Apna ghar lena har kisi ka sapna hota hai. Lekin property ki high price ki wajah se logon ko home loan lena padta hai. Agar aap bhi ghar kharidne ka plan bana rahe ho, to is blog mein aapko milegi home loan ki complete jankari – eligibility, interest rate, documents, process aur tips.
🔹 Home Loan Kya Hota Hai?
Home loan ek secured loan hota hai jo bank ya NBFC aapko ghar kharidne, banane ya renovate karne ke liye deta hai. Isme property hi security hoti hai.
Aap EMI (Equated Monthly Installment) ke through loan amount + interest chukate ho.
🔹 Home Loan Ke Types
- Home Purchase Loan – Naya ya resale ghar kharidne ke liye
- Home Construction Loan – Apni zameen par ghar banane ke liye
- Home Renovation Loan – Ghar repair ya renovation ke liye
- Home Extension Loan – Ghar mein naya room ya floor jodne ke liye
- Balance Transfer Loan – Ek bank se dusre bank me loan transfer karna (kam interest ke liye)
🔹 Home Loan Interest Rate 2026 (Approx)
- Public Banks: 8.30% – 9.50%
- Private Banks: 8.50% – 10.50%
- NBFC: 9% – 12%
👉 Interest rate aapke CIBIL score, income aur profile par depend karta hai.
🔹 Home Loan Eligibility
Bank aapko loan dene se pehle kuch cheeze check karta hai:
✔ Age: 21–60 years
✔ Stable Income (Job ya Business)
✔ CIBIL Score: 700+ best mana jata hai
✔ Existing Loans kam hone chahiye
✔ Property legal honi chahiye
🔹 Required Documents
🧾 Salaried Person
- Aadhaar Card
- PAN Card
- 3–6 mahine ka salary slip
- 6 mahine ka bank statement
- ITR (agar ho)
🧾 Self-Employed
- Aadhaar & PAN
- 2–3 saal ka ITR
- Business proof
- Bank statement
🔹 Home Loan Kaise Apply Kare?
- Bank/NBFC choose kare
- Online ya branch visit kare
- Documents submit kare
- Loan verification hoga
- Property verification
- Loan approval
- Agreement sign kare aur disbursement ho jayega
🔹 EMI Kaise Calculate Kare?
EMI depend karta hai:
- Loan Amount
- Interest Rate
- Loan Tenure (10–30 saal)
Example:
Agar ₹30 lakh ka loan 9% interest par 20 saal ke liye lete ho, to approx EMI ₹27,000–28,000 hogi.
🔹 Home Loan Lene Se Pehle Dhyan Rakhe
⚠ Apna CIBIL score improve kare
⚠ Fixed vs Floating interest samjhe
⚠ Hidden charges check kare
⚠ Processing fee compare kare
⚠ Prepayment charges dekhe
🔹 Government Subsidy (PMAY)
Agar aap first time home buyer ho, to Pradhan Mantri Awas Yojana (PMAY) ke under interest subsidy mil sakti hai (income category ke hisab se).
🔹 Conclusion
Home loan lena ek bada financial decision hai. Jaldi me decision na le. Har bank ka interest rate aur processing fee compare kare. Apni repayment capacity ke hisab se loan amount choose kare.
