APARTMENT IN ZIRAKPUR 2/3/4 BHK 9878392666

APARTMENT IN ZIRAKPUR FOR SALE AT PRIME LOCATIONS

READY TO MOVE

VARIOUS LOCATION AT ZIRAKPUR

CONTACT US FOR 2/3/4 BHK APARTMENT  IN ZIRAKPUR
BALAJI HOMES
RAMAN 9878392666
MANPREET 9501187500
HARINDER 9779867008

SHOP FOR SALE VENETIAN TOWER PEERMUCHALLA 9878392666

SHOP FOR SALE ZIRAKPUR PEERMUCHALLA UNDERCONSTRUCTION
POSSESSION IN 9 MONTH

VENETIAN TOWER ( A PERFECT MART )

OPEN YOUR SHOPS AND SHOWROOM  UNDER ONE ROOF WITH ALL BEST AMENITIES

VENETIAN TOWER PEERMUCHALLA ADJOINING  SEC. 20 PANCHKULA
BALAJI HOMES
9878392666 RAMAN GUPTA

GODOWNS IN ZIRAKPUR

9878392666-M BALAJI HOMES REAL ESTATE 




FOR BUY/SALE/RENT PROPRETY IN ZIRAKPUR NEAR

 TO CHANDIGARH

CONTACT US ( HOME LOAN FACILITY ALSO 


AVAILABLE )


1100 SQ.YRD. PLOT SIZE FOR SALE AT ZIRAKPUR PABHAT 
AREA BACKSIDE OASIS BANQUET HALL.

GROUND FLOOR BUIL UP APPROX. 7000 SQ.FT. @ 3.25 CR.
CONTACT US FOR MORE DETAIL
BALAJI HOMES 9878392666


 RAMAN GUPTA

NIRMAL CHAYYA 3BHK READY TO MOVE APARTMENT 9878392666

3BHK NIRMAL CHAYYA READY TO MOVE APARTMENT 1895 SQ.FT.

 PRIME LOCATION WITH ALL BEST AMENITIES

CLUB MEMBERSHIP,SECURE,GREEN AREA SURROUNDING,
KIDS POOL,SWINGS,LIFTS


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BALAJI HOMES  9878392666

3BHK SBP'S SOUTH CITY ZIRAKPUR VIP ROAD 9878392666

3BHK READY TO MOVE APARTMENT FOR RESALE 

1510 SQ.FT. SBP'S SOUTH CITY
VIP ROAD ZIRAKPUR

@ 4500000


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BALAJI HOMES 9878392666

LOAN FACILITY AVAILABLE WITH US

2/3/4 BHK FOR RESALE AT ZIRAKPUR 9878392666

2/3/4/ BHK ON  RESALE AT ZIRAKPUR
PRIME LOCATION
READY TO MOVE
WITH ALL BEST AMENITIES
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LOAN FACILITY AVAILABLE

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BALAJI HOMES 9878392666

8 reasons your home loan can be rejected

A house, an MUV, your child's education, a foreign holiday: you could have myriad reasons for applying for a bank loan. The bank generally considers and clears a loan based on your credit-worthiness. Among the factors contributing to a successful application would be your credit report which would be based on your income, employment record, age and value of holdings, prior loan repayment record.

Make sure you check the following points before applying for a loan:

Are you responsible enough to make the commitment?

You need to check your ability to repay by roughly estimating your monthly inflows and outflows, after allocating some funds for unforeseen emergencies

Credit report from CIBIL

A good CIBIL score will speed up your loan application. A good track record of paying your credit card dues in time will get you a high CIBIL score.

Clear funds for EMIs

Make sure your income either rises or remains steady for as long as you need to pay the EMIs for your loan.

When can your loan application get rejected?

A few reasons which could lead to rejection of your application could be as follows:

1. Negative track record :

If your credit card or previous loan repayments have a poor track record, your application can be rejected. Thus, a positive report from CIBIL would ensure quick and easy clearance of your application.

2. Unsteady income and compulsive job hopping:

If you have been juggling between jobs and do not have a good employment record, even if you have a high income at present, your application can be rejected.

3. Someone in the family has not paid up:

If someone in the family has debts and a negative rating from CIBIL, your application is liable to be rejected as you share the same address as the defaulter.

4. No guarantee about the guarantor:

A guarantor plays a very important role in your loan clearance process. If a guarantor has good credit worthiness, your application will be easily cleared.

5. No guarantee about the co-applicant:

Just like the guarantor, the co-applicant plays a very important role in the clearance process. If the co-applicant has good credit worthiness, it will increase the probability of your loan sanction. On the other hand, if the co-applicant has got poor repayment history or poor credit worthiness, you loan application may be rejected.

6. A previous loan application has been rejected:

If for any reason your loan application has been rejected previously, make sure you have rectified the errors before you file another fresh application. After all, no bank wants to lose its money and officers are accountable to higher authorities. Make sure all your records and ratings are clean before you make a fresh application.

7. Is your sibling or friend a co-applicant?

Generally, banks do not encourage loan applications where siblings or friends are co-applicants. However, if parents are made co-applicants, chances of getting the loan approved are higher.

8. More loans and less Income:

If you already have taken more number of loans, your disposable income comes down considerably. As this will reduce your loan repayment capacity, your loan application may get rejected.

Take the loan, pay up and go in for another one

While some banks used to levy a fine on pre-closure of loans, a majority of them have removed the clause from the loan terms. So, it might be worth liquidating your savings and reducing your loan amount at the earliest. The good part is once you have a good record of loan repayment, you can get approved for another loan from the same or another bank easily.

Apart from being credit card smart, if you want to be completely financially smart, then you need to begin with an end in mind. That is you should decide in the beginning itself, what are all the financial goals, you need to achieve at the end.


9878392666/9779867008