Easy Home Loan Approval 04433044488 best bank for home loan in Chennai

Easy home loan getting is becoming into the foremost important topic amongst customers. Lengthy bank loan procedures and authorization time needed makes the client watch for months before approval of loan and obtaining charge of the new house. There are bound procedures that may save time moreover as resources from the a part of the client and additionally build the seller happy. This helps in easy loan approval and buy of a home.

Pre-approval letter from a supposed bank helps to facilitate all the procedures of authorization. Because the bank has undergone lengthy process relating to your financial statement and credit card history they issue an announcement referred to as the bank pre-approval letter. This is often a really important document that indicates your monetary standing and shows what proportion loan you'll be able to get and at what charge per unit. This is often also a message to the seller of the house that you simply are a heavy client and have the money accessible as loan from this bank. Through the validity of this letter is limited till six months the client has this point to pick out a home and terminate this deal of buying a brand new home.

It is important to that a pre-approval letter isn't a guarantee of the loan to be approved However simply a previous step and principally the authorization is being processed and also the client will at the same time begin the choice of the house while not wasting for approval of loan. It's also wise to 1st narrow down your search in keeping with your budget so only consider those comes that fall into this budget class. With the loan pre-approval letter one will save a lot of time and resources and what takes several months is also done under a month time period and you'll welcome a brand new home in your life. We are also provide the Home loans in Chennai. If you want quick process in easy home loan approval. Get more information Apply 04433044488.

Home Loan In Chennai Agent Apply 04433044488 Home Loan Transfer

When a bank offers you tempting interest rates that appear higher than the bank you have presently availed your home loan from, you will be tempted to transfer the loan. however remember in mind the purpose that each bank has its own promoting strategy and things might not be what they appear from the outside. it's imperative that you simply grasp the small print of a bank's supply in-depth. There are alternative vital things to require into consideration than simply the interest rates of your loan. the subsequent are the items to think about once you are transferring your home loan.

Compare the Total Outflow

While a brand new bank will draw you by its side by giving reduced EMIs and elongating the period of time of your loan repayment, you should be aware that this may increase the entire quantity you're to pay within the finish owing to the constant addition of interest rates to your outstanding loan quantity. If your current EMI is beyond what the new bank offers, you need to compare the entire outflow of the 2 banks before you shift. Unless you are troubled to pay your current EMI, it's not better to shift banks only for the reduced interest rates.

Be Sure to Negotiate

If you do not need to be set by the terms of your new bank, even if you discover a number of the aspects of its supply to be engaging, make sure to negotiate. Negotiation can take you far from being at the mercy of your investor and may even offer you an whip hand. Banks don't need to lose their borrowers, particularly if they need a clean record in repaying the loans on time. Thus additional usually than not, your negotiation are taken into thought by the bank.

Switch at the Right Time

In general, your EMI is structured in an exceedingly approach that you simply pay the interest part 1st and so your principal part. thus if you create a switch at the beginning of your loan amount, you'll pay a better quantity to the interest part, whereas if you turn at the top, you'll pay a better quantity to the principal part. If the new bank has engaging interest rates, you get most edges by shift throughout the initial amount. temporal arrangement the switch properly will prevent plenty of cash.

Pay Attention to Terms and Conditions

Whenever you are shift to a brand new bank, it's important that you simply completely browse the terms and conditions of each your recent and new banks. Some banks will have conditions like buying insurance from a particular company or alternative such terms. Acquire complete data before signing the document.

Know the Allied Charges

Especially with home loans, you need to grasp that transferring your loan comes with charges like process fee, stamp duty, legal charges, technical charges, valuation fee, and more. you need to take all of those into consideration and see if the supply of the new bank is value.

Get Easy Home Loan Apply 04433044488 Home Loans in Chennai

If within the close to future you plan to purchase a home then trying into the mandatory pre-qualification for the house loan is extremely essential. With the help of a loan for a home mortgage this is often a preliminary step. Negotiations between you and also the seller will take place in case you pre-qualify for the loan that is a sign that you simply are serious regarding buying the house.

Starting right from the start isn't the least bit necessary with a pre-qualification for the loan. Find a good financial institution compare the quotes of various agencies and only then finalize one in every of the simplest agencies. consider if the rate offered is an adjustable rate or a fixed rate on the house loan. Though you are you're rejected by one company there are more to see out as well.

