ఇంటి కొనుగోలుకై లోన్ తీసుకుంటున్నారా..ఇవి తప్పక తెలుసుకోండి

ప్రతీ ఒక్కరూ సొంతిల్లు కొనుగోలు చేయాలని భావిస్తారు, దీనికి గృహ రుణం చక్కని మార్గమని చెప్పవచ్చు

[{"selector":"#anim-3e903990-e91d-4cde-8f6b-903ee7bcf8e9","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b75374ed-a5f4-47cd-b799-b8400eaf9eef","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8feb94f6-d1be-4162-83b2-91769cc4c6d5","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6f5c03f3-f707-4baa-b699-34d3f9b3f4f3","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

అయితే లోన్ తీసుకునే విషయంలో కొన్ని విషయాలను పాటించడం ద్వారా మీరు తక్కువ వడ్డీకే లోన్ పొందవచ్చు

[{"selector":"#anim-b133b2b4-a24e-4cfa-9e47-4d39eb56deba","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-efa41467-1422-4d9d-9e78-6fd35c72fed4","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b9f196c-ab72-4345-a193-630615a09846","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-901d0c04-635b-4930-a52c-ae24672c6288","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

రుణ గ్రహీత సిబిల్‌ స్కోర్‌, ఆదాయం, వేతనం, రుణ చరిత్ర వంటి అంశాలు హోమ్‌ లోన్‌ విషయంలో కీలకంగా ఉంటాయి

[{"selector":"#anim-444c9a2d-705d-4da4-a83c-be4d65e8cfeb","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a3867a5-be58-4ebb-a25f-6c38cc2af5fe","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed032ae8-609a-4ef9-a882-8273d45bde0d","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1f96651-4dd9-4a34-8df2-9b4a105dbc0d","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

సిబిల్‌ స్కోర్‌ ఆధారంగా రుణాలపై వడ్డీరేట్లు ఉంటాయి, స్కోర్‌ ఎక్కువగా ఉంటే తక్కువ వడ్డీరేటుకే లోన్‌ పొందవచ్చు

[{"selector":"#anim-01a9773d-9d10-4167-8842-1db3b127cd48","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f63d39b3-33aa-4225-aed8-292861ab4fcf","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4f56ed0d-bd46-458a-96e8-bfd075b6f9ad","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59839242-091c-4942-938e-db4274ab42ee","keyframes":{"transform":["translate3d(-115.92356%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

మనకు తెలియని చార్జీలు (హిడెన్‌ చార్జెస్‌) ఉంటాయి. కాబట్టి గృహ రుణం విషయంలో తొందరపాటు ఉండొద్దు

[{"selector":"#anim-4bab1c2b-8f25-4819-8f44-9a6e83992407","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c2910c2-171a-4bac-aa9f-635c3ff3e6c3","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81e6ce03-25a8-4476-810c-12f3500ea89e","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3422bee0-f3ba-4117-ab0b-f3d47ab9259b","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

రుణం తీసుకున్న తర్వాత క్రమం తప్పకుండా వాయిదాలు చెల్లించాలి

[{"selector":"#anim-52f31b36-e92a-44f7-9365-b75b1a950b4c","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-113c8a34-3e9b-4d73-8f10-4e754f509482","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9f8a492-b6da-42f5-a4b5-d3cfbc66b426","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0d6e0585-ddd2-4bf9-8c4f-e4aafaba3009","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

3 నెలలకు మించి రుణ గ్రహీత వాయిదాలు చెల్లించనట్టెతే సర్ఫేసీ చట్టం ప్రకారం కోర్టులతో పనిలేకుండా బ్యాంకులు చర్యలు తీసుకుంటాయి

[{"selector":"#anim-fee5dd50-eb0d-40e0-bf5b-dbbb8b5a684f","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-53cfb666-3e7d-44f6-86b6-dba37f26f754","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a00ce527-2b09-47da-82a7-a4460d8ffd2a","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78645962-990d-45c3-81a6-719c5efe51a6","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

మీ ఆర్థిక పరిస్థితి బాగా లేకుంటే మీరు రుణం తీసుకున్న సంస్థకు ఆ విషయాన్ని ముందే తెలియజేయాలి

[{"selector":"#anim-f05b483b-f197-470b-af89-def5505196e4","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-454a2b92-009d-4f27-b071-9b1189837438","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d238e266-adec-4530-a483-da0566202ca9","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b0fb7f4e-a128-4058-803c-ec01cfa5c60f","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

దీనివల్ల మీకు కొంత వెసులుబాటు దక్కే అవకాశం ఉంటుంది

[{"selector":"#anim-e9c0fbf6-8f2d-4939-9112-dbc8e8ed1481","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c6585351-7fbd-4346-900d-c64b1f1607d5","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-911603e1-5553-499e-b2fb-e27ba01e610e","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70491c55-9ad2-4ef1-a156-9ece587d2668","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

కో ఓనర్‌గా మహిళలుంటే ప్రధాన మంత్రి ఆవాస్‌ యోజన ద్వారా వడ్డీ రాయితీ, ఇతరత్రా సబ్సిడీలు పొందవచ్చు

[{"selector":"#anim-ba554d3f-b510-4d51-9246-531a40fdb022","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f4ec4b4-092b-4949-be49-24564130305b","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fdec233f-34e5-4308-91ae-ea76dfddc270","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c5f8242-74b7-4758-98e5-4a211eb3f674","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

ప్రాపర్టీకి సంబంధించి అన్నీ లీగల్‌గా ఉండేలా చూసుకోవడం మంచిది

[{"selector":"#anim-da94d643-eea7-4f48-b6c8-2739171b6b96","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3f7085c4-b084-47fb-8eab-ce312d0aad69","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-defd8d4e-0eeb-46a0-b784-b33c32530015","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2b5d74e2-69f6-460a-8867-ca7e0d977a25","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

ఎన్‌వోసీలు, ట్యాక్స్‌ క్లియరెన్సులు తప్పనిసరి. గ్యారంటీయర్‌ కూడా అవసరం

[{"selector":"#anim-dbabe1fd-1d2b-4cf7-ba2e-8a810d80da05","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7905fc08-09af-4dc6-85a7-51ee76b9ea9f","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-108106c7-ad9e-44d1-b344-ac141699e4b8","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c71b9eda-b498-4036-8955-c62d9533c37f","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

లోన్‌ ఇన్సూరెన్స్‌ ఎంతో ముఖ్యం. మీ రుణదాతతో ఈ విషయంపై ఆరా తీసి వివరాలు తెలుసుకోవాలి

[{"selector":"#anim-4103d5f2-6586-4c5f-8d22-f1a26ba8d499","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-69ab759d-8baa-4b46-a030-81b1b58e8ea4","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8ae71a64-57c9-46f1-9c25-839bea70dcdc","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f21aca2-655c-4a96-8ea5-2ddf2a0f7e79","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

ఐటీ చట్టం 1961 సెక్షన్‌ 80సీ, 24(బీ), 80ఈఈఏ కింద గృహ రుణం అసలు, వడ్డీ చెల్లింపులపై రుణ గ్రహీతలు పన్ను మినహాయింపులు పొందవచ్చు

[{"selector":"#anim-b66e56c0-5b23-4f89-b558-c3ca86c78c24","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-595f803f-8f0e-4d7c-a95a-4362539459f1","keyframes":{"transform":["translate3d(0px, 86.90134%, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7fd124cf-6719-4e67-b53b-3feb46af51b7","keyframes":{"opacity":[0,1]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-51fc5013-ecf3-4940-9d7e-f339665d7c3f","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]