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Buying your dream home in today鈥檚 times is surely not easy. The ever increasing price of real estate is a matter of worry to everyone who is planning to buy their dream home. If you are too bothered by such high rates , then you need not worry. There is always an option to get a home loan for buying the house of your dreams. However, to get a home loan you need to be eligible first. Here is a brief of home loan eligibility criteria in India to give you a fair idea. However, you can also take help of online home loan eligibility check to get better insights.
Firstly , to be eligible to get a home loan it is important that you are at least one of the following segments:
Professional
Self employed
Salaried
Hopefully this makes it clear enough that you need to have a regular income source to meet eligibility criteria for a home loan. This is because the bank expects your loan to be repaid on time and a person with regular income is expected to do so with ease. In simpler terms, the risks involved in lending funds to an earning person are much less as to that of someone with unsteady income base.
Let us discuss these categories in details:
Salaried Individual
If you fall under this category, you have to be a permanent employee of a private or public firm. If you are working with a private firm , it is important that the company is a reputed one. You will have to provide proof of income in the form of bank account statements, salary slips etc. if you don鈥檛 fall under this category but your spouse does, you can take the loan under hisher name.
Professional
a professional is a person who is a doctor , engineer, architect, accountant , dentist, consultant. If you fall under this category and can show steady income proof, you are eligible to get a home loan.
Self employed
Self-employed is a person running their own business. If you have your own business or have any other source of income you can apply for home loan but it is also vital that you are regularly filling your income tac returns.
Besides the categories , here are some factors that affect your home loan eligibility:
income
how much you are earning per month decides the amount of loan you are eligible for.
Age
The home loan applicant must be at least 24 years of age at the beginning of loan and not more than 60 years at the end of loan. The age can be extended up to 65 years in case of self-employed people and professionals.
Interest rates
The eligibility for your home loan is often inversely proportional to the interest rate you are paying. If the interest rate is low, your eligibility will be higher.
Loan tenure
The longer is the tenure of your loan, greater will be the amount you are eligible for.
Existing loans
Most Indian banks try to keep the ratio of EMI to income somewhere between 50 to 60 percent. So , in case you have some existing loans going on, the eligibility amount will be reduced in order to maintain the said ratio.
Credit history
Banks will check your credit history from CIBIL score which is considered to be of high value in determining your eligibility. The information can be accessed in the form of credit information reports and to ensure you maintain a good credit history, it is important to pay your credit card bills and EMIs on time.
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Cosmetic dental procedures are offered to people who are not comfortable with their current teeth and gums and need to have some changes as a way of boosting their confidence and also making them more attractive and beautiful. The procedures depend on what the issues are and are offered by dentists in Los Angeles.
These cosmetic procedures have helped many people smile again without minding their misaligned , badly shaped and even discolored teeth. You do not need to have an infection or be in pain to have a procedure. The main aim of the cosmetic procedures is to improve on your general appearance through proper dental presentation and care. The dentists in Los Angeles are quite dedicated in improving the lives of people.
When looking for a dentist to handle your dental cosmetic issues, you should never settle for anything less than perfect. You should expect courtesy, respect and first class kind of treatment from the dentist you settle on. A dentist who has all these values is bound to make you feel important and confident about the procedure hence you will be happy with the results.
The environment in which your dentist works should be inviting and comfortable. A good dentist in Los Angeles will operate in a friendly , relaxing and most of all clean area. You will find that you are more trusting when the area around you is clean and manages to help you relax. This is especially a good way of fighting any anxiety you could be having before the procedure.
He or she should clearly show attempts of accommodating the dental apprehensions you could be having. This is important since it will ensure that both of you end up happy and you can even form lasting relationship in relation to the services and even as friends. He or she should be willing to hear you out even before convincing you to have the procedure.
The dentist you settle for also needs to be good enough to describe the issue at hand, point out the potential risks, fill you in on the procedures or steps that will be taken during the procedure and even give you the best remedy for the issue. It is much easier for you to choose a certain procedure or even make an informed decision when you know what you stand to gain as well as the risks and the steps that the dentist will take during the procedure.
Leander Percy - About Author:
Welcome to Los Angeles cosmetic dentist , provide you the. |
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