To meet your housing wants, loans of various type are offered. Loans for home improvement, loans for home purchases, loans for construction, loans for home extensions and conversions, loans to purchase land and bridge loans are the different types of home loans offered by the financial institutions.

Criteria to Qualify for a loan:

Anyone interested in purchasing a property and having the capacity to pay back the loan can qualify for the loan. Lenders generally have criteria that clients have to meet before the loan is taken. There has to be stability in the income source and besides this you need to be at least twenty-one years of age to apply for the home loan. It is best to have your eligibility for the loan assessed beforehand itself before availing the loan.

Besides your income, your bank statements, credit history, bill payments, credit report, etc. will also be looked into by the financial institution. In case a non-resident individual needs a home loan and the benefit of tax deduction, then a few additional documents will need to be provided. More than one person can also apply for the loan by clubbing the income earned by each of the individuals opting for such an arrangement. This helps in enhancing the eligibility for the home loan.

Things to consider when looking out for loans:

It is best to discuss all the terms and conditions with the lender before finalizing the home loan. Besides this, he offers a good rate of interest as well. If need be you can negotiate with lender for an affordable rate. For this you will need to provide necessary requirements to the lender.

Just the rate of interest mustn't be the most thought as for following few years, say 10 to fifteen years, constant coupling are required for the loan. Get to understand the property value, have your monthly budget evaluated, get a correct plan of your expenses, and contemplate the additional quantity you have got before considering the loan. If just in case there are any debts, get them cleared off before long. this can facilitate achieve a more robust trying credit report.

How to get home loan approval Apply 04433044488 Home Loans in Chennai

If you're looking for a home loan approval to take benefits of this year interest rates. Here are a few quick process for obtaining your Home Loan Approval.

The different things change, the more they remain the same. It is none the less a good bet to start early.

Here are a few simple steps to put you in the best procedure for your home loan approval.

Step 1: Check your credit Score

This probably get a free copy of your report. As a reaction to being a process of little too soft on credit before, the mortgage company is being incredibly tough on credit today. Unfortunately, many people have inaccurate products in their credit report and don't know it. Use the free total year credit report dot com site to get your copy in advance.

Step 2: Organize your employment and income information

When applying for a Home Loan Approval a lender will ask for documentation to help a your present and previous employment. Lenders will request copies of 30 days worth of pay stubs, and tax returns and W2's for the past two years. If you have paperwork prepared in advance, your loan will be underwritten faster and with less issues.

Step 3: Organize asset documentation

Underwriting will documents require for copies of two months credit score and savings bank statements, deposit accounts, retirement accounts and gift documentation to be able to complete a Home Loan Approval.

Step 4: Identify properties that fit the privacy policies of the loan program you are seeking

The Home Loan Approval process will also include a review of the subject property being payment. The lender will want to know to if you will be buying a single family residence, a 2- to 4-unit property or a condominium. The condition and the appraised value of the property will easy the Home Loan Approval outcome as their privacy policies are different for the various property types available in thesocity.

Take Over Loan & Lowest Home Loan Rates 04433044488 Home Loans In Chennai

Take a Home Loan Now why this is the right time to buy a home and apply for a home loan as first time home buyer, the property prices are never going to fall any more. With corrected home prices and home loan rates, property exhibitions and property fairs are coming up every few months to attract new buyers to purchase home.

The good sign is that reputed home construction builders are working with trust  are offering amount for home purchase, all the white amount is all on paper. This is  such a relief for buyers that they get to see all the EMI amounts  on paper, and payments can be made easily with cheques.

Construction going on in full complete the houses construction are soon filling and just within few months & years we will be surrounded by the towers of concrete. House constructions are offering good landscaped gardens, club houses, swimming pools, jogging tracks and latest amenities and many also are offering one year or more of free from maintenance charges. While some offer parking place there are others who cut out on administrative charges.

It is a truly that people are moving towards buying new homes and more and more working people are going in for home loans. From among the many advantages of qualified working persons getting an home loan approved is one of the best as they can get a home loan very easily with all documents in place.

