Existing Home Loan Ke Saath Naya Home Loan Kaise Le: Complete Guide & Solutions

Existing Loan ka Status Check Karein

Sabse pehle apne existing home loan ka outstanding balance jaan lein. Agar loan regularly pay ho raha hai, to bank aapki creditworthiness assess karega.

Loan Eligibility par Effect

Banks aapke income-to-debt ratio (DTI) dekhenge. Agar existing loan ka EMI zyada hai, to naya loan approve hone me problem ho sakti hai.

Second Loan ke Options

Top-up Loan: Agar aapki property pe already loan hai, banks aapko top-up home loan de sakte hain, jo ki existing loan ke upar extra amount hota hai. Balance Transfer + Top-up: Dusre bank me loan transfer karke, extra fund naya loan ke liye le sakte hain.

Joint Loan Option

Agar aapka income kam hai, to spouse ya family member ke saath joint loan apply kar sakte hain, taki eligibility badh jaye.

Property Ke Type ka Dhyan

Agar property under-construction hai, top-up ya second loan approval bank ke norms par depend karega. Agar property ready possession hai, chances zyada hote hain.

Bank Verification

Bank aapke existing loan documents aur property papers verify karega. No dues certificate aur current EMI statement ready rakhein.