Yes, indeed.
While home loans sound as the gateway to the dream home, do we ponder, if , for once, to think and analyse, as to what does the bank or banking institution that one looks at as a donor of money, require from the consumer or loan taker in this case , in return for some security.
In case one finds this concept absurd and rather rude, they should note that it is for the safety, extreme surety on behalf of the borrower as well as a safety on behalf of the lender, in this case , the bank offering the home loan; that the financial institution is not exploited by fraudulent activity and is legally safe and secure from all and any fraudulent people and fraudulent plans and fraudulent activities.
This, the bank does (and also, takes), in order to be prevented from defaults and payment delays. This is a measure taken by a bank offering a large amount of money in the form of a home loan, so that it does not go bankrupt , in itself while lending money to people who come in the form of customers and loan takers.
Enough of the introduction. Let us get to the content and purpose of this essay.
So, what are the securities that bank require from us, the loan taker, in order to give us a home loan, specifically?
Now we all dream of owning a house bearing our respective name plates. In cosmopolitan and metropolitan cities such as Bangalore, Chandigarh, Mumbai , our capital city, Delhi , and Kolkata, it really costs a lot if you stay in a rented house. The cost of staying itself can go up to more than your actual income and salary!
Hence guided by some common sense, people have taken a preference to to buy their own houses and pay equated monthly income (EMI) on home loans they take in order to buy a property or a house.
After selecting the property one wants to buy, they need to apply for a home loan in banks or housing finance companies. Once the banks or the housing finance companies approve their home loan , they have to provide banks with a security against their respective home loan.
Generally, the first mortgage of the property that is the title deed has to be provided to the bank as security against the loan. Banks or housing finance companies or such banking institutions ensure that the property is free from any concern that could adversely affect the property.
Mostly, the banks or housing finance companies asks the borrowers for down payments which becomes as the borrower’s contribution in the creation of the asset. If one is able to put a lump sum amount as down payments at first while they are availing of the home loan from the bank initially, then it will reduce the loan amount that they are required to take from the banks or housing finance companies, or banking institutions.
Lets give an example for better understanding.
For instance, one is buying a house that costs Rs. 40 lakh. For the possibility , that , if suppose, they make a down payment of Rs. 15 lakhs, then they must take a home loan of Rs 25. lakhs from the bank. However, and as far as common sense guides us, one needs to be financially sound to make such a hefty down payment!
Some banks or housing finance companies could also ask for collateral security. It could be anything considerable, be it their life insurance policies, the surrender value of which is set at a percentage to the home loan, anything relevant. Other security collateral can be pledge of shares or securities as well as investments investments like National Saving Certificates (NSC) or Kisan Vikas Patra (KVP).
To give a conclusion, we thus conclude and round off by saying, that one should be financially well prepared and sound before applying for a home loan because banks can be very merciless indeed.
As one has to, make it mandatory to submit the title deeds and other valuable documents to the banks or housing finance companies as security, it is better if they keep photocopies of the documents before submitting them, so that they can use the photocopies for reference in future, if any problem arises, vis a vis the bank and borrower.
98 Comments
https://drugsoverthecounter.com/# best over the counter hair color
https://over-the-counter-drug.com/# humana over the counter
over the counter anti nausea best over the counter yeast infection treatment
cvs over the counter covid test clobetasol over the counter equivalent
over the counter asthma inhaler over the counter antibiotic
over the counter cough medicine best over the counter skin tag removal
over the counter viagra substitute best over the counter allergy medicine
uhc over the counter essentials 2019 over the counter erectile pills at walgreens
https://amoxil.science/# cost of amoxicillin 875 mg
https://zithromax.science/# generic zithromax online paypal
Everything what you want to know about pills. All trends of medicament.
stromectol liquid
drug information and news for professionals and consumers. drug information and news for professionals and consumers.
Read here. Generic Name.
https://stromectolst.com/# ivermectin 4 tablets price
drug information and news for professionals and consumers. Some trends of drugs.
Generic Name. Commonly Used Drugs Charts.
stromectol online canada
Medscape Drugs & Diseases. Read here.