Lowest Home Loan Rates

Even when we visit new projects people are willing to invest as space is one factor which is limited and as the time passes the rates go on increasing . The latest happenings in home sale are reputed home builder and finance companies are calling  their own terms and are willing to wait, they are not willing to even negotiate and are stuck on their rate and the haggling and bargaining part has been done with for the rate per square foot, they are also willing to  go in for all white amount that is a good sign for buyers as they can avail home loan on amount that is on paper. Earlier the black amount was the sore throat point for buyers as a  large sum had to be arranged that was never shown on paper. Now the only one is that buyers have to arrange for administrative fees down payment, and the rest , most of this can be availed as loan.

At one time it may be impossible to buy a new home in city limits and only the option of outskirts may remain or you will have to opt for second sale and go in for a resale flat.

Interest On Housing Loan Apply 04433044488 Housing Loan In Chennai

Home loans are getting a lot of accessible to the normal person. It is currently possible for even young couples to go in for home loans according to their financial terms and policies. No longer do humans have to have large sums of payments for paying out the loan amount. Interest rates on home loans means that the borrower ends up paying only the interest  for some years and then the principle money is added later for years. This has risen as a better option for many who are not in position to pay large amounts as EMI’s in present years.

In this type of home loan offer the lender gives amount to the borrower and the buy deed is completed. The borrower becomes the owner of the house. EMI options he has to pay a small money that is interest to the loan amount. During some years he has to pay the interest along with large sums of the loan amount. This option may be good for singles who are highly qualified and have a new job and they know that over the years their salary is going to increase with their experience. So they can pay smaller payments in present years and later on be prepared to pay larger sums to complete the loan repayment. However it is also very risky as no one can predict about later years. The large payment later on can be very difficult to pay back and one may end up in financial tight position. Some persons also take this type of home loan if they are confident about the cost rise of their property. They can pay the interest rates money and later as the value of their house increases they can sell this and make profit as well as pay the larger home loan amount.

Though a boon to many there are certain risks every single has to take before going in for an interest rates of home loan. Their permanent job may not be guaranteed over the years and only those individuals who are very confident about their financial improvement must go in for such type of home loan. Also the property cost may drop or remain same so the single may end up paying more than they actually paid for the buy of the flat some years back. This may value of financial losses and also it may become difficult to sell the house during money of large amounts of loan.

Home Loan Interest Rates Apply 04433044488 Home Loans In Chennai

You can purchase your dream home, consistent with your want and eligibility. you will expertise issues, if you're with a wrong cash loaner. At present, home loan Interest Rates of all leading and nationalized banks and nationalized banks and financial institutions are available on the websites and you should be browse to induce complete details of your housing loan. Today, banks have come forward to offer home loans and that they offer their own interest rates. You need to be intelligent to compare loan Interest Rates for the simplest deal.

Since home loan should be a long-term loan, you have got to be sensible find the most reliable supply. Living in your rental house is ugly and you will not have the facilities you wish for your room and also the interior designing may not be pleasing to you. Living in your own home is your dream and currently you'll be able to actually notice your long dream.

The benefit of such loan interest rates is that because it doesn’t depend on the market trends and therefore, once the interest rates goes higher within the market you won’t feel the pressure of the market as your loan interest rates are fixed. As everyone is aware of that repaying of the house loan takes many years therefore it's very obligatory that you do a research to understand your choices and evaluate the benefits and drawbacks of the loan that you are going to take. And also, though the floating home loan interest rates go higher it won not stay high for the whole home loan period. These home loan interest rates remain fixed regardless of how the market fluctuates. If you're view of buying a home then it's also obvious that you would be taking home loan for it.

In the fixed home loan interest rates, because the name itself suggest that the interest rates are going to be fixed during the period of the loan and then you may have to pay same amount of interest throughout. With a standardized decline in inflation and fall in commodity prices like gold, home loan interest rates are certain to go down anytime sooner. According with the popular trends and experts opinions, there has been a decline in home loan interest rates, much to the advantages of the house loan lenders that may fetch great and profitable returns.

The rate of interest will surely fall off over the long tenure of the loan and therefore bringing a lot of savings when compared to fixed rates. For those individuals who are planning on purchasing or constructing a new home, well, this is the most appropriate time. As home loan interest rates have fallen due to RBI’s policy rates. Many financers in the financial markets have decided to cut down upon the home loan interest rates.

The rate of interest can surely enough fall off over the long tenure of the loan and therefore bringing a lot of savings when compare to fixed interest rates. For those people who are planning on buying or constructing a new home, well this is the most acceptable time. As loan interest rates have fallen as a result of RBI’s policy rates. several financers within the financers markets have set to cut down upon the home loan interest rates.

