SBI से भी सस्ता लोन दे रहा है देश का ये बैंक, आज से मिलेगा फायदा

देश का एक छोटा बैंंक अपने ग्राहकों को 16 नवंबर 2017 से 31 दिसंबर 2017 तक आवास कर्ज 8.25 फीसद की ब्याज दर के साथ मुहैया करा रहा है

नई दिल्ली (पीटीआई)। dated 16/11/2017 देश का एक छोटा सरकारी बैंक स्टेट बैंक ऑफ इंडिया (एसबीआई) से भी सस्ता लोन मुहैया करवा रहा है। देना बैंक ने 8.25 फीसद की दर से होम लोन देने की घोषणा की है। होम लोन की यह दर देश के किसी भी बैंक के मुकाबले सबसे कम है।

आपको बता दें कि सार्वजनिक क्षेत्र के प्रमुख बैंक एसबीआई ने नवंबर की शुरुआत में 8.3 फीसद की दर से होम लोन मुहैया करवाने की घोषणा की थी। यह उस वक्त की सबसे न्यूनतम होम लोन दर थी। लेकिन अब इस मामले में देना बैंक ने एसबीआई को भी पछाड़ दिया है। जानकारी के लिए बता दें कि देना बैंक की यह पेशकश रिटेल लोन कार्निवल का हिस्सा है जो आज से शुरू हो रही है और यह इस साल के अंत तक जारी रहेगा। ‘देना रिटेल लोन कार्निवल’ के तहत 16 नवंबर 2017 से 31 दिसंबर 2017 तक आवास कर्ज 8.25 फीसद से लेकर 9.0 फीसद ब्याज पर दिया जाएगा। बैंक ने कहा कि आवास ओर वाहन कर्ज को बढ़ावा देने के लिये ‘कार्निवल’ की शुरूआत की जा रही है।

मिलेगा कितने का कर्ज: इस कार्निवल के तहत 75 लाख रुपये तक का कर्ज 8.25 फीसद तथा कार लोन 9 फीसद सालाना ब्याज पर दिया जाएगा। हालांकि महिलाओं को वाहन के लिये कर्ज 8.9 फीसद ब्याज पर मिलेगा। देना बैंक ने कहा कि वह इस अवधि में कर्ज के लिये कोई प्रोसेसिंग फीस नहीं लेगा। बैंक की ओर से जारी किए गए बयान में कहा गया है कि कोई भी ग्राहक अपनी निकटतम बैंक शाखा में जाकर इस लोन के संबंध में जानकारी हासिल कर सकता है।

अगर आप 20 सालों के लिए 30 लाख तक का होम लोन लेने का इरादा बना रहे हैं तो होम लोन लेने से पहले जरा समझ और जान लें अन्य बैंकों की ओर से भी आपको कौन-कौन से ऑफर्स की पेशकश की जा रही है। जानिए अन्य बैंक कितने फीसद पर मुहैया करा रहे हैं लोन…

लेंडर फ्लोटिंग रेट ईएमआई (रुपये)  प्रोसेसिंग फीस
सेंट्रल बैंक 8.3% 25,656 0.50 फीसद (अधिकतम)
ICICI बैंक 8.35- 8.85% 25,751-26,703 0.50 फीसद
HDFC बैंक 8.35- 9.05% 25,751-27,088 0.50 फीसद या 3000 रुपये
कैनरा बैंक 8.35- 9.05% 25,940-26,320 0.50 फीसद या 1,500 रुपये
इलाहाबाद बैंक 8.5-9.00% 26,035-26,992 1 करोड़ के लोन के लिए 0.40 फीसद
बैंक ऑफ इंडिया 8.55-8.60% 26,130-26,225 0.25 फीसद
एक्सिस बैंक 8.35-8.85% 25751-26,511

(नोट: यह सभी दरें 10 सितंबर, 2017 तक के डेटा पर आधारित है।)

होम लोन लेने के दौरान ध्यान रखें ये बातें:

करें सही होमलोन का चुनाव: होमलोन की बढ़ती मांग को देखते हुए बैंक कई तरह के प्रोडक्ट ग्राहकों के लिए पेश करते हैं। बैंक तैयार प्रॉपर्टी, निर्माणधीन प्रॉपर्टी, सेल्फ कंस्ट्रक्शन, प्लॉट खरीदने, घर की मरम्मत और विस्तार के लिए लोन मुहैया कराते हैं। सभी तरह के लोन के नियम व शर्तें अलग-अलग होती हैं। जानकारी के लिए बता दें कि अगर आप पहली बार होम लोन ले रहे हैं तो पूरी प्रक्रिया व शर्तों को ध्यान से पढ़ ले। इसके अतिरिक्त बैंक मौजूदा प्रॉपर्टी के एवज में भी लोन उपलब्ध कराता है। इसलिए इसकी जानकारी लेना भी याद रखें।

आपके बजट के अनुरूप हो ईएमआई: ईएमआई वह पैसा होता है जो आप प्रत्येक महीने अपने लोन को चुकता करने के लिए अदा करते हैं। विशेषज्ञों का मानना है कि ईएमआई कुल मासिक आय के 40 से 45 फीसद से ज्यादा नहीं होनी चाहिए। वहीं, होम लोन पर प्रीपेमेंट का भी विकल्प होता है। साथ ही इसपर कोई भी प्रीपेमेंट शुल्क नहीं लगता है। यदि आने वाले समय में आपकी आय बढ़ने वाली है तो इस विकल्प के चयन से आप अपनी ईएमआई समय से पहले चुका सकते हैं।

Ready to move in flats in Jaypee Greens … Loans are allowed here on ready to move in flats in Jaypee Wish Town 

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Reasons behind the purchase your own home

Not at all like business property deals which include watchful thought of the cost and rate of profitability, are private homes for the most part purchased for passionate reasons. Making an effective private deal includes understanding this hidden reason and interfacing the deal to it.

Here are five enthusiastic reasons why individuals purchase homes:

1) Peace of psyche: Living in a leased space requires a steady income to pay the lease. This causes a stress for some individuals on the grounds that should something awful occur at work, as startlingly losing their occupation, at that point they may think that it’s hard to pay the lease. Such individuals would like to live in their own home with the goal that they have genuine feelings of serenity on this issue. If you are looking for such type of property you can go for Godrej Evoke villa at Greater noida.

Godrej Evoke Villa

2) Aspiration: Buying a house is an optimistic dream for some individuals. Their status in the public eye is improved when they tell others that they claim a house. They feel pride and sense of pride. Purchasing a house is an essential point of reference in their life.

3) Life Standard: Some individuals have dreams of a way of life that they are at present unfit to accomplish. Possibly they might want to practice consistently, however the possibility of driving through congested activity and chasing for parking spot is preventing them from heading off to the exercise center. A private complex that gives conveniences like shopping center, swimming pool or games zone may be exactly what they requirement for them to effectively carry on with their coveted way of life. Just like you can see these all facilities at Godrej evoke villa.

4) Keeping up with others:  Don’t chuckle. This is an essential explanation behind numerous purchasers! They see their companions and associates purchasing houses and discussing it constantly. They feel deserted; that every other person has proceeded in life with the exception of them. These could be first time house proprietors, or even experienced purchasers searching for a get-away or retirement home.

5) As a speculation: Finally, there are individuals for whom the buy is a venture. They don’t expect to live in the house, yet are getting it to lease or to offer at a benefit later on. These purchasers are most intrigued by the rental esteem and thankfulness capability of the area.

For any type of dealing related to the property commercial, Residential, Renting property you may get help of Real estate Consultant service. As a dealer, in the event that we can comprehend the passionate purpose behind the purchaser, at that point we can interface the property to their basic reason and increment the possibility of an effective deal.

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Jaypee Infra projects will go on: Noida Authority

The Noida Authority said on Saturday that in solvency proceedings against Jaypee Greens, Jaypee Infratech would not come in the way of construction work at its delayed housing projects, including Wish Town, reports Vandana Keelor. The authority’s assurance came as hundreds of angry homebuyers protested, and a section turned violent, breaking barricades and smashing glass panes at the company’s office in Noida.

Jaypee Greens

The announcement was made by Noida CEO Amit Mohan Prasad after a meeting with Jaypee Greens wish town, Jaypee Infratech managing director Manoj Gaur, senior officials from IDBI Bank, which has filed the insolvency plea at the National Company Law Tribunal (NCLT), and the interim resolution professional appointed by NCLT.

Sourced From :- http://timesofindia.indiatimes.com/ Dated :- 13-08-2017 .