Read information now. Read now.
https://stromectolst.com/# stromectol tab 3mg
Get here. Read information now.
Medscape Drugs & Diseases. Medscape Drugs & Diseases.
stromectol generic
earch our drug database. drug information and news for professionals and consumers.
Some are medicines that help people when doctors prescribe. Definitive journal of drugs and therapeutics.
https://stromectolst.com/# ivermectin syrup
п»їMedicament prescribing information. All trends of medicament.
Actual trends of drug. Drugs information sheet.
stromectol tab 3mg
Best and news about drug. Get here.
Some are medicines that help people when doctors prescribe. Cautions.
stromectol pills
Read now. All trends of medicament.
Comprehensive side effect and adverse reaction information. Comprehensive side effect and adverse reaction information.
stromectol australia
Definitive journal of drugs and therapeutics. Read here.
Read now. Read here.
stromectol ivermectin tablets
п»їMedicament prescribing information. Read now.
Commonly Used Drugs Charts. safe and effective drugs are available.
https://stromectolst.com/# ivermectin 200mg
Everything what you want to know about pills. Comprehensive side effect and adverse reaction information.
Get warning information here. Some are medicines that help people when doctors prescribe.
https://stromectolst.com/# ivermectin nz
All trends of medicament. Get warning information here.
Long-Term Effects. All trends of medicament.
ivermectin brand
Top 100 Searched Drugs. Get warning information here.
Some are medicines that help people when doctors prescribe. Prescription Drug Information, Interactions & Side.
where to buy stromectol
Everything information about medication. Learn about the side effects, dosages, and interactions.
Read information now. Read now.
stromectol generic
All trends of medicament. Long-Term Effects.
Prescription Drug Information, Interactions & Side. Get warning information here.
where to buy stromectol
Read now. п»їMedicament prescribing information.
Definitive journal of drugs and therapeutics. Long-Term Effects.
can i purchase generic nexium tablets
Drugs information sheet. Actual trends of drug.
Commonly Used Drugs Charts. Some are medicines that help people when doctors prescribe.
where to get mobic without insurance
Actual trends of drug. Cautions.
Long-Term Effects. Drug information.
https://mobic.store/# cost mobic pills
Read here. Read information now.
Get here. п»їMedicament prescribing information. where to buy generic avodart online
Get information now. Everything information about medication.
Cautions. Top 100 Searched Drugs.
how to buy lisinopril online
Read information now. Some are medicines that help people when doctors prescribe.
Best and news about drug. Everything what you want to know about pills.
where to buy mobic without a prescription
Generic Name. Learn about the side effects, dosages, and interactions.
Read here. drug information and news for professionals and consumers.
how can i get generic mobic price
All trends of medicament. Read information now.
earch our drug database. Read information now. https://avodart.science/# can i buy cheap avodart online
Top 100 Searched Drugs. Actual trends of drug.
Read now. Everything about medicine.
can you buy lisinopril online
Commonly Used Drugs Charts. Read here.
Drugs information sheet. Everything about medicine.
cost mobic pills
Some are medicines that help people when doctors prescribe. Get warning information here.
Generic Name. Medscape Drugs & Diseases.
where to buy mobic without insurance
earch our drug database. Get warning information here.
Get information now. What side effects can this medication cause?
https://nexium.top/# can i order generic nexium without rx
Long-Term Effects. Read here.
Comprehensive side effect and adverse reaction information. Prescription Drug Information, Interactions & Side. cost of avodart without prescription
Definitive journal of drugs and therapeutics. Some trends of drugs.
Commonly Used Drugs Charts. Get warning information here. https://amoxicillins.online/ amoxicillin 50 mg tablets
Read here. Get information now.
Some are medicines that help people when doctors prescribe. drug information and news for professionals and consumers.
get generic propecia tablets
Top 100 Searched Drugs. Get warning information here.
Drug information. earch our drug database.
buy generic propecia without prescription
Comprehensive side effect and adverse reaction information. Learn about the side effects, dosages, and interactions.
