Eligibility, documents aur home loan se farak: plot ke liye loan lene se pehle ye jaankari kaam aayegi.
Plot ke liye bhi bank ya housing finance company se loan mil sakta hai. Ye home loan se alag hota hai, aur isme kuch alag shartein hoti hain. Hamare kai projects par bank loan available hai.
Bank wahi plot financing karte hain jiska layout sanctioned (T&CP) ho aur title saaf ho. Kheti ki zameen ya vivadit zameen par aam taur par loan nahi milta.
Aam taur par 18 se 70 saal ke naukri-peshewale ya self-employed log apply kar sakte hain. Credit score (CIBIL) 700 ya usse zyada hona behtar rehta hai. Alag banks ki shartein alag hoti hain.
Interest rate, processing fee, loan ka percentage aur tenure har bank mein alag hota hai. 2-3 banks se likhit quotation maangein.
Aadhaar, PAN, pate ka praman, income ke documents (salary slip, bank statement, ITR), aur plot ke documents: title deed, encumbrance certificate, layout approval, aur builder ka RERA number.
Bank plot ki valuation karwata hai aur uske hisaab se loan sanction karta hai. Registry loan ke saath tay hui prakriya ke mutabik hoti hai.
| Plot loan | Home loan | |
|---|---|---|
| Kya cover hota hai | Sirf zameen ki khareed | Ghar ki khareed ya nirman |
| Byaaj dar | Aam taur par home loan se thodi zyada | Aam taur par kam |
| Loan ka hissa | Aam taur par plot ki value ka lagbhag 70-75% | Aam taur par zyada |
| Tax chhoot | Aam taur par nirman poora hone tak nahi | Shartein poori hone par dhara 80C aur 24(b) |
Kai banks plot aur ghar ke nirman ko milakar ek saath loan bhi dete hain, jisme nirman ka paisa kishton mein milta hai.
Aam taur par plot ki valuation ka lagbhag 70 se 75% tak, par ye har bank aur aapki eligibility par nirbhar karta hai.
Plot par koi nirman nahi hota, isliye bank ise zyada jokhim maanta hai. Isliye dar aam taur par home loan se thodi zyada hoti hai.
Aam taur par nahi. Bank approved layout aur saaf title wale plot par hi loan dete hain.
Haan, hamare kai projects par bank loan available hai. Kaunse project par kaunsa bank deta hai, ye jaanne ke liye humse sampark karein.
Hamare projects ke T&CP / RERA documents aap site visit par khud dekh sakte hain. Koi dabav nahi, sirf sahi jaankari.
Book site visitProjects dekheinCall 74890 93611Ye bhi padhein: Plot khareedne se pehle checklist · Plot registry aur stamp duty