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RBI reduces policy rate. Will your loan rates also go down?

MUMBAI, Aug. 3 — As expected on August 2, in the third bi-monthly monetary policy statement, the Reserve Bank of India cut the policy rate by 25 basis points (bps) from 6.25% to 6%. One basis point is one-hundredth of a percentage point. A look at what the policy announcement means for your money and what you should do.

LENDING, DEPOSIT RATE

The RBI seems to be unhappy with the current benchmark lending rate-marginal cost of funds-based lending rate (MCLR). During the policy announcement, RBI deputy governor Viral Acharya said, “The experience with the MCLR system introduced in April 2016 for improving monetary transmission has not been entirely satisfactory even though it has been an advance over the earlier base rate system.”

The central bank is all set to review this.

This is not the first time that the RBI is considering a review. All floating rate loans taken after April 2016 are linked to MCLR. Prior to MCLR, floating rate loans were linked to the base rate and before that to benchmark prime lending rate. There is a possibility that borrowers will soon see a new benchmark lending rate that will replace MCLR. However, this won’t happen immediately.

But what does a 25 bps cut mean for your existing floating rate loans on MCLR? “From a broader perspective, this 25 bps cut has already been priced in. Because if you look at the way banks have moved their deposit and lending rates, banks in a way have priced in this drop. There may be a marginal movement but I won’t expect any major movement,” said Shanti Ekambaram, president-consumer banking, Kotak Mahindra Bank Ltd. Analysts say that banks are likely to cut lending rates linked to MCLR further. If you are looking to take a home loan, compare rates in the market and also factor in other charges linked to the loans.

Meanwhile, banks have been cutting deposit rates. Recently, SBI cut savings account deposit rate to 3.50% per annum. Banks including ICICI Bank Ltd and Lakshmi Vilas Bank have cut fixed deposit rates.

“Banks have been dropping deposit rates, if you see in the last few months. Liquidity and demand supply will be the major factors that will come into play,” said Ekambaram. You can expect further cuts in fixed deposit rates.

DEBT

Mutual funds as well as debt funds have been factoring in this rate cut too. People investing now would do well to focus on shortterm funds, according to Lakshmi Iyer, chief investment officer – debt, and head of products, Kotak Mahindra Asset Management Co. Ltd. But don’t expect high returns from liquid funds. “Expecting high returns from duration funds from here on may not be a good idea. Steady returns from income-accrual funds is the way to go,” said Vidya Bala, head of mutual fund research, Fundsindia.com.

For any query with respect to this article or any other content requirement, please contact Editor at contentservices@htlive.com

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Source : MSN dated 3rd August 2017

Suggested projects: Jaypee Greens Noida project at Wish Town which is an integrated township with spread area approx 1162 acres of land where approx 6000 apartments are ready to move in. So here ready to move in apartments can be purchased by getting home loan from leading bank, public or private.

 

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RERA will raise confidence in sector, investments will flow

RERA will raise confidence in sector, investments will flow
RERA is the single biggest reform that will infuse the much needed trust in the real estate sector and bolster the longer term potential on real estate investments.
With the Real Estate (Regulation and Development) Act coming into force across the country from May 1, delays in project deliveries will come down sharply as developers rush to complete previously launched projects.In addition, with the act setting in motion the creation of a Real Estate Regulatory Authority (RERA) in each state by July 31, homebuyers and investors will now have greater confidence in making investments in property, which will improve the overall housing demand in the Delhi NCR markets, especially in the Noida and Gurgaon regions.

Though the act has come into effect from May 1, most states have not been able to implement it immediately and are even now notifying the rules and identifying an authority to act as a regulator in the interim. Realty projects that have not received completion certificates must apply for registration under RERA by July 31.

The act will bring nearly 83,000 registered builders in India under its purview and ensure that the interests of homebuyers are protected.

Developers and promoters say that better regulation and accountability will spur investments from foreign and domestic financial institutions. RERA’s focus on mandating disclosure of projects, including details of the promoter, project, land status, clearances, approvals, etc, and the timely delivery of projects will help increase the credibility of developers as well.

Both homebuyers and developers will be penalized for delays in payment and completion of projects respectively. Further, the act mandates the developers to deposit 70% of the project cost in a separate bank account to cover project development activity alone.

This measure will be substantial in ensuring timely completion of projects and act as a safeguard in the event of any delay, as it would limit diversion of funds for other projects by developers.

