ਜੇਕਰ ਤੁਸੀਂ ਹੋਮ ਲੋਨ ਲੈਣ ਜਾ ਰਹੇ ਹੋ ਤਾਂ ਇਨ੍ਹਾਂ 5 ਗੱਲਾਂ ਦਾ ਰੱਖੋ ਧਿਆਨ

[{"selector":"#anim-f8031708-0050-44f7-ac11-fce27ba749f3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-84a8ce75-360f-4d6e-b389-7bd717d7faf5","keyframes":{"transform":["translate3d(0px, 64.86615%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] 19 Dec 2023 TV9 Punjabi

ਜੇਕਰ ਤੁਸੀਂ ਵੀ ਆਪਣੇ ਸੁਪਨਿਆਂ ਦਾ ਘਰ ਖਰੀਦਣ ਜਾ ਰਹੇ ਹੋ, ਤਾਂ ਤੁਹਾਨੂੰ ਹੋਮ ਲੋਨ ਦੀ ਲੋੜ ਪੈ ਸਕਦੀ ਹੈ। ਅਜਿਹੇ 'ਚ ਹੋਮ ਲੋਨ ਲੈਣ ਤੋਂ ਪਹਿਲਾਂ ਤੁਹਾਨੂੰ ਇਹ 5 ਗੱਲਾਂ ਯਾਦ ਰੱਖਣੀਆਂ ਚਾਹੀਦੀਆਂ ਹਨ।

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ਹੋਮ ਲੋਨ ਲੈਂਦੇ ਸਮੇਂ, ਤੁਹਾਨੂੰ ਆਮਦਨੀ ਸਬੂਤ ਦਸਤਾਵੇਜ਼ਾਂ ਦੀ ਲੋੜ ਪਵੇਗੀ। ਜੇਕਰ ਤੁਸੀਂ ਇੱਕ ਤਨਖਾਹਦਾਰ ਕਰਮਚਾਰੀ ਹੋ, ਤਾਂ ਆਪਣਾ ਜੁਆਇਨਿੰਗ ਲੈਟਰ, 3 ਮਹੀਨਿਆਂ ਦੀ ਤਨਖਾਹ ਸਲਿੱਪ ਅਤੇ ਫਾਰਮ 26AS ਆਪਣੇ ਨਾਲ ਰੱਖੋ।

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ਹੋਮ ਲੋਨ ਲੈਂਦੇ ਸਮੇਂ, ਆਪਣੇ ਏਜੰਟ ਜਾਂ ਬੈਂਕ ਅਧਿਕਾਰੀ ਤੋਂ ਆਪਣੇ ਲੋਨ ਦੀ ਮਿਆਦ ਦਾ ਵੇਰਵਾ ਜ਼ਰੂਰ ਲਓ। ਇਹ ਤੁਹਾਡੀ ਮਾਸਿਕ EMI ਨੂੰ ਪ੍ਰਭਾਵਿਤ ਕਰੇਗਾ

[{"selector":"#anim-74897d0c-9bd6-428f-8ae6-ffa86e6607d8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f5605d1f-defa-4fa2-9485-2bb91551b978","keyframes":{"transform":["translate3d(0px, 56.46783%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b4ea749-b0fd-4d04-99ca-a990089d7a4c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab47c7bb-3506-4a7d-ae04-5541b24e1242","keyframes":{"transform":["translate3d(0px, 116.91753%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bce65ae1-004a-4851-8f56-2b1d5b5ab791","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46a83dd7-7813-43fa-a321-f5330f291379","keyframes":{"transform":["translate3d(0px, 640.05825%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33e3308e-ed3f-49d5-a9f7-92d35361b4ed","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2ee50686-5e44-488e-bd20-2cb8ec7d463a","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 302.77791%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

ਹੋਮ ਲੋਨ ਲੈਂਦੇ ਸਮੇਂ, ਯਕੀਨੀ ਬਣਾਓ ਕਿ ਤੁਹਾਡੀ EMI ਤੁਹਾਡੇ ਬਜਟ ਦੇ ਅੰਦਰ ਹੈ। EMI ਦੀ ਅਦਾਇਗੀ ਕਰਨ ਵਿੱਚ ਦੇਰੀ ਜਾਂ ਡਿਫਾਲਟ ਤੁਹਾਡੇ ਕ੍ਰੈਡਿਟ ਇਤਿਹਾਸ ਅਤੇ CIBIL ਸਕੋਰ 'ਤੇ ਨਕਾਰਾਤਮਕ ਪ੍ਰਭਾਵ ਪਾਉਂਦਾ ਹੈ।

