Home Loan Agent
Who is home loan agent?
A person or a company who arrange home loan for their customers from bank and NBFCs is called home loan agent. Lots of document are required for home loan. Home loan is a lengthy process. Home loan agent helps their customer to ready all the documents and guide them to prepare their documents properly. They make the process very fast complete the job quickly.
Home loan agent in Kolkata:
There are many home loan agents in Kolkata. You can easily find them in internet. Most of them registered in Justdail, Quikr and Sulekha. You will find loan agent where you will by your flat or home also. Most of the flat broker became home loan agent. Even some small builders or promoters become home loan agent. Most of the loan agency in Kolkata works as a home loan agent.
Home loan DSA:
Bank and NBFCs are called their authorized agent as Direct Sales Agent or DSA. Here, home loan DSA is who authorized to sale home loan for banks and NBFCs. Home loan DSA is more organized and have good Knowledge in home loan Process than other agents.
Home loan DSA gets pay out from Banks and NBFCs on loan disbursement. Some DSA may charge additional consultancy fee from their customers whose loan amount is small.
Unauthorized home loan agents or brokers take high commission from their customer. It is around 2% to 10% on the loan amount.
How to choose home loan agents?
- Find out whether your home loan agents bank authorized or not.
- Try to visit bank with your agents.
- Authorized agents provide you complete documents list for loan.
- Authorized agents help you to prepare you documents but they don’t make false documents.
# More information regarding loan agent click below link
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Home Loan Services:
We are one of the leading organizations engaged in providing a wide array of Home Loan Services. Our clients are satisfied by our Home loan services because we provide them the correct information regarding day by day changing loan rates. Our expert team of counselors also helps clients with choosing right plan as well as offer time tested advices. These services are reliable & transparent with out any sort of hidden clauses. Our services are customized as per the specific demands of clients. Other than this, we also provide door step services to clients as well as help them get loans get sanctioned with utmost ease.
Home Loan Process:
The moment you decide to buy a home, you can put in your application for Home Loan. Yes, you can apply for a loan even before you have selected the property.
Home Loan Eligibility:
A number of factors are taken into account when assessing your repayment capacity. They are your income, age, number of dependants, qualifications, assets and liabilities, stability/ continuity of your employment / business.
Following are eligible to apply for Home Loan
• Salaried Individuals
• Self employed Professionals/Business men
• NRIs
To apply for Home Loan
• You must be at least 21 years of age when the loan is sanctioned
• The loan must terminate before 65 years subject to regular source of income.
• The maximum tenor is 30 years.
• You must be employed or self-employed with a regular source of income
Home Loan Documents:
The following documents needs to be submitted for Pre-Approval:-
Salaried Customers and Self Employed Businessman-
-Application form with photograph
-Identity and Residence Proof
-Last 3 Months Salary slip
-Proof of business existence
-Form 16 Last 3 years – Last 3 years Income Tax returns (self and business)
-Last 6 months bank statements
-Last 3 years Profit /Loss and Balance Sheet
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