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

[ronitreddy]

thanks man, exactly naku ide doubt unde nuvvu cheppesav answer.  enno months/yrs minimum untadanukunta pay off cheyadaniki, dani kante early ga pay off chesthe penalty untadanukunta.  

U nailed it man

[ceelogreen]

 

nee mokam addam lo chuskunnava

yeprasi DKC ID

Yeprasi gola

 

 

VGP :giggle:

deeni eshalooo

 

[sanbk]

gp

[twitteshbabu]

awesome post man...nice pin this thread plz

[Enjoy99]

ide trap ..

Ala ani manam ankuntam..Kani daniki konni set of rules untayi like you are not supposed to pay more than Rs X/month ala untadi..And loan open chesaka 6 months varaku loan undali..Nen pay chesestha ante oppukoru..

And early ga pay off chesestha ante..you have to bear the extra charges..Oksari kanuko..Nen ila pay off cheddam ankuntuna..Vallu em cheptharo vinu..Urke vallu loan ichi nu 1-2 years lo pay chesthe bank ki loss kada..so avanni alochistharu vallu..Banks nadichede interest pi oche money tho..So matladu vallatho clear ga..

One month ekkuva thakkuva/ekkuva enti..Say for suppose nee EMI 40K/month anuko.. 30K ela pay chesthav..Ekkuva like 50K pay cheyochu..Min aithe 40k pay cheyali kada..okavela neku loan 30 years approve ayyi..Nu 5 yrs ke stick aithe significant ga EMI peruguthundi..Inka ekkuva pay cheyalsi osthundi....Bank vallani adgu..cheptharu

nuvvu too much vayya ... anni negative ga matladathav.. :giggle:

atleast when I paid off. there was not a single rule u told above

you can pay off how much ever you want.
I paid off in 8 months..

no one can stop you from paying bulk amounts.. yes there is fine if you are paying much earlier .. it is JUST 25 k rupees.. which is absolutely justified thats it..




I dont know about kufli banks but all big banks allow any number of payments.. whenever you have money..
http://profit.ndtv.com/news/your-money/article-how-to-pay-off-your-home-loan-faster-680354

3. Make partial payments whenever possible
Most large banks allow their home loan customers to make N-number of partial payments in a year

[buffaloboy]

 

idi choodu if it helps

[Enjoy99]

ide trap ..

Ala ani manam ankuntam..Kani daniki konni set of rules untayi like you are not supposed to pay more than Rs X/month ala untadi..And loan open chesaka 6 months varaku loan undali..Nen pay chesestha ante oppukoru..

And early ga pay off chesestha ante..you have to bear the extra charges..Oksari kanuko..Nen ila pay off cheddam ankuntuna..Vallu em cheptharo vinu..Urke vallu loan ichi nu 1-2 years lo pay chesthe bank ki loss kada..so avanni alochistharu vallu..Banks nadichede interest pi oche money tho..So matladu vallatho clear ga..

One month ekkuva thakkuva/ekkuva enti..Say for suppose nee EMI 40K/month anuko.. 30K ela pay chesthav..Ekkuva like 50K pay cheyochu..Min aithe 40k pay cheyali kada..okavela neku loan 30 years approve ayyi..Nu 5 yrs ke stick aithe significant ga EMI peruguthundi..Inka ekkuva pay cheyalsi osthundi....Bank vallani adgu..cheptharu

trap enti trap .. ninnu nammi nee pakkinti vaade laksha rupaayalu ivvadu

nee mokam chudakunda.. evado mukku mokam theliyani Lawyer gadu neeku 13000 km avathala attestation chesi isthe adhi genuine ani nammi nee chethilo 40 -50 lakhs petti vadu risk lo untadu .. manam vadini trap cheyakapothe chalu..

the only bank I dont trust is IcIcI .. I would never go with private firms..

[BReBeL]

Super informative post ...thanks @enjoy mama

[Enjoy99]

Super informative post ...thanks @enjoy mama

I was about to PM u

How far have you come in your process ??

[BhaiJaan]

GP

[Enjoy99]

alage evaranna mee experience with bank loans gurinchi ikkada post eyandi, which bank loan is giving better service and lower interest rates and customer care service bagundali NRI laku.

Customer care antha avasaram undadhu

U can directly talk with the agent who got u loan

[siritptpras]

Ok

[ronitreddy]

nuvvu too much vayya ... anni negative ga matladathav.. @3$%

atleast when I paid off. there was not a single rule u told above

you can pay off how much ever you want.
I paid off in 8 months..

no one can stop you from paying bulk amounts.. yes there is fine if you are paying much earlier .. it is JUST 25 k rupees.. which is absolutely justified thats it..