[{"selector":"#anim-7386dc31-ba98-43aa-a62a-b6358c1ee6fa","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71cb5361-0d3c-49e9-a457-97c6cf2c95e4","keyframes":{"transform":["translate3d(0px, 62.78362%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b12e7a61-18a9-482f-916e-7b93314e2bee","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3c522bf5-c35a-4ef5-96aa-7579b8a95d7e","keyframes":{"transform":["translate3d(0px, 130.46592%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3336aba3-fd2f-4f66-bac1-d8042bd350ae","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06fad67d-af73-4939-91b7-9571f0272aa5","keyframes":{"transform":["translate3d(0px, 716.37390%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-300112c9-e4a2-4dba-b259-7a75e652ea8a","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3ffd8bd8-4765-48c5-b9f6-790c37e481d7","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 327.77787%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

ਹੋਮ ਲੋਨ ਨੂੰ ਅੰਤਿਮ ਰੂਪ ਦਿੰਦੇ ਸਮੇਂ, ਤੁਹਾਨੂੰ ਆਪਣੀ ਲੋਨ ਦੀ ਰਕਮ ਅਤੇ ਇਸਦੇ ਵਿਆਜ ਦੇ ਵੇਰਵਿਆਂ 'ਤੇ ਧਿਆਨ ਨਾਲ ਵਿਚਾਰ ਕਰਨਾ ਚਾਹੀਦਾ ਹੈ। ਇਹ ਜਾਂਚ ਕੀਤੀ ਜਾਣੀ ਚਾਹੀਦੀ ਹੈ ਕਿ ਕਰਜ਼ੇ ਦੀ ਰਕਮ ਵਿੱਚ ਹੋਰ ਚਾਰਜ ਤਾਂ ਨਹੀਂ ਜੋੜੇ ਗਏ ਹਨ।

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ਤੁਹਾਨੂੰ ਆਪਣੇ ਹੋਮ ਲੋਨ ਦਸਤਾਵੇਜ਼ ਵਿੱਚ ਪੂਰਵ-ਭੁਗਤਾਨ ਖਰਚਿਆਂ ਦੇ ਵੇਰਵਿਆਂ ਨੂੰ ਵੀ ਨੋਟ ਕਰਨਾ ਚਾਹੀਦਾ ਹੈ। ਇਹ ਉਦੋਂ ਲਾਭਦਾਇਕ ਹੁੰਦੇ ਹਨ ਜਦੋਂ ਤੁਸੀਂ ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਕਰਜ਼ੇ ਦੀ ਅਦਾਇਗੀ ਕਰਦੇ ਹੋ।

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ਹੋਰ ਵੈੱਬ ਸਟੋਰੀਜ਼ ਦੇਖਣ ਲਈ ਕਲਿੱਕ ਕਰੋ

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ਜੇਕਰ ਤੁਸੀਂ ਹੋਮ ਲੋਨ ਲੈਣ ਜਾ ਰਹੇ ਹੋ ਤਾਂ ਇਨ੍ਹਾਂ 5 ਗੱਲਾਂ ਦਾ ਰੱਖੋ ਧਿਆਨ

ਹੋਮ ਲੋਨ

ਪਾਸ ਰੱਖੋ ਇਹ ਡੋਕਿਊਮੇਂਟਸ

Loan periods important

EMI

Loan Amount

Pre-Payment Charges

ਹੋਰ ਵੈੱਬ ਸਟੋਰੀਜ਼ ਦੇਖਣ ਲਈ ਕਲਿੱਕ ਕਰੋ

Iron ਦੀ ਨਹੀਂ ਹੋਵੇਗੀ ਕਮੀ,ਸਰਦੀਆਂ ਵਿੱਚ ਖਾਓ ਇਹ ਫੂਡਸ