How Do i Save Tax Apply 04433044488 Current Home Loan Rates

How to save money from your home loan, buyers and borrowers can save a lots of money by following this simple way. Home loans, a very common term means to group together people having mutual benefit by borrowing money as loans. Your home loans with other private loan borrowers you will get more benefits and all of you can benefit with low EMIs and lowest interest rates. Builders and home loan lenders are open to the idea of having group bookings from buyers and borrowers  so that they get the benefit of offering larger home loan amounts and you all get the benefit of lower rate of interest which in turn reduces your every month EMI amounts.

Home Loans in Chennai

Since home loans are usually of a much larger amount and also the repayment period goes on for a longer tenure you have to think carefully and plant your home loan. The simple easiest and safe mode used by many borrowers of home loan is to get together and increase knowledge regarding loans. You can get more information from your friends and colleagues who can require at different places regarding availability of flats and at what rates. Regarding home loans also you all can find out different information and each can get different quotes from the lenders. Now after all the information you can mutually select the housing finance institution that offers you home loan at cheapest rate of interest. There are many group benefits that all of your group members can avail and if the housing finance company is getting many new borrowers of this high amount like home loan they sure will bend their loan lending rates and also offer other perks for the group like free house use for few years or reduced administrative costs for all the borrowers of your group.

Friends and society members also can avail this offer and mutually decide upon the lending institution by their home loans. The lenders have nothing to lose as they have a wider margin of profits and you as a borrower can avail many benefits and save lots of money from your home loan.

Home Loan Offers Apply 04433044488 Low Interest Home Loans In Chennai

What are interest only home loans. ‘Interest only home loans’ means that the borrower ends up paying only the interest for some years and then the principle money is added later for years. 

This has risen as a better option for many who are not in position to pay large amounts as EMI’s in present years. Usually for homes loan in construction phase, you keep paying small money of interest.

                                                  

In this type of offer the lender gives amount to the borrower and the purchase deed is completed. The borrower becomes the owner of the house. Every month he has to pay a small amount that is interest to the principle loan amount. During later years, as   the construction progresses and the housing complex is ready  he has to pay the interest along with large sums of the principle amount. This option may be better for individuals home loans who are highly qualified and have a new job and they know that over the years their salary is going to increase with their experience. So they can pay smaller amounts in present years and later on be prepared to pay larger sums to complete the loan repayment. 

The interest rates of home loans option may  also be very problem as no one can predict about later years. The large amounts of money as loans later on can be very difficult to pay back and one may end up in financial tight spot. Some people also take this type of home loan if they are confident about the price rise of their property. They can pay the interest amount and later as the value of their house increases they can sell this and make profit as well as pay the larger loan amount.

Though a boon to many there are certain risks every individual has to take before going in for an interest only home loan. Their job stability may not be guaranteed over the years and only those individuals who are very confident about their financial growth must go in for such type of loan. Also the property value may drop or remain same so the individual may end up paying more than they actually paid for the purchase of the flat some years back.

Low Interest Home Loans in Chennai

Best Home Loan Scheme 04433044488 Documents Required For Home Loan

When we think taking a home loan the impression of creating several rounds of the financial institution or bank is that the image created in our minds. we repel with the thought of convincing the authorities of our financial status and also the capability for repayment. However this can be not forever. If we will get previous information regarding the documents and procedure needed for taking a home loan it would ease out several difficulties and make the process of purchasing a home a more pleasant one.

The salaried class are the ones which can get loans easily as they have their pay slips and work experience records that can help to show their financial standing in the society. Assurance of the required amount as salary is a important assurance for the financial institutions or private lenders to approve of the loan amount.  People working for a private company or government and getting regular monthly salary can be termed as salaried class. Preparing beforehand about the documents required for home loans helps the buyer to be prepared with the documents and also knowing the procedure helps to be prepared and enjoy the blessing of purchasing a home. A list of important documents required for the home loan application by the salaried class is given below in simple process

Age proof: The ration card or Pan Card Xerox can be used for age proof of the individual or borrower.

Address proof: Telephone bills or electricity bill Xerox can be used as proof of residence.

Income Proof of the applicant: Salary Pay slips Xerox can be used of previous few months as income proof.

