#SALE FOR HOUSE

[shiv100]

RBI guidelines for Home Loan

Regarding the issue of the late release of properties secured by home loans, the Reserve Bank of India has released guidelines. According to the RBI's statement, lenders are required to submit property documentation to borrowers within 30 days of the loan's completion date. “rbi guidelines for home loan” According to the RBI's most recent home loan guidelines, if a lender fails to serve the property document within 30 days, the borrower will be entitled to compensation at the rate of Rs. 5000 per day. 

The initiative's goal is to assist borrowers in getting their property documents back on schedule, as there have been a lot more complaints lately about property document delays.

Since its nationalization in 1949, India's Reserve Bank of India has dominated the country's economic policy decisions. The highest body overseeing the banking industry in India is the Bank of Banks. The RBI considers all of the economic factors that influence the different home loan guidelines and maintains their flexibility to accommodate the positive and negative economic effects that home loans have on borrowers.

Repo rate

The RBI's home loan guidelines resulted in a 25 basis point (bps) increase in the repo rate, which was previously 6.25 percent. Home loans have increased in tandem with an increase in repo rates, which is directly correlated with each other. The RBI has kept the repo rate at 6.50 percent in consideration of the inflation component. “home loan rules and regulations”

Ratio of loans to values

When a home loan is offered, all financial institutions, including banks and NBFCs, consider their lending risk in order to evaluate the loan-to-value ratio.

According to RBI home loan guidelines, the loan ratio for home loans can now be as high as 90% (below Rs. 30 lakhs) and as high as 75% (above Rs. 75 lakhs). It would be simpler for an individual to finance the purchase of a property with a home loan if the loan-to-value ratio was higher.

Advance fees

Prepayment penalties have been eliminated from RBI home loan guidelines in an effort to encourage borrowers to pay off their loans (with floating interest rates) before they are due, thereby lowering the tenor. In contrast to the previous 5% penalty of the loan amount, you would now be required to pay a 3% penalty if your loan has a fixed interest rate.

Facility for transferring balances

To assist borrowers in refinancing their home loans, the RBI's home loan guidelines have waived the foreclosure costs. A homeowner can now transfer their existing mortgage to a different bank in order to take advantage of cheaper interest rates. In this manner, the foreclosure costs will be waived for the borrower. “home loan rules and regulations”

Since its nationalization in 1949, India's Reserve Bank of India has dominated the country's economic policy decisions. The highest body overseeing the banking industry in India is the Bank of Banks. The RBI considers all of the economic factors that influence the different home loan guidelines and maintains their flexibility to accommodate the positive and negative economic effects that home loans have on borrowers.

Repo rate

The RBI's home loan guidelines resulted in a 25 basis point (bps) increase in the repo rate, which was previously 6.25 percent. Home loans have increased in tandem with an increase in repo rates, which is directly correlated with each other. The RBI has kept the repo rate at 6.50 percent in consideration of the inflation component.

It is crucial to verify your credit score prior to applying for a home loan that aligns with your financial obligations and requirements. Before considering any other factor, banks consider the CIBIL score when granting home loans. A high CIBIL score is typically greater than 750 and is directly correlated with prior loan payments made on schedule.

Tenor

Tenor

It's critical to determine your ability to repay the loan as a borrower before choosing a home loan term. A shorter EMI term could end up costing you money and becoming a burden for you. Banks and lenders typically advise their clients to take out a shorter term, but it is up to the borrower to decide which EMis term best suits their needs and circumstances. A home loan with a shorter tenor will have a smaller total interest amount owed to the lender, while one with a longer tenor will have a slightly higher total interest amount owed to the lender.

Qualification standards

The bank has the right to determine whether or not to move forward with a home loan application after verifying the borrower's eligibility in accordance with their own standards. A borrower's income, occupation, CIBIL score, EMI tenor, age, and other factors can all affect whether their home loan application is approved or denied. But the income or salary that the borrower has in their bank account is the most crucial string that a bank needs to hang onto in order to move forward with processing their home loan application. Your spouse's income as a co-applicant might help your home loan application along nicely. “home loan rules and regulations”

Processing charges

It is crucial to review the processing fees charged by the lender who provided you with the mortgage.  from lender to lender but the usual processing fee is up to 2% + GST. It could change.

A down payment

A larger down payment is necessary in order to reduce the interest that a home loan borrower pays on their EMIs. A down payment of 10% to 15% of the total home loan amount is required; the remaining balance must be converted into an EMl loan.

Documents needed

When submitting an application for a home loan with any bank or lender, the borrower must have certain documents. A lender's decision to approve or deny a home loan application is based on the accuracy or inconsistency of the borrower's supporting documentation. As a result, attaching accurate documentation is the first proper step in obtaining a home loan.

