🏠 Thinking of shopping for a home? Wondering how housing loans actually work?
In this unique podcast, a senior financial institution supervisor breaks down all the pieces you want to know – from EMI, rates of interest, mortgage approval methods, CIBIL rating, to hidden costs banks by no means point out.
🎯 Whether you are a first-time homebuyer or planning a second funding property, that is the final word information to house loans in India (2025 version).
💡 Learn the A to Z of housing loans in easy phrases – and save lakhs with good insider ideas.
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📢 Share this with somebody planning to purchase a house!
In this episode of Archwoods Podcast, we information you step-by-step by means of all the pieces you want to learn about housing loans — from eligibility, required paperwork, CIBIL scores, co-applicants, EMI modifications, to authorities schemes and extra. This is your full Tamil information to shopping for or constructing your dream house with the precise monetary assist.
🎙️ Whether you are salaried or self-employed, this episode is full of sensible insights in easy Tamil.
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👉 @archwoods.in-
⏱️ Timestamps:
00:00 – Podcast Trailer
00:01:14 – Introduction
00:01:45 – What Are The Basic Requirements I Need To Fulfill To Get A Housing Loan From The Bank?
00:04:53 – What are the paperwork required to get a mortgage, and why are so many paperwork wanted?
00:06:44 – For salaried staff, is it higher to give wage in money or credit score it to their checking account?
00:09:11 – What is a CIBIL rating? What rating is required to get a mortgage?
00:15:14 – For these with a low CIBIL rating, what can they do to enhance it?
00:18:14 – What is One Time Settlement (OTS) and pre-closing? Should we do it or not? Will it have an effect on the CIBIL rating?
00:25:10 – For enterprise individuals and salaried people, how and the way a lot mortgage can they get?
00:29:34 – What is a joint account or co-applicant? How do they assist when making use of for a mortgage?
00:31:41 – Can we get a mortgage that covers each the home and the land collectively? If so, what proportion of the overall price can we get as a mortgage?
00:36:20 – Once a mortgage is taken, is there a likelihood that the month-to-month EMI quantity will change?
00:38:37 – Are there any authorities schemes or affords accessible? What are the eligibility standards? How a lot additional can we pay, and the way to scale back it?
00:44:29 – If there’s an current constructing, can we get a mortgage for extending it or inside work?
00:45:26 – Can I get a housing mortgage based mostly on my wage or through the use of property or jewellery as collateral?
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