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Loan Faqs
Faq

What is the interest benefit that I get on the Educational Loan? :

Banks offer lower interest rates if you start repayment during the moratorium period. If you have opted for a floating rate loan, you cannot switch to a fixed rate option mid-course. However, you can transfer your loan from one bank to another, if you find a more attractive offer. Normally, one...
Faq

Is there a prepayment penalty? :

Depending on the bank offering an educational loan, there is a prepayment penalty of 5% on the outstanding principal amount. There are some banks which do not have a prepayment penalty.
Faq

Can I get another loan for further education? :

Second time Education Loan can be sanctioned to the same student borrower for completion of next higher course at the discretion of the Bank. A student who has taken the loan for a Bachelors degree can apply for another loan for the completion of Master's degree.
Faq

Does the co-applicant's source of income get included when banks calculate my eligibility? :

Yes, but most banks allow only immediate relatives to co-own a property. This means that only a parents-son combination and a husband-wife combination are allowed. The reason for this restriction is that if some dispute arises between the joint borrowers, their incomes might not be pooled any...
Faq

Can I get a home loan for purchasing a home overseas? :

No, currently no financial institution provides loan for purchasing a house abroad.
Faq

Can I get a loan for purchasing a land? :

Yes, you can get loan for purchasing land as far as it is only for residential purposes only. Some banks offer up to 85% of the purchase amount based on your credit profile and paying capacity.
Faq

Can I avail of a home loan in India if I am an NRI (Non Resident Indian)? :

Yes, various banks offer home loan to Non Resident Indians for buying a property in India.
Faq

What is a "pre-approved propertyâ :

Some real estate builders get their housing projects "pre-approved" by specific home loan lenders. These lenders examine the legal documents of the title of that project, the stage of construction as well as the builder's track record to complete the project in time. It then declares...
Faq

What is a fixed rate home loan? :

In a fixed rate home loan the interest rate on home loans charged by the bank is constant over the tenure of the loan. You should go for a fixed rate only if you feel that the rate of interest prevailing in the market have touched rock bottom and the rates can only move upwards
Faq

What is a floating rate home loan? :

In a floating rate home loan the home loan interest rate charged by the lender keeps changing with respect to the rates in the market over the tenure of the loan. Normally the rate charged is on the basis of their cost of funds and the prevailing market rates. These rates change periodically....
Faq

Can a fixed rate loan be converted to a floating rate loan and vice versa? :

Yes, you can convert floating rate home loan into a fixed rate one with no extra charges. However, banks charge a small fee for converting a fixed rate product to a variable rate product. The swap can be done any number of times and at any point of time.



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