Get here. Prescription Drug Information, Interactions & Side.
buy zithromax without presc
Read information now. drug information and news for professionals and consumers.
Some trends of drugs. Read information now. https://amoxicillins.com/ amoxicillin 500mg capsules price
Get warning information here. Some trends of drugs.
Comprehensive side effect and adverse reaction information. Everything what you want to know about pills.
zithromax z-pak
Everything what you want to know about pills. Generic Name.
Comprehensive side effect and adverse reaction information. earch our drug database.
order clomid tablets
Definitive journal of drugs and therapeutics. п»їMedicament prescribing information.
Get information now. Get information now.
where can i buy zithromax uk
Read information now. Best and news about drug.
Some trends of drugs. Read now.
https://clomiphenes.com how to buy cheap clomid prices
Best and news about drug. Definitive journal of drugs and therapeutics.
drug information and news for professionals and consumers. Learn about the side effects, dosages, and interactions.
https://finasteridest.online where to buy propecia pill
Read information now. Read information now.
Read information now. Commonly Used Drugs Charts.
where can i get cheap propecia pill
drug information and news for professionals and consumers. safe and effective drugs are available.
Get warning information here. Everything about medicine. amoxicillin without a doctors prescription
Some trends of drugs. Read now.
Drug information. Read now. generic amoxicillin online
Comprehensive side effect and adverse reaction information. safe and effective drugs are available.
Read here. All trends of medicament.
cost of generic zithromax
Comprehensive side effect and adverse reaction information. Best and news about drug.
Drug information. drug information and news for professionals and consumers.
can i purchase cheap propecia
Prescription Drug Information, Interactions & Side. п»їMedicament prescribing information.
Actual trends of drug. Generic Name.
https://clomiphenes.com cost of cheap clomid no prescription
Long-Term Effects. Drug information.
Read information now. Get warning information here.
pills for erection
earch our drug database. Actual trends of drug.
Everything what you want to know about pills. Comprehensive side effect and adverse reaction information.
pills for ed
All trends of medicament. Read now.
Medscape Drugs & Diseases. Read now.
https://edonlinefast.com ed pills for sale
What side effects can this medication cause? Prescription Drug Information, Interactions & Side.
Comprehensive side effect and adverse reaction information. Best and news about drug.
https://edonlinefast.com medication for ed dysfunction
Some trends of drugs. Read here.
Everything information about medication. Actual trends of drug.
https://edonlinefast.com best drug for ed
Long-Term Effects. Medicament prescribing information.
What side effects can this medication cause? Everything about medicine.
https://edonlinefast.com best ed pill
Everything what you want to know about pills. Get information now.
Definitive journal of drugs and therapeutics. Some are medicines that help people when doctors prescribe.
ed pills online
All trends of medicament. Everything what you want to know about pills.
Long-Term Effects. Medscape Drugs & Diseases.
ed medication online
Get here. Best and news about drug.
Read information now. safe and effective drugs are available. buy amoxicillin canada
earch our drug database. Top 100 Searched Drugs.
Comprehensive side effect and adverse reaction information. Everything about medicine.
erection pills that work
Comprehensive side effect and adverse reaction information. Medscape Drugs & Diseases.
Long-Term Effects. earch our drug database.
reliable canadian online pharmacy
Read now. Get information now.
Get information now. Definitive journal of drugs and therapeutics.
pet meds without vet prescription canada
Drug information. safe and effective drugs are available.
Read here. Medicament prescribing information.
best canadian pharmacy online
Learn about the side effects, dosages, and interactions. Get here.
Prescription Drug Information, Interactions & Side. Read now.
https://canadianfast.online/# prescription without a doctor’s prescription
Medscape Drugs & Diseases. Top 100 Searched Drugs.
п»їMedicament prescribing information. Cautions.
prescription drugs online without doctor
drug information and news for professionals and consumers. Learn about the side effects, dosages, and interactions.
Everything information about medication. Actual trends of drug.
https://canadianfast.com/# amoxicillin without a doctor’s prescription
safe and effective drugs are available. All trends of medicament.
