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If you’ve Zeroed in your dream home, making that dream into a reality needs the important vitamin ‘M’ – Money. Not everyone has the financial muscle to be able to put up the entire funding, so a home loan is a necessity to bridge that gap, between what you have and how much the house costs. We help understand the types of loans you get based on a home.
Home Purchase Loan
This is the basic home loan for the purchase of a new home.
Home Improvement Loan
These loans are given for implementing repair works adn renovations in a home that has already been purchased by you. External work like structural repairs or waterproofing and internal work like tiling, plumbing, electrical work, painting, flooring, etc. remains to be done even after you’ve bought the house. This is when a home improvement loan comes in handy.
Home Construction Loan
This loan is available for the construction of a new home.
Home Extension loan
This is given for expanding or extending an existing home. You could avail of this loan if you want to build a floor or expand it but only after you obtain the requisite approvals from the municipal and town authorities.
Home Conversion loan
Simply put, this loan enables you to transfer your current loan (which you took to buy your house) to the new house, thereby providing you with additional finances for the incremental cost of the new house-which means, you can move to your new house without having to pre-pay your existing loan.
Land Purchase Loan
This loan is available for purchase of land for both, construction or investment purposes. If you’ve opted to invest in land instead of buying a flat in town, you could apply for a land purchase loan. You could later apply for a construction loan separately to build your dream home on the land.