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A faster and easier way to pay off home loans is EMIs but choosing the right EMI option is vital as it will determine how fast you can repay your loan and aim at other financial goals. Though determining the right EMI amount is a subjective call and will differ for each borrower, you can always check your financial capacity by using a home loan emi calculator. Additionally, answering a couple of important questions can help you determine the right home loan EMI option for yourself. These questions are as follows -
The tenure within which you wish to pay off your home loan will play a huge role in deciding the EMI. Do you want to pay it off early or wish to extend the tenure? Here, it is important to consider the period you expect to live in the home you are about to purchase. If you wish to take a home loan for extremely long periods, say, 15 or 30 years, it is important to consider whether or not you plan on staying in the home for that long. If not, it is better to pay off your house loan EMI sooner and enjoy true homeownership. Moreover, you can enjoy lower interest cost.
Another major home loan EMI deciding factor will be your ability to repay in a month. You certainly have other fixed monthly obligations and statutory deductions to attend to. It is important to be certain that the house loan EMI will not cause great disturbances with your other monthly commitments.
Lower interest rates naturally convert to lower interest to be paid on the loan amount. Meaning, lower home loan EMIs. Different banks and financial institutions offer different interest rates. Tata Capital offers lower interest rates on home loans. Compare your options and opt for the interest rate where the EMI will be compatible with your ability to repay.
I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.
Home Loan | 14 March, 2022
The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.
Home Loan | 11 March, 2022
The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.
Home Loan | 28 February, 2022
I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.
Home Loan | 18 February, 2022
The rate of interest is moderate. Pre closure is applicable but there is locking period. Their customer service is very good.
Home Loan | 20 October, 2021
The home loan was sanctioned on time and I easily uploaded the documents through online.
Home Loan | 20 October, 2021
Interest rate is a bit high when I compared to Government banks, but processing time and charges for my home loan were less. Loan was sanctioned soon as well.
Home Loan | 20 October, 2021
The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?
Home Loan | 20 October, 2021
The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.
Home Loan | 20 October, 2021
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Looking for a bungalow or an apartment? With Tata Capital Home loans, find a dream home and make it your reality. Ab aapke sapnon ka ghar aapke naam!
Yes, it is possible to switch home loan EMI options. You can either choose to –
Have a reduction in your home loan tenure or
Have a reduction in your home loan EMI
Out of the two, reducing the tenure is a relatively better option. Not only will this option help you to pay off your loan faster, but will also spare you from paying higher interest amounts.
You can reduce your home loan EMI in the following ways –
* Offer applicable only for customers availing a Home Loan via the online Home Loan application process.
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