[astrolavas]

my piece for the @huntlowfanzine yay!! had such a blast working on this.

+ my polaroid design:

[villtura]

crimson flower

[moonstarbuilders]

Villas Projects In Chikkaballapur, Bangalore

[namchyoon]

It's mission complete!

PEACEFUL PROPERTY (2024) dir. Dome Jarupat Kannula

[thatqueergarbagerat]

For April Fools day, I want Dan and Phil to give a phouse tour of a house that is very, very clearly NOT theirs

[jomadis]

BAT NOCTURNE BAT NOCTURNE BAT NOCT--

Hatched this adorable little guy, and he's up in the AH rn!!! <33

[happyheidi]

“𝖯𝖾𝗋𝖼𝗁𝖾𝖽 𝗈𝗇 𝗍𝗁𝖾 𝗍𝗈𝗉 𝗈𝖿 𝖺 𝗁𝗂𝗅𝗅 𝗐𝗂𝗍𝗁 𝖻𝖾𝖺𝗎𝗍𝗂𝖿𝗎𝗅 𝗉𝖺𝗇𝗈𝗋𝖺𝗆𝗂𝖼 𝗏𝗂𝖾𝗐𝗌 𝖿𝗋𝗈𝗆 𝗒𝗈𝗎𝗋 𝗈𝗐𝗇 𝗋𝗈𝗌𝗒 𝗍𝖾𝗋𝗋𝖺𝖼𝖾, 𝗍𝗁𝗂𝗌 𝟪𝟧 𝗌𝗊𝗆 𝗋𝗎𝗌𝗍𝗂𝖼 𝖻𝖾𝖺𝗎𝗍𝗒 𝗂𝗌 𝗅𝗈𝖼𝖺𝗍𝖾𝖽 𝗃𝗎𝗌𝗍 𝟣𝟢𝗄𝗆 𝖿𝗋𝗈𝗆 𝖲𝗉𝗈𝗅𝖾𝗍𝗈. 𝖳𝗁𝖾 𝗍𝗁𝗋𝖾𝖾 𝖻𝖾𝖽𝗋𝗈𝗈𝗆, 𝗍𝗁𝗋𝖾𝖾 𝗌𝗍𝗈𝗋𝖾𝗒 𝖼𝗈𝗎𝗇𝗍𝗋𝗒 𝗁𝗈𝗎𝗌𝖾 𝗂𝗌 𝗌𝗎𝗋𝗋𝗈𝗎𝗇𝖽𝖾𝖽 𝖻𝗒 𝖺 𝗀𝗋𝖾𝖾𝗇 𝗈𝖺𝗌𝗂𝗌 𝖺𝗇𝖽 𝗎𝗇𝗆𝖺𝗍𝖼𝗁𝖾𝖽 𝗍𝗋𝖺𝗇𝗊𝗎𝗂𝗅𝗂𝗍𝗒!”

𝗏𝗂𝖺 𝖼𝗁𝖾𝖺𝗉𝗉𝗋𝗈𝗉𝖾𝗋𝗍𝗒𝖾𝗎

[hometoursandotherstuff]

Gorgeous 1829 townhouse fixer upper in Philadelphia, PA has 6bds, 3ba. I hope a flipper doesn't come in and modernize the bejeezus out of it. It has 4 levels and is so historic, it had a little shop in front. They're asking $950K, but when it's done, it will be worth about $2 or $3M, I bet. Maybe more. (I hate the remodel next door, though.) Well, let's see what we've got here.

So, the entrance to the home is on the side, b/c of the shop in front. I would have to open something in that shop, if I had a house like this.

This looks like an original gas light outside.

This is so beautiful, it needs an expert in historic restoration. Look at the cupboards, the doors, ceiling, and brick.

Closet in the corner of the room.

Step down from the residence into the shop. Is this cute or what?

And, it has a little restroom with a marble backsplash. Look at the light switch- it's the old pushbutton kind.

Back in the residence, there's a lot of restoration needed. Don't forget that the house has 4 levels.

These walls must be restored. No drywall. It looks like someone already started to paint the ceiling.

Great fireplace in here. Ditch that paint, it reminds me of an old public restroom beige.

I wonder why they have bars on this door and a little window. Who or what was in there? I wouldn't mind taking that plaster off and exposing the brick, but that's an outer wall. I don't know if brick would be on the other walls.

Stairs to the 2nd level. Note the steepness.

A front room on the 2nd level has a fireplace and the outer wall is brick. This must be a sitting room. B/c of the shop, the living quarters would start on this floor.

Closet behind the fireplace.

Pocket door to the kitchen.

I think that this would be the dining room.

Then this would be the kitchen.

This may be where the stove would go.

There was a bathroom in the room to the right.

