How to maximise home loan amount

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Published on: May 30, 2021
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കൂടുതല്‍ ഭവനവായ്പ വേണോ

ഭവന വായ്പയെടുക്കുമ്പോള്‍ കൂടുതല്‍ പണം ലഭിക്കാന്‍

വീടുവെക്കാന്‍ മിക്ക ആളുകളും ഭവന വായ്പയെ ആശ്രയിക്കുന്ന കാലഘട്ടമാണിത്.വായ്പ എടുക്കാൻ തീരുമാനിച്ചുകഴിഞ്ഞാൽ ഒട്ടേറെ കാര്യങ്ങൾ കണക്കിലെടുക്കണം.നിങ്ങൾക്ക് എത്ര തുക വായ്പ ലഭിക്കാൻ യോഗ്യതയുണ്ട് എന്നതുതന്നെയാണ് ഏറ്റവും പ്രധാനം. നിലവിലെ വരുമാനം, തിരിച്ചടവു ശേഷി എന്നിവയുടെ അടിസ്ഥാനത്തിലാണ് പരമാവധി എത്ര തുക ലഭിക്കുമെന്ന് തീരുമാനിക്കുക. വായ്പയുടെ വലിപ്പം, തിരിച്ചടവ് കാലാവധി, പലിശ നിരക്ക് എന്നിവയുടെ കൂടി അടിസ്ഥാനമാക്കിയാണ് ഇത് നിശ്ചയിക്കുക.
പ്രതിമാസ ശമ്പളത്തിന്റെ 60 ശതമാനത്തില്‍ കൂടാതെയുള്ള ഇ എം ഐ ആണ് മിക്ക ബാങ്കുകളും നിര്‍ദ്ദേശിക്കുക.സ്വന്തം ശമ്പളത്തിന്റെ അടിസ്ഥാനത്തിൽ വേണ്ടത്ര വായ്പ ലഭിക്കില്ലെന്ന് ഉറപ്പാണെങ്കിൽ ജീവതപങ്കാളിയെ കൂടി ചേർത്ത് സംയുക്തമായി വായ്പയ്ക്ക് അപേക്ഷിക്കുക.നിലവിൽ മറ്റു വായ്പകളെന്തെങ്കിലുമുണ്ടെങ്കിൽ അത് അടച്ചുതീർത്ത ശേഷം ഭവനവായ്പയ്ക്ക് അപേക്ഷിക്കുക. അതോടെ, കൂടുതൽ തുക ലഭിക്കാൻ അവസരമുണ്ടാകും.വായ്പാ കാലാവധി കൂട്ടുന്നതും കൂടുതല്‍ തുക ലഭ്യമാക്കാന്‍ സഹായിക്കും.കൂടാതെ ബാങ്കിലെ ക്രെഡിറ്റ്‌ സ്കോര്‍ മികച്ചതാണെങ്കില്‍ കൂടുതല്‍ വായ്പ ലഭിക്കാനുള്ള അര്‍ഹതയുണ്ട് Subscribe to News60 :https://goo.gl/VnRyuF Read: http://www.news60.in/ https://www.facebook.com/news60ml/

How to maximise home loan amount

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