Last 6 months bank account statements: Bank statements allow the lender to know the financial standing of the borrower.

Passport sized photographs of the applicant and the co-applicant: Recent photographs of the individual to prove the identity of the borrower.

These are list of documents and they may be financial different for different institutions. During processing one may require to share total assets for proving their repayment method. Some institutions also require document proof of at least two individuals who have a good financial standing in the society. These are reference who can be contacted in case of default or not being able to pay the installments on time.

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How to Get Home Loan Approved 04433044488 Non-Income Proof Customers

Income proof is one of the important document papers and factors to get your home loan approved. Any lender will ask for this important document to understand your incoming payment monthly and also your repayment capacity. What if you cannot prove your monthly income? This usually happens with the self employed or people who may take contracts. For such dealing there is no income proof as all this is done in payment. How can you go about getting a home loan in such conditions?

Your bank accounts will be big help here as your financial deposits assets and saving can be shown to the loan lenders. Your credit card is another trump card for you in such cases as your credit mini statement and credit card rating is a sure take to get your home loan approved. If you take contracts and pay your employees in payment then there will also not be any pay slips for this. Remember financial banks and lenders do not approve of hand written paper apy slips. You need to have a computer generated and signed pay slip. Here your bank accountant can give a letter, who takes care of your financial dealing in your business or any private chartered accountant can help. Any experienced chartered accountant can sign a verification document and approve of your income and expenditure by providing your income tax statements.

There are many lenders who are willing to offer loans without your income proof provided you can prove own of asset in form of property, investments like shares, gold, fixed deposits and insurance policies. You can also hire a financial banks or a finance company services who can help you to assess your financial capacity and position and then come up to a chalked out plan for getting your home loan approved. Remember if you have the dream of owning a home and repayment capacity you will get a home loan.

Where Can I Get Home Loans In Chennai 04433044488 Home Loan Borrowers

Home loans are available at a high rate of interest and the borrower has to pay back along with the principle amount the amount added as interest in the EMI. As the rates of property are very high so does the loan amount keep increasing and becoming larger and larger. With trends since many years regarding home loan borrowers it has been noticed that the intelligent borrower is always in a hurry to close down his home loan earlier than the repayment tenure in the home loan agreement.

Why is this trend going on and still all borrowers of home loans are waiting for any opportunity to close down earlier than the total repayment tenure date given in the agreement. Many times there is also a prepayment fees and penalty fees for closing down your home loan earlier than the predefined loan tenure but still people who have borrowed large sums as loan try to repay the loan earlier and as soon as they have extra funds or money in any form as bonus, increment or rise in salary.

Your EMI will have the principle amount along with the interest amount and this makes up the total amount of your EMI. Monthly, you as borrower of home loan have to shell out this amount regularly for say 15 to 20 years. So as the loan tenure progresses, so does the interest rate increase, and in the long run, this home loan becomes difficult for you to be committed for a large repayment amount. This not only creates undue stress but also sometimes becomes a burden to give away precious finances in way of interest to the housing finance company.

An intelligent borrower will first and foremost enquire about early prepayment and closing of the home loan and their terms and conditions. Before you commit to any housing finance company it is advisable to enquire about the prepayment and closure of loan rules and processing and penalty fees involved. Since most companies have a minimum 2% of extra fees this amount may vary from lender to lender.

As time will progress you may get additional bonuses and perks or unexpected rise and if you can collect the remaining home loan amount then it is best to repay your loan and take possession of your home documents at the earliest. You will not only save precious money which would have otherwise gone in terms of interest but you will also be free and have ownership title of your flat.

Housing Loan In Chennai Apply 04433044488 How Do i Save Tax

Every individual holds a dream in his life of owning his house without any other person owning it with him. To accomplish this dream for those who can’t afford to have their own house on their own go for various funding options. One of the options people usually go for is a home loan for the monetary funding for their houses. Home loans are the monetary funding granted by the bank/ financial institution/ NBFC to an individual for funding his need to purchase a new home against some terms and conditions. Now, many people are aware of the charges and the different things about home loan and what all to do. Yet, some people haven’t discovered the benefits they can avail when they go for a home loan. So, here are a few of the tax benefits by the government that an individual can avail while opting for a home loans inChennai.

