*** Illu/flat Konali Anukuntunnara.... Housing Loan Process Is Here***

[Laffut]

GP baa

[phatposts]

Extremely Good post. 

I never knew about the loan amortization sheet in excel. That is an eye opener for me.

 

Nenu kooda LIC housing lo ne loan teesukunnanu and recent gaa refinance kooda chesanu personal needs undi.

I agree with everything the OP has said.

 

I don't know about everyone, but some banks are performing a credit check and some do not. 

Recently my friends applied for loans through Axis and ICICI. Both of those banks performed a credit check by themselves and asked them many questions on every card's balance, car loan etc.

That was not the case with LIC for me 0 during the original loan and refinance as well.

 

Cheers!

[chandra916]

which bank ?

housing loan ee bank ayina okate

[phatposts]

bro....do you know...how LIC calculates...how much they can give you....i.e. according to your salary??..

Rough gaa 2 - 2.5 times your Gross annual income.

Naaku agent cheppina calculation (not sure how far it is true):

(Net salary - Living Expenses) * 40 or 50

 

Living Expenses = Car, Rent, Every month existing liabilities main

 

Some banks have an index to calculate living expenses. Their index includes only rent, food and other sustainable costs. Based on the loans you have they will add that to the index factor.

 

Inka evarikaina apt calculation teliste cheppandi.

[Enjoy99]

housing loan ee bank ayina okate

 

not true.. ladies ki 0.25 % difference ledhu compared to men .. 0.25% is huge..that is as good as clearing the loan 30 months in advance.

 

I spoke to a SBI branch manager only the other day and he has sent me their latest pamphlet..

 

the difference is only 0.05 % thats it.. and you know SBI is the Indias largest bank .. 

 

 

 

LIC ICICI... valla vi emanna ilanti advert or valla website lo emanna info let me konw pls.. e topics baga interest naku

[ronitreddy]

not true.. ladies ki 0.25 % difference ledhu compared to men ..

 

I spoke to a SBI branch manager only the other day and he has sent me their latest pamphlet..

 

the difference is only 0.05 % thats it.. and you know SBI is the Indias largest bank .. 

 

ee discrimination endi man

[Enjoy99]

GP baa

 

 

Extremely Good post. 

I never knew about the loan amortization sheet in excel. That is an eye opener for me.

 

Nenu kooda LIC housing lo ne loan teesukunnanu and recent gaa refinance kooda chesanu personal needs undi.

I agree with everything the OP has said.

 

I don't know about everyone, but some banks are performing a credit check and some do not. 

Recently my friends applied for loans through Axis and ICICI. Both of those banks performed a credit check by themselves and asked them many questions on every card's balance, car loan etc.

That was not the case with LIC for me 0 during the original loan and refinance as well.

 

Cheers!

 

 

Enjoy99 Thank you, Gr8 job !!!

 

 

Vvvvvgp innalaki DB lo oka informative post padindhi.

 

 

Thanks guys.. 

[Enjoy99]

ee discrimination endi man

women empowerment :giggle:

 

[Enjoy99]

ee discrimination endi man

 & did you see.. men kuda kadhu OTHERS anta.. 

 

hijaras ni kuda mana men lekkalo esaru emo :giggle:

[ronitreddy]

 & did you see.. men kuda kadhu OTHERS anta.. 

 

hijaras ni kuda mana men lekkalo esaru emo @3$%

Ori nayanooo..endi vaa idi..

 

Intha kastam ochindi enti purush ki..Khandisthunnam man

[chandra916]

not true.. ladies ki 0.25 % difference ledhu compared to men .. 0.25% is huge..that is as good as clearing the loan 30 months in advance.

I spoke to a SBI branch manager only the other day and he has sent me their latest pamphlet..

the difference is only 0.05 % thats it.. and you know SBI is the Indias largest bank ..




LIC ICICI... valla vi emanna ilanti advert or valla website lo emanna info let me konw pls.. e topics baga interest naku

last month I have seen in one of the hdfc bank branch...may be nenu wrong Ga chusi vunta emo.....

[DaleSteyn1]

Cousin okadu flat konnadu builder meedha confidence tho

70 lakhs investment chesadu at the time of foundation

He dared when no one could

Construction took 2/and half years as it is a huge project

It is now worth 1 CR

It will easily go up to a CR and half

Photos post chestha when in front of comp

Ekkado spain or California lo la unnai ..

I dont think it s a great investment .ok ok investment reason chebthanu .70 lakhs at the time of foundation ippdiki 30 months ayndhi.30 months 70 lakhs ki vaddi bokka iimagine fd eskunnav anuko bank lo 8%(vesko dharam vaddi lacha ki 800rs anuko) ante mee vaadu nearly 7lakhs per yr miss ayyad vaddee.so 2.5 yrs ki it rounds up to 18 lakhs approx .70+88=88 lakhs and ippudu property value 1c antunav so not a great investment.

 

Next ilanti builders deggara konte 70 lakhs sale deed choopisthe tax kattali 70 lakhs ki.adhe general builders em chestharu amte 70 lakhs property ni 50 ki manaki register cheyisthar so that manaki 20 lakhs meedha tax save avthundhi.Mee cousin konna apt bagundhi but these kind of apts have their own disadvantages.Monthly maintenance 4k easy ga untadhi or else 7 lakhs ala one time maintenance kattinchukuntaru.

 

for suppose idhe flat ready ga unnadhi 70 ki koni unte very good investments avg meedha monthly 16k rent vesukunna 5 lakhs rent and property appreciation vachedhi 

This is my opinion reason being i recently bought a flat in hyd so this is sheerly out of my experience.

[ronitreddy]

I dont think it s a great investment .ok ok investment reason chebthanu .70 lakhs at the time of foundation ippdiki 30 months ayndhi.30 months 70 lakhs ki vaddi bokka iimagine fd eskunnav anuko bank lo 8%(vesko dharam vaddi lacha ki 800rs anuko) ante mee vaadu nearly 7lakhs per yr miss ayyad vaddee.so 2.5 yrs ki it rounds up to 18 lakhs approx .70+88=88 lakhs and ippudu property value 1c antunav so not a great investment.

 

Next ilanti builders deggara konte 70 lakhs sale deed choopisthe tax kattali 70 lakhs ki.adhe general builders em chestharu amte 70 lakhs property ni 50 ki manaki register cheyisthar so that manaki 20 lakhs meedha tax save avthundhi.Mee cousin konna apt bagundhi but these kind of apts have their own disadvantages.Monthly maintenance 4k easy ga untadhi or else 7 lakhs ala one time maintenance kattinchukuntaru.

 

for suppose idhe flat ready ga unnadhi 70 ki koni unte very good investments avg meedha monthly 16k rent vesukunna 5 lakhs rent and property appreciation vachedhi 

This is my opinion reason being i recently bought a flat in hyd so this is sheerly out of my experience.

real estate ante baniyan chimpukoni mari osthavu kada vuncle

[indra_babu]

evarina LIC loan tesukunnara? i have LIC housing loan but i am not able to pay extra amt online. is it possible to pay the amt online? like pre-payment?

[@Shadow@]

how are you guys managing actually??

 

like if for a property of 60L, lets say even if 10L given as down payment, 5L for registration and processing stuff

one have to take a loan of ~ 50L

 

with a 9.5% interest ... it will be easily around 40k monthly

monthly 40k just interest kattukuntooo pothey, asalu yeppudu theerenuu??

 

vammooo  half of the property value interest ke kattelaa vundhi kadha....