As one of the primary needs for live, home is every people need to live in. Finding a new home is not an easy task to do. There are so many considerations we should think before decide the best home loan services for us. Nowadays, there are so many options for personal loan instant approval you can try to get the new home.
The price of home is increasing day by day and it makes people to save money more to get the new house. It seems difficult to save more than half of our salary per month to buy a new house by cash for an ordinary employee. Therefore, most people prefer personal loan which is more affordable and does not require any collateral.
Easy Steps To Get Home Loan
To get our dreamy house by loan, here are some easy steps you must follow:
- Finding the best house
The first step you have to do is finding the best home that fits to your dreamy house and budget. Firstly, you can visit the vendor or another home property office to find the location and the type of the house that they offer to us.
Or, you also can do simple survey directly to the location where you find the best house. When you’ve find the location, you may ask the vendor or the party that offer the home loan.
- Ask every detail of the home loan
Once you have find the best home from the location and the type, you must ask them about the detail price including; deposit money, monthly installment, and additional payment for additional facilities as your request. It is necessary to ask every detail of the price to avoid misunderstanding in the future.
- Book the home
Since you have agreed the price with the vendor, you must book the home. The amount of booking price may vary from one to another. Later, you also can continue with paying the deposit money with it.
- Register your home loan to bank
Currently, there are so many options offered by bank for personal loan instant approval. They will help you to pay the monthly installment for home loan. Usually, it takes some moment around 2-4 weeks to give the approval. You also need to submit some documents such as:
- Passbook
- Employment certification letter
- The latest 3 months’ salary slip
- Copy of ID card, family card, marriage certificate
Later, the bank will decide the amount of monthly installment that is depend on the price of the house and deposit money.
The Most Reason They Reject Your Home Loan
To get the home loan easier, you have to avoid below mistake as follow:
- You have more than 1 loan at the same time
- They find out your bad record for the bank loan or personal loan instant approval
- You are lack of deposit money
- Your working period is less than 2 years. Commonly, they require minimum 2 years working period with the employment certification letter.