Got to be a bedroom with 2 closets.

Here we are on the 3rd level. Someone started to dismantle the house, but the buyer will have to finish it.

They stripped all the ceilings, and maybe they could stay that way. In this bedroom, they have a lot of doors that were removed.

So, 2 brick walls in here. This home is going to need so much rehab, I'm beginning to think that if it's done right, it could be worth as much as $5M, now.

The attic rooms on the 4th level.

We can see how bad the ceilings are and why they have to be torn down.

Now, this is the basement. There's even a fireplace down here. This could be stunning w/a bar, like a little speakeasy.

This is cool- there's a door to go out on the roof. I wonder if you could put up a pretty iron railing and make a deck.

https://www.zillow.com/homedetails/1221-Pine-St-Philadelphia-PA-19107/10196788_zpid/

[mercyandme007]

RIP House you would have loved saying "its not gay if you keep you socks on"

[shiv100]

DLF The Pinnacle Gurugram | Residential Projects in DLF Phase V Gurgaon

About DLF The Pinnacle

DLF At different price points, The DLF The Pinnacle flats in gurgaon provides move-in ready apartments. Each of its apartments offers the perfect balance of comfort and style, tailored to your preferences and fulfilling every need for a family's daily existence. Families have already started moving into the four-bedroom apartments that are for sale as part of this project! Learn about a few of the facilities offered by DLF the Pinnacle communal housing:

There are 288 units for sale in each of the four towers at DLF Pinnacle Phase 5, which have 19 floors each.

One of Gurgaon's best housing societies,DLF The Pinnacle, is spread across a vast 4.25 acres and offers all the amenities you need, specially designed to fit your lifestyle and budget.

Access to important locations in the vicinity, including Golf Course Road, IDFC FIRST Bank, and American Express, is excellent from DLF Phase 5.

More About DLF The Pinnacle

At DLF City Phase 5, DLF The Pinnacle flats in gurgaon provides ready-to-move-in homes. This project offers apartments in a range of price points and has successfully achieved the ideal balance between luxury and comfort; it currently has 4BHK units that fit this description.

Set on 4.25 acres, The Pinnacle was developed by DLF, one of Gurgaon's leading developers. The sizes of the available 4 BHK flat units range from 3868 square feet to 3950 square feet, and convenient access is provided by either Gurgaon-Faridabad Road or Golf Course Road. The Pinnacle's 288 units are already fully occupied as part of this project.

Numerous amenities are available at The Pinnacle, such as power backup, lift service, landscaped gardens, a swimming pool, and a multipurpose room. positioned close to some of the most elite suburbs in Gurgaon, which have first-rate medical facilities and educational institutions

DLF The Pinnacle DLF Phase 5 Amenities

An amazing opportunity to own a classy property with all the amenities, including access to tennis courts, sundecks, and spa services, is offered by DLF The Pinnacle in Gurgaon. As an added bonus, earthquake resistance is only available to DLF The Pinnacle residents! While satisfying all requirements, DLF The Pinnacle offers residents everything they need for a comfortable lifestyle.

Party Lawn That Is Vasta Compliant and Earthquake Resistant 

Basketball Court 

Tennis court, sundeck, and swimming pool

DLF The Pinnacle Location Features

One of the best places in Gurgaon to buy real estate is DLF Phase 5. boasting 14 housing developments in DLF Phase 5, as well as a few significant landmarks close to DLF American Express, IDFC FIRST Bank, Golf Course Road, and many other Pinnacle establishments make DLF Phase 5 a great neighborhood to live in! DLF Phase 5 provides a great living environment because of all the amenities nearby.

600 meters, sectors 42–43

International School Lancers, 750 m

Sector 53-54, 850 meters Paras Hospital, 1.2 kilometers Ernst & Young, 1.5 kilometers Shalom Hills International School, 1.5 kilometers Ardee Mall, 2.1 kilometers Delhi Public School, 2.3 kilometers MGF Megacity Mall, 3.5 kilometers Sunset Point, 3.2 kilometers Fortis hospital, 3.5 kilometers Oysters Water Park, and 4.2 kilometers

[hellenhighwater]

May I inquire as to where you found those dishes? They're lovely!

Everything I posted is either secondhand or something I made myself, so I can't be of much use. The plates are Sakura Galaxy pattern, if that helps you find them, and they also did white and green as well as the blue that I have. They're no longer made but I think maybe Target carried them once?

[heretherebedork]

This show makes choices based entirely on vibes I have never experienced.

[weirdlookindog]

Charles Addams - For Sale: Inquire Within

Dean Gitter's Ghost Ballads album cover, c. 1953.

[namchyoon]

home and peach stealing the blanket 🫶

[tortibomb]

Take a chill pill, girl.