Tips to avoid rejection of home loan application

Ghar log aksar home loan pe lete hai, jisse income tax me deduction ho jati hai aur to aur “apna ghar” lene ka sapna bhi pura ho jata hai. Lekin kai baar aap loan ke liye apply karte ho aur apki application reject kar di jati hai.

Banks aur loan dene vali company ke rules bohat strict hai aise me vo application ko reject karte hai aur hamara ghar banane ka sapna adhura reh jata hai.

Ye sab ke piche kya vajah hai ? aur konsi chizo ka dhyan rakh ke hum loan easily loan le sakte hai ? iske bare me hum apko iss article me batayenge.

Home Loan Application

Tips to avoid rejection of home loan application

Credit History

Credit history apki financial report hai aur koi bhi bank loan dene se pehle isko jarur dekhti hai.

Credit score 3 number ka hota hai jiski range 300-900 hoti hai. Jitna jyada number utni apki credit history achhi mani jati hai.

Jo log pehle hi loan le chuke hai ya credit card ka bill nahi bharte unka score kum hone ki vajah se loan application reject kar di jati hai.

Apko credit card bill time pe bharna chahiye, credit ke score loan lene ke liye isko jarur dhyan me rakhe.

Rejection of loan by other bank

Kuch log loan lene ke liye ek sath multiple banks me apply kar dete hai. Aise me agar ek bank apke loan ko reject karti hai to uska sidha asar apki credit par padega aur jiski vajah se dusri banks bhi apke loan ko reject kar sakti hai.

Agar ek jagah apply kiya hai to uss bank ke reply ka wait kare aur jisse apko pata bhi chal jayega ki apke loan reject hone ki kya vajah hai.

New and Unstable Job

Agar aap har 1-2 saal me job change karte hai to aap samaj lijiye ki aapki loan reject hi hogi. Loan lene ke liye minimum aap ek jagah 6 month se job kar rahe hai aur 1-2 saal ka job experience ho ye jaruri hai.

Apki job new hai to home loan ke liye apply na kare kyunki reject hone pe apki credit history par asar padega.

Workplace

Aap kis company me kam karte hai ye bhi apki home loan application par affect karta hai. Agar aap government employee hai ya jani mani company me kam karte hai to apko easily loan mil jata hai par chhoti moti company me kam karte hai to loan milne me problem hota hai.

Age Factor

Loan dene vali company me loan dene ki maximum age 60 year rehti hai aur iske sath ek condition bhi hoti hai ki loan 70 year tak chuka de. Retirement ke karib hone vale logo ki home application aksar reject hoti hai.

Isse bachne ke liye aap apne working husband/wife aur bachcho ke name loan repayment ke liye add kare aur LTV
(Loan to value) ko kum rakhe aur EMI jyada rakhe jisse apka loan jaldi chuka sake aur loan application reject na ho.

Negative Field Investigation or physical verification

Loan dene se pehle lender apke home aur workplace ka physical verification jarur karta hai.

Apke loan reject hone ke pakke chance hai agar apne jo document me mention kiya hai aisa kuch physical form me nahi hai.

Unclear Property Title

Jab aap home loan ke liye apply karte hai to aapko property ke sare documents or title submit karna compulsory hai. Title ka matlab hai kisne kisko property bechi aur kab bechi hai.

Agar aap koi property kharid rahe hai to aap lawyer ko consult kare taki wo apke sare documents ke bare me bata de aur aapka application loan lene ke time reject na ho.

Lack of Repayment Capabilities

Bank sabse pehle apki income dekhti hai ki aap uss loan ko chuka sakoge ya nahi. EMI bhar ne ke baad jo income apke hath me rehti hai us par depend karta hai ki aapko loan milega ya nahi. Aapko ye verify karne ke baad bank me loan ke liye apply karna chahiye.

Loan ke liye apply karne ke time ye sare factor ko dhayn rakhe aur phir apply kare taki aapki loan reject na ho. Iss topic se relented koi question hai to comment box me puchh sakte hai.

Bookmark the permalink.

One Comment

  1. Thank you for sharing nice information! we also provide the Home loans

Leave a Reply

Your email address will not be published. Required fields are marked *

CommentLuv badge