Home Loans

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Swastik Financial Services in  Hyderabad is offering to Home Loans, Housing Loans and Housing Finance Services in Secunderabad Hyderabad Telangana and in Amaravati, Guntur, Vijayawada, Vizag, Visakhapatnam Andhra Pradesh, India.Swastik loans is a part of Swastik Financial Services Hyderabad. On This Eath owning a home is every person’s dream. Many of them feel soon after settling in their life to have their own home. One will have a special satisfaction staying in the own home.Everyone can afford an own home with Swastik Loans in Hyderabad and all over India.Banks and NBFS will give special offers  Festival Loans in Hyderabad and all over India for Software Professionals, Public, nd Private sector Employees and for Self-employed Business Professionals.

Don’t worry, Swastik Financial Services will help you in finding an ideal home that fits your budget and also help in arranging loans to Buy Independent Houses, Apartment-Flats for 2BHK 3BHKand duplex and Triplex Houses from NBFS(Non-Banking Financial Services)and from Public and Private Sector banks. Our team of experts in Swastik Financial Services will guide you throughout the entire process of buying of your dream house. Loans for self-construction of house, Balance Transfer of Loans from other Banks

We will Provide Cheap and Best Low rate of Intrest home loan schemes in Hyderabad and all over India from SBI, SBH, Andhra Bank, ICICI Bank, Axis Bank, Hdfc Bank, Kotak Mahendra Bank, PNB Housing Finance rate of Interest will differ from one bank to another bank RBI will guide how to fix the rate of interest to all banks and NBFS Institutions .However, differences in features are plenty. The rate of interest, fees, flexibility in the quantum of loan to be financed, repayment and prepayment options, foreclosure charges, conditions of co-applicants or even the service standards ensure that every offering from a bank or a financial institution is unique.

Swastik Loans team and subject matter experts will provide you Free Credit Report and CIBIL Score analysis intake you through each offering in detail, enabling you to choose the option that best suits your requirements.

We assist you at each & every step, from identifying a property to buying it, from developing to upgrading it because Financial Services has tied up will banks NBFCs and Financial Institutions in Hyderabad and all over India.

Home Loan – Housing Loans -Housing Finance Services From  all major banks and NBFCs in Hyderabad India

Whether you want to buy a new home or a property, you will need to choose the home loan that’s right for you. Let Swastik Financial Services help you save time, strain and cash with our easy-to-access home loan options. Choose from the Home Loan and a Home Equity Loan or just compare your loan to ensure you’ve got the best deal possible. Swastikloans.com can guide you through the process of making the largest purchase of your life with complete self-confidence.

Perfect Home in Budget:-

Swastik Loans will help the Borrowers to get a Home loan Plot Loans with low Bad poor credit score.The first thing you’ll always do while buying a house/property is to think on your budget. You will then think on the size of the house and family size fitness and where. Generally flats/plots are sold on the basis of built up area. Area is generally measured in terms of Square Foot or Square Feet.

Documents required:-

Every loan provider will surely ask you these and yes these are required to get your loan approved. Without these your loan will not be processed

  • Age Proof
  • Address Proof
  • Income Proof of the applicant & co-applicant
  • Last 6 months bank A/C statement
  • Passport size photograph of the applicant & co-applicant

Salaried person:-

  • Employment certificate from the employer,
  • Copies of pay slips for last few months and TDS certificate
  • Latest Form 16 issued by employer Bank statements

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Self-employed person:-

  • Copy of audited financial statements for the last 2 years
  • Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company
  • Profit and loss account for the last few years
  • Income tax assessment order

Home Loan Process & various steps involved

There are different steps involved in getting a Home loan. After choosing your property and filling up the loan application, following are the various steps getting Home Loan:

The first step involved in the process is to find your property which is followed by the verification of property documents, post that the documents are examined & simultaneously you can start searching for the lender who can offer the BEST Home Loan Deal after checking your eligibility criteria.

Know the Home Loan Eligibility: Swastik Financial Services will check your CIBIL Score and documents background verification and Borrowers file is sent to Concerned Bank are NBFCs.Borrowers Credit Score will play an important role to get a loan from Nationalised Banks are from Private sector Bank are Non-Banking Financial Services and then They offer the loan amount only after checking your profile & based on various eligibility criteria’s like age, income & salary banks lend you the money. CIBIL Credit Score will decide how much Loan EMI you have to pay.

Select the Best Home Loan after evaluation: Swastik Financial Services team will help in Comparing home loan interest rates is the primary feature in the home loan selection, however other fees & charges like Application fees, processing fees, legal charges should not be neglected when comparing various loan offers. To check the interest rates & other charges incurred by various banks, Swastik Loans has brought in a Home Loan Comparison Chart across various Banks.

Applying for the Loan: Borrower Will select lending Banker or NBFCs, And Borrower has to fill in the application form wherein the lending Banker requires complete information about your financial assets & liabilities; other personal & professional details together with the property details & its costs.

Documentation & Verification Process: Borrower has to submit required necessary documents to the bank which will be verified together with the details in the application.

Credit & default check:  Swastik Financial Services & Bank checks out the borrower’s loan eligibility (through repayment capacity) & the amount of loan is confirmed. The borrower’s repayment capacity is reached which is based on the income, salary, age, experience & nature of business etc. Bank also checks credit history through the CIBIL Score which plays a crucial role in deciding & approving your loan application. Low Credit Score implies that the bank upfront rejects your application on the basis of earlier credit defaults; on the other hand, high credit score gives a green signal to your application.

Bank sanctions Loan & Offer letter to the borrower: After the credit appraisal of the borrower bank decides the final amount & sanctions the loan, the bank further sends an offer letter to the borrower which constitutes the details like rate of interest, loan tenure & repayment options etc.

The borrower needs to send an acceptance copy to the bank after the borrower agrees to the terms & conditions in the offer letter.

Bank checks the legal documents: The bank further asks the legal documents of property from the borrower to check its authenticity so as to keep them as a security for the loan amount given. The next step involved is the valuation of the property by the bank which determines the loan amount sanctioned by the bank

Signing of agreement & the loan disbursal: Swastik will help The borrower to sign the loan agreement & the bank disburses the loan amount.

SWASTIK FINANCIAL SERVICES believes in providing continuous support to our customers also to clients. Our efforts will be completely provided to manage the loans effectively with the process and service which we provide. Every Indian has a dream of buying a property are taking personal loans ,car loans with our help and procedure we would be able to provide the more cost effective plans.