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These are the important aspects of the mortgage loans provided in India:

• The mortgage loan installments or EMIs comprise the payment of the principal amount, mortgage interest as applicable, other charges of insurance, and taxes as applicable.
• The mortgage loan looks very lucrative as huge amounts of funds and capital can be raised through it. However, the borrower must be cautious while applying for the loan as the repayment capacity might not be in line.
• In case Applicants are looking for real-estate leander who can pay good value for Applicants’ property, get the loan approval and establish a good credit score which will eventually help.
• The proper detail and schedule of property purchase should be clarified to the lender as per the amortization schedule.
• The foreclosure charges have been done away by the RBI. So, before seeking the loan, read the offer document carefully before availing the loan or signing any document.
• The overall costing of the project also includes the 15% cost bearing by the borrower, the payment being initial.

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