Some trends of drugs. п»їMedicament prescribing information.
https://canadianfast.com/# canadian medications
Medscape Drugs & Diseases. Cautions.
Some trends of drugs. Generic Name.
amoxicillin without a doctor’s prescription
Everything about medicine. Best and news about drug.
Comprehensive side effect and adverse reaction information. Everything what you want to know about pills.
https://canadianfast.online/# online prescription for ed meds
Get information now. Some trends of drugs.
Read information now. What side effects can this medication cause?
https://canadianfast.online/# legal to buy prescription drugs without prescription
safe and effective drugs are available. Comprehensive side effect and adverse reaction information.
Everything information about medication. Read now.
prescription drugs without doctor approval
Commonly Used Drugs Charts. Cautions.
Prescription Drug Information, Interactions & Side. Learn about the side effects, dosages, and interactions.
https://canadianfast.online/# non prescription ed pills
Medicament prescribing information. Comprehensive side effect and adverse reaction information.
Top 100 Searched Drugs. All trends of medicament.
canadian online pharmacy
safe and effective drugs are available. Best and news about drug.
Cautions. All trends of medicament.
https://canadianfast.com/# canadian medications
Comprehensive side effect and adverse reaction information. Comprehensive side effect and adverse reaction information.
Definitive journal of drugs and therapeutics. Top 100 Searched Drugs.
buy sildenafil generic india
Everything information about medication. Read here.
Some are medicines that help people when doctors prescribe. Commonly Used Drugs Charts.
https://viagrapillsild.com/# viagra government funded
Read information now. Commonly Used Drugs Charts.
Get warning information here. Get here.
https://viagrapillsild.online/# sildenafil citrate generic
Read here. Commonly Used Drugs Charts.
All trends of medicament. Everything information about medication.
https://tadalafil1st.online/# cialis shipping
drug information and news for professionals and consumers. What side effects can this medication cause?
Generic Name. Read here.
https://tadalafil1st.com/# cialis overnight online
Best and news about drug. Some are medicines that help people when doctors prescribe.
safe and effective drugs are available. Comprehensive side effect and adverse reaction information.
price of tadalafil 20mg
Commonly Used Drugs Charts. Long-Term Effects.
п»їMedicament prescribing information. Everything what you want to know about pills.
buy cialis with paypal
Get warning information here. Medscape Drugs & Diseases.
drug information and news for professionals and consumers. Read information now.
https://tadalafil1st.online/# tadalafil free shipping
Some are medicines that help people when doctors prescribe. Best and news about drug.
Best and news about drug. Read here.
https://tadalafil1st.com/# use cialis promise coupon orlando fl
What side effects can this medication cause? drug information and news for professionals and consumers.
Get warning information here. Some trends of drugs.
tadalafil mexico
Everything about medicine. earch our drug database.
safe and effective drugs are available. Comprehensive side effect and adverse reaction information.
best online tadalafil
Get warning information here. Some are medicines that help people when doctors prescribe.
Learn about the side effects, dosages, and interactions. Medicament prescribing information.
https://tadalafil1st.online/# cialis 20mg price
Get information now. Medscape Drugs & Diseases.
Everything what you want to know about pills. Medscape Drugs & Diseases.
https://tadalafil1st.com/# cheap cialis pills uk
What side effects can this medication cause? Best and news about drug.
Get warning information here. Read information now.
tadalafil 5mg canada
Long-Term Effects. All trends of medicament.
Get warning information here. Some are medicines that help people when doctors prescribe.
tadalafil tablets canada
earch our drug database. Read information now.
Read information now. Get here.
cialis free trial coupon
Everything information about medication. Prescription Drug Information, Interactions & Side.
Comprehensive side effect and adverse reaction information. Read here.
prednisone buy cheap
Get here. Generic Name.
Read here. Read information now.
how to get cheap propecia for sale
Read information now. Long-Term Effects.
drug information and news for professionals and consumers. Long-Term Effects.
buying amoxicillin online
Read information now. Get information now.