I dont know about kufli banks but all big banks allow any number of payments.. whenever you have money..
http://profit.ndtv.com/news/your-money/article-how-to-pay-off-your-home-loan-faster-680354

3. Make partial payments whenever possible
Most large banks allow their home loan customers to make N-number of partial payments in a year

Anduke post motham sadavali anedi..6 months ani clear ga mention chesa..Nu chesindi after 6 months..diff undi kada

 

Aina deentlo negative endi..Jagrathaga undamani cheppadam kuda negative ee na..

 

Ee madya prathi okadiki fashion ayindi..negative negative ani..

 

Bank vallu tarwatha penalty veyyakunda munde kanukko anna ani cheppadam thappu antavaaa..

 

FYI..Na auto loan ki 6 months mundu pay cheyoddu ani clear ga chepparu..Ne case lo okati correct aithe anni cases lo correct etta avthadi..

 

Nen bi google chesi oka source patukoni vestha..adi pedda vishayam kaadu..Bold bi chestha pedda font laaa..

 

13. Can you repay your loan ahead of schedule? Is pre-payment of loan allowed?

Yes, most banks allow you to repay the loan ahead of schedule by making lump sum payments. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding. 

 

Check With The Bank. If you want to pay off the balance loan amount before the specified term, then you need to check before hand if the bank applies a charge for it or not. Even if you wish to move an existing loan into a debt consolidation loan, you still have to pay a prepayment penalty.

 

Source: http://www.wikihow.com/Avoid-Prepayment-Penalties-on-a-Home-Loan-(India)

[ronitreddy]

trap enti trap .. ninnu nammi nee pakkinti vaade laksha rupaayalu ivvadu

nee mokam chudakunda.. evado mukku mokam theliyani Lawyer gadu neeku 13000 km avathala attestation chesi isthe adhi genuine ani nammi nee chethilo 40 -50 lakhs petti vadu risk lo untadu .. manam vadini trap cheyakapothe chalu..

the only bank I dont trust is IcIcI .. I would never go with private firms..

Asalu em matladthunavo nekina ardam avthunda..

 

Nen cheppina context enti..Nu cheppedi enti..

Bank la gurinchi India la system la gurinchi naku cheppaku sarenaa..Nu eeda undi INDIA lo agent thru loan apply chesinavemo...Nen INDIA lo in person velli nana sankalu naaki, prathi doc ichi ..pichodila thirigithe kani loan approve avvaledu..Dani mida okasari post kuda vesina..time unte ethukooo..

 

Bank odu em urke isthaledu..Facts telsukovali bredar post esemundu...Endi mukku moham chudakunda bank vadu neku loan isthada?? Elagelagaa..Ee bank oo pali cheppu..Nen oka loan apply cheskunta..Ne yavva prathi okadu cheppetode..bank odu ne daggarnunchi anni docs tiskuntadu..collateral unte adi bi tiskuntadu..verification ki intiki ochi ..janaba lekkala survey level lo mee intlo evaruntaru..ee flat eppudu tiskunnaru, entha worth untundi..mee current bill kavali..3 months back di isthe..ledu naku recent di kavali,,photos kavali..meeru em chestharu..mee family lo enthamandi..vallu em chestharu..ivanni raasukoni poyi verify chesi kani loan approve cheyaledu..Nu maaku chepthunav igaaa..

 

Maa consultancy HR ki employment confirmation of Mr XXX working with XXX company ani email pettadu bank vaadu.. Maa HR ni pattukoni arey babu neku Bank odu daggarnunchi email osthadi..Na details anni ivvu ani cheppina..verification ki call chesindu na mundu..Na consultancy ID kavali annadu...Google lo na mundu ma employer mida investigate chesthandu..Ippativaraku naku na consultancy ID ee thelidu? Employment contract copy kavali anta..appudeppudo 2011 lo IT returns, pay stubs, offer letter kavali anta..Vaadi shardham, vaadi pindakoodu em kadu..

 

Ippudu Nu antav bank odu em thelvakunda isthadu ani..Mundu ground reality telsuko man..Edo US nundu apply chesama..Agent anni chuskunnadu..8 months lo loan clear chesama..pani aypoyinda kaadu..

 

Bank ante neku pourusham enduku osthandi..Oh meeru bank vallu chala close aa??

 

Personal grudge unte direct ga seppu..anthe kani itta seyyamaku..

 

FYI..Nannu nammi laksha kaadu Koti rupayalu iche vallu unnaru..

[vasu123]

Hyderabad lo best loans iche banks and builders info evarina cheppandi