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Buying a home is a dream come true for most of us but there are many of us who don鈥檛 know what to keep in mind when applying for a home loan. People often go to buy a home and find that prices of homes as well as rates of interest are coming down. Hence it is important to understand the process of applying for a home loan is very different from the process of applying for a car loan or renting an apartment. So http://www.wholesaleairvapormaxplus.com/ , it makes sense to educate yourself. Here are some tips that you may find helpful:

Review Your Credit Ratings


Many people fail to check their credit history before applying for a home loan. Assuming that your credit history is high enough is a bad idea since a lower credit score is a huge roadblock when it comes to home loan approval. It is also important to file ITR every year. If you haven鈥檛 done so yet, you can try applying for housing loan without itr.


Get Some Cash


The requirements and rules of home loan change often. It is hence important to have cash with you if you intend to apply for a loan. You need to make a part of home value as down payment. A failure to do that may lead to your application being rejected. Minimum amount of down payment ranges between 10-20%.


Don't quit your job


This may sound like a no brainer but keeping your job while you are going through the process is vital. A change in income status or in job can have a negative impact on your application. If you are a salaried employee, you can check your eligibility using a calculator for maximum home loan for salaried employee


Get rid of your deb


It is better to pay off all your ongoing loans and debts before applying for home loan. This also includes your credit card bills. It is also a good idea to avoid making big purchases before applying for a home loan.


Consider Your Budget


One must not go with the flow and give thorough consideration to their budget before starting the home loan application process. Your preapproved amount is decided on your credit status, but you must also keep in consideration the school fee, cost of fuel and your other living expenses before you make the decision.


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