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HOW TO CALCULATE LOAN ELIGIBILITY OF HL & LAP || What is LTV || What is FOIR || DOUBLE WHAMMY ||

HOW TO CALCULATE LOAN ELIGIBILITY OF HL & LAP ? ...

Calculating loan eligibility for Home Loan (HL) and Loan Against Property (LAP) involves considering various factors, including income, age, credit score, property value, existing liabilities, and the lender's specific policies. Here's a general guide on how to calculate loan eligibility for both types of loans:

Home Loan Eligibility:
Home loan eligibility primarily depends on the borrower's income and ability to repay the loan. Different lenders may have slightly different criteria, but the following factors are usually taken into account:

a. Income: Lenders typically consider both the applicant's regular income (salary, business income, etc.) and other sources of income (rental income, investments, etc.).
b. Age: Most lenders prefer borrowers between the ages of 21 and 60 years. However, this may vary based on the lender's policies.
c. Credit Score: A good credit score enhances your chances of getting approved and may also affect the loan amount and interest rate.
d. Existing Liabilities: If you have other ongoing loans or financial obligations, it could reduce your eligible loan amount.
e. Loan Tenure: Longer tenure may increase the eligible loan amount, but it also means paying more interest over time.

Loan Against Property (LAP) Eligibility:

a. Property Value: The loan amount is typically a percentage of the property's current market value. Lenders assess the property's value through their valuation process.
b. Income: Like Home Loans, your income is also a crucial factor in determining LAP eligibility.
c. Age: The borrower's age is considered, but some lenders may be more flexible with LAP compared to Home Loans.
d. Credit Score: A good credit score is still essential for LAP to ensure favorable loan terms.
e. Existing Liabilities: Your existing loans and financial commitments are taken into account while calculating LAP eligibility.
f. Loan Tenure: The loan tenure can affect the eligible amount, and longer tenure means lower monthly installments but higher interest paid over time.

It's important to note that different lenders may have varying policies and eligibility criteria.

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Loan eligibility
Home Loan (HL)
Loan Against Property (LAP)
Income
Age
Credit score
Property value
Existing liabilities
Loan tenure
Lender policies
Borrower
Market value
Secured loan
Unsecured loan
Financial obligations
Loan amount
Interest rate
Monthly installments
Online eligibility calculator
Personalized information.
ऋण पात्रता
होम लोन (एचएल)
प्रॉपर्टी ऋण (एलएएपी)
आय
उम्र
क्रेडिट स्कोर
प्रॉपर्टी का मूल्य
मौजूदा लियाबिलिटी
ऋण अवधि
ऋणदाता नीतियां
उधारनेवाला
बाजार मूल्य
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