Construction loan aur home loan mein farak, kitna loan milta hai, kaunse documents lagte hain, aur approval jaldi kaise hota hai.
Home Loan Aur Construction Loan Ka Farak
Ready flat ya banaa-banaya ghar kharidne par normal home loan milta hai, jisme paisa ek baar mein seller ko jaata hai. Apne plot par ghar banwane par "self-construction loan" milta hai, jisme paisa stage ke hisaab se release hota hai — foundation, slab, brickwork, finishing.
Iska matlab aapko har stage par bank ke engineer se site inspection karwana padta hai. Isliye approved naksha aur proper estimate hona zaroori hai.
Kitna Loan Mil Sakta Hai
Bank aam taur par construction cost ka 75-90% tak deta hai (plot ki value alag se count hoti hai agar plot pehle se aapka hai). EMI aapki monthly income ke lagbhag 40-55% se zyada nahin honi chahiye — isi se loan amount tay hota hai.
CIBIL score 750+ ho to interest rate behtar milta hai aur approval tez hota hai.
Zaroori Documents
Aam taur par chahiye: identity aur address proof, last 3 saal ka ITR ya Form 16, 6 mahine ki salary slip aur bank statement, plot ki registry aur mutation papers, latest property tax rasid, municipal-approved building plan, aur registered architect/engineer ka cost estimate.
Self-employed hain to business proof, GST returns aur 2-3 saal ki balance sheet bhi maangi jaati hai.
Approval Jaldi Karane Ke Tips
Sabse zyada file isliye atakti hai kyunki plot ke papers complete nahin hote — mutation pending, ya registry aur actual measurement mein farak. Loan apply karne se pehle yeh clear karwa lein.
Approved naksha aur ek detailed, item-wise estimate saath lagane se bank ka valuation process bahut tez ho jaata hai. Hum apne clients ko yeh documentation ready karke dete hain.