Jaxay Shah, president of Credai National, says: “The present RERA requirements fulfil all the niggling issues that had bogged down the sector earlier.Though the compliance burden is heavy, the act has provided the right impetus on ensuring that all due diligence, which all consumers may require, are fulfilled. This will go a long way in restoring consumer faith in the real estate sector.“ Manoj Gaur, vice-president of Credai, National, and MD of Gaursons Group, says: ith the implementation of “W this act, now all approvals will have to be in place and the agreement signed with buyers includes the interest and the penalty clauses laid down in RERA. Also, the statute now demands that the builder should mention carpet area also specify common areas and the parking areas separately. At the CREDAI level too, the apex body of developers is holding training sessions for developers to educate them on the changes expected in the new business environment.

Prashant Solomon, MD, Chintels Group, said, “With RERA the interest of buyers is going to be protected and expected to reinstate the faith of end users in the market as the fence sitters may begin to consider their options to buy while developers will focus towards being more transparent.“

R K Arora, CMD of Supertech, said: “The provisions under which RERA will function have been framed in a manner to regulate non serious players and create a level playing field for everyone. With the implementation of the act the interest of the end buyers will be safeguarded and it is expected that the fence sitters may begin to consider their options to buy while developers will persuade to exhibit their full cooperation.“

Rakesh Yadav, chairman of Antriksh India, says: “This act is aimed at protecting the interests of consumers, and also seeks to promote fair play in real estate transactions and ensuring timely execution of projects. With this act in place, every state will now have a regulator who will be continuously supervising and monitoring.Moreover, the projects will now be completed on time and developers will have to submit all the layouts, plans and documents with the regulator who will ensure transparency and hence, customers will feel more secure while transacting.“

Avneesh Sood, director of Eros Group, said: “With RERA implementation we are sure to find it encouraging towards building a better image for the realty sector.With the government concerned and showing direct intentions towards the sector, RERA will enhance the sentiments in the sector paving way for growth.Possessions are the hot cakes in the sector today and history of a developer in the near future would be judged on the possessions they have offered.“

Pradeep Aggarwal, chairman of Signature Global, said: “With RERA on board and implemented in full force, each state will have a regulator in place to safeguard the interests of the buyers and promote fair dealings in the sector. The hous ing demand in particular, will catch up momentum which will allow better performance of the sector. But, apart from everything else, the one thing that will infuse buyer sentiments in the sector will be of timely deliveries.“

Deepak Kapoor, president of Credai, Western UP, and director of Gulshan Homz, says: “The buyers of property market in particular had waited long for RERA becoming a reality which guarantees safeguarding of their rights and interests. The amendments are fair and developers have already started working on the lines because these will now pave way for a better demand and supply in the sector.“

Ashwani Prakash, executive director of Paramount Group, said: “The regulatory act has been able to arrest the uncertainty in the real estate sector, vis-a-vis the investors and end users. The mere passage of the bill had given a lot of clarity and made real estate dealings more transparent there by bringing the confidence in the investors and the end users. Once this confidence sets in completely with its proper implementation, the market is bound to grow at a steady pace.“

Gaurav Gupta, general secretary of Credai, Raj Nagar Extension, said: “We hope that it will infuse 300% more confidence in the buyers to buy their dream home. Once the Act becomes fully functional in each state, the teething problems will sure be addressed by the government in a practical manner as the intentions of the government is very clear towards protecting the interests of the buyers rather than to strangulate the sector. “ Dhiraj Jain, director of Mahagun Group, said: “RERA’s prime motive is to curb the irregularities persisting in the real estate sector and protect buyers’ interest. There are strict guidelines in the act against developers who are unable to deliver on time. But we cannot deny the fact that developers today are under severe pain of not getting the obligatory clearances and approvals on time; and if this continues then they’ll be axed for no reason. Thus, the government must ensure the passage of single window clearance, so as to allow the sector to work in a much systematic and organised manner, with full support for RERA as well.“

Source: TOI Property section Dated : 6th May 2017

Ready to move in apartments are also available in Jaypee Greens Wish Town , close to Noida Greater Noida Expressway.

jaypee-greens

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सिर्फ 32% भारतीयों के पास खुद का घरः होम फाइनेंसिंग का भविष्य अच्छा