Now, the tax benefit on the home loan is to be claimed while the repayment process of the home loan. The repayment process is bifurcated into two different things while availing the tax benefit, i.e.

· Repayment of the principal amount

· Repayment of the interest amount

We would be covering both the areas separately to have a clearer image of the tax benefit on the home loan. The first aspect we are going to show the light upon is the repayment of the principal amount.

REPAYMENT OF THE PRINCIPAL  AMOUNT :

The law which supports the deduction of tax on the repayment of the principal amount is the Section 80C of the Income Tax Act under which it is stated that the amount paid by any individual or HUF (Hindu Undivided Family) on the principal amount of the home loan out of it 1.5 lakh rupees should be deducted for tax benefit.

The deduction on the tax is available on the payment basis irrespective of the year for which the payment has been made.  Also not to forget, the tax that has to be deduced out of the repayment of the principal amount is allowed only after the completion of the construction of the home. No deduction of the amount will be made if the construction hasn’t completed. The person who is paying the loan can avail the benefit of the tax deduction of the interest paid at the time of the construction in 5 equal installments. Also, if the person who has taken the loan sells the property in 5 years then all the above deductions will be void.

Home Loan Application Apply 04433044488 Documents Required For Home Loan

Buying a home is one of the major choices a person has to take throughout his life. It's rare case to search anyone who pays the total cost of home loan. Taking a home loan is a long journey, so many stages are involves. The key to getting your home loan in a simple way is being familiar with the entire home loan process.

Best banker for taking a home loans in Chennai because he knows your credentials compare to other bank else . If your transactions are limited to general banking transactions, you can approach your branch for your requirement. Generally housing loan proposals banks are you can approach HDFC bank, LIC Housing Finance, KMB, YES bank , SBI and other nationalized banks.

Documents Required For Home Loan

There are different requirements for above mentioned categories when opting for a home loan. Depending on the category you fall in, listing down the required documents below.

Salaried Individual

·         Identity and Residence

·         Latest salary-slip

·         Form 16

·         Last 6 months bank statements

·         Processing fee cheque

Self-employed Professional

·         Identity and Residence Proof

·         Education Qualifications Certificate and Proof of business existence

·         Last 3 years Income Tax returns (self and business)

·         Last 3 years Profit/Loss statement and Balance Sheet

·         Last 6 months bank statements

·         Processing fee cheque

Self-employed Non-Professional

·         Duly filled Application form with photograph

·         Identity and Residence Proof

·         Education Qualifications Certificate and Proof of business existence

·         Business profile

·         Last 3 years Income Tax returns (self and business)

·         Last 3 years Profit/Loss statement and Balance Sheet

·         Last 6 months bank statements (self and business)

·         Processing fee cheque

Home loan is a term loan agreement between the bank and the borrower. Besides mortgage papers for land and proposed building to be constructed are required. Estimate for loan and salary/income particulars are verified by banks to ascertain eligibility. CIBIL rating is also searched to find out loan obligations of the borrower with other banks. We are Profession All Kind Of Loans Provider For Affordable Home Loan & Housing Loan. Get more information apply 04433044488.

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Home Loans are latest best offers at the low interest rate by different banks in order to fulfill your dreams. Home Loans can be availed by salary professional and self employed own based on an someone income which is calculated on monthly income proof for construction or purchase of dwelling units at village, towns and cities.

How to apply for step by step process for Home Loans in Chennai :

•             Home Loan Eligibility

•             CIBIL Score

•             Evaluate Interest Rates

•             Loan Application

•             Appraisal by Bank

•             Loan Sanction

•             Legal Evaluation of Documents

•             Valuation Check

•             Loan Agreement

•             Loan Disbursement

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Important Points:

1. you'll avail the service of representative of bank us will assist you throughout entire home loan method.

2. Original documents of the Property can stay with bank during home loan period.

3. If property worth is less than twenty Lacs then you will avail maximum loan equivalent to 90% of Property worth.

4. If property worth is more than twenty Lacs than you will avail maximum loan equal to 80% of property worth subject to your repayment capability evaluated by bank.

5. A CIBIL Score of 750 doesn't guarantee assured home loan approval. Home loan is approved supported multiple factors and perceived risk profile of the potential borrower.

6. Home Loan approval is only at the discretion of bank.

7. Home Loan method takes anywhere between 10-14 days to complete.