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Thank you for stopping by at the Aswani Properties website. The names you see here are some of the banks and financial institutions who have approved our projects for home loans. If you want to know more, we can assign a dedicated customer support executive to understand what you have in mind, and how we can assist you.

For more information please call us on :
+91 7676 60 9999.

Home Loans

Now you can get 80 to 90% on home loans!

When you're looking for a home loan, you need information on how much your bank can sanction. And that depends on eligibility, and the completeness of your loan application.

Our advice to you is work towards the maximum limits possible, which ranges from 80 to 90 percent. And this is not impossible to achieve - our customer support executives will be happy to discuss the options available and help you choose the right bank for your need.

Here are some guidelines to keep in mind - because your credit profile goes a long way in defining the loan amount sanctioned to you.

  • Have a good credit history – pay all your EMI's without delays, pay your insurance premium on time, and do not default on credit card payments.
  • If possible, minimize your dependence on credit cards – from the bank's point of view, your credit card outstandings must not exceed 60% of your take-home salary per month.
  • Also minimize high outflows every month on personal loans, vehicle loans and loans for white goods.
  • Keep your transaction history and financial status clean for at least 3 years – two years at the minimum.
  • Avoid job hopping frequently - it helps to be in the same organization for at least two years. Banks are uncomfortable if you make a job switch every year.
  • Analyze your salary slip - benefits and allowances may add up to a higher take-home, but they are not usually considered as part of income by the bank.
  • When you pay higher taxes you're eligible for higher loan amounts – and this can better your prospects on home loan eligibility.
  • If your spouse is a working professional, bring him/her as a co-borrower. Very useful because women get the benefit of a marginally lower interest rate, or a waiver in processing fees.
  • When you apply for a home loan jointly with your spouse, his/her credit rating can also work to your advantage.
  • Information on fixed deposits, share investments, and other bankable assets such as jewellery, can be additional information that a bank can take into account.
  • Life and medical insurance covers add points to your final tally - it tells the bank you are a responsible customer, and have planned for the future.

If you need more information in these areas, or assistance in the loan application process, please call us at the number given below, or write to us at: info@aswaniproperties.com.

"For me the probability of getting the right kind of home loan from a reputed financial institution is of prime importance. It can help me make up my mind about a new apartment, or delay the process. It's all about loans that fit into our budget."

Pradeep Belliappa – works for a coffee shop

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