नई दिल्लीः इंडिया मोर्टगेज गारंटी कॉरपोरेशन (आईएमजीसी) ने गुरुवार को अपने अब तक के पहले होम हंट (घर की खोज) सर्वेक्षण के नतीजे जारी किए. इसमें कहा गया है कि आज की तारीख में सिर्फ 32 फीसदी भारतीयों के पास घर है और इसीलिए आने वाले समय में होम फाइनेंस का भविष्य अच्छा है. होम हंट (घर की खोज) सर्वेक्षण एक वार्षिक रिसर्च सर्वेक्षण है. ये देश में हाउसिंग और हाउसिंग फाइनेंस से जुड़े ट्रेंड्स से संबंधित है. रिसर्च का मकसद भारत में घर खरीदने वालों की सोच, जरुरत और चिन्ता के बारे में अनूठी जानकारी मुहैया कराना है.

यह सर्वेक्षण कैनटर आईएमआरबी के साथ मिलकर देश के 14 शहरों (मेट्रो, मिनी मेट्रो और छोटे शहरों) में किया जाता है. आईएमजीसी होम हंट 1.1 रिसर्च में घर खरीद चुके और खरीदने की योजना बनाने वालें दोनों तरह के लोगों से आंकड़े लिए जाते हैं. आईएमजीसी होम हंट के नतीजे जारी करते हुए नेशनल हाउसिंग बैंक के एमडी और सीईओ श्रीराम कल्याणरमण और इंडिया मोर्टगेज गारंटी कॉरपोरेशन के सीईओ श्री अमिताभ मेहरा मौजूद थे.

सर्वे के मुख्य नतीजों से मिले संकेत

  • आईएमजीसी होम हंट के मुख्य नतीजों से यह खुलासा होता है कि देश में सिर्फ 32 फीसदी लोग खुद के खरीदे घरों में रहते हैं और 56 फीसदी निकट भविष्य में घर खरीदने की योजना नहीं बना रहे हैं.
  • हालांकि इस ट्रेंड में आगे जाकर बदलाव होने की उम्मीद है और इसीलिए हाउसिंग फाइनेंस सेक्टर के लिए बहुत अच्छी कारोबारी संभावनाएं बनती दिख सकती हैं.
  • इस सर्वेक्षण में भाग लेने वालों ने जो प्रमुख मुश्किलें बताईं उनमें लोन के ब्याज की ऊंची दरें (38 फीसदी), बचत न होना और उधार लेने की इच्छा न होना (38 फीसदी), प्रॉपर्टी की भारी कीमत (32 फीसदी) और लोन की पर्याप्त उपलब्धता (32 फीसदी) जैसे कारण शामिल हैं.
  • इससे संकेत मिलता है कि लोगों को जिंदगी की शुरुआत में घर के लिए पैसे उपलब्ध कराने की गंभीर जरूरत है. पहली बार घर खरीदने वाले शुरूआती भुगतान के लिए मुख्य रूप से निजी बचत पर निर्भर करते हैं. इसकी वजह से भी घर खरीदने में देरी होती है.
  • सर्वेक्षण में पता चला है कि ज्यादातर मामलों में किराए पर रहना और घर के शुरूआती भुगतान के लिए निजी बचत पर निर्भर करने से घर खरीदने में देरी होती है.
  • उल्लेखनीय है कि किराए पर घर लेने के मामले मेट्रो शहरों के 29 फीसदी की तुलना में छोटे शहरों में बहुत ज्यादा 37 फीसदी है. मिनी मेट्रो शहरों में तो यह और भी कम 23 फीसदी ही है.

गौरतलब है कि देश के कामकाजी युवाओं में तकरीबन आधे (46 फीसदी) अभिभावकों के साथ रहते हैं. किराए के और अपने घरों में रहने वाले (31 फीसदी) हैं. इससे अभी भी युवाओं की अपने माता-पिता पर आर्थिक निर्भरता का पता चलता है. कर्ज लेने वाले युवाओं के लिए ‘लोन हिस्ट्री न होना’ और ‘जरूरत का पैसा लोन में हासिल करना’ दूसरों की तुलना में बड़ी समस्या है.

यह डाटा इस बात का संकेतक है कि भले ही युवा कम उम्र में कमाने लगे हैं और वे घर के लिए कर्ज की किस्तें चुकाने में सक्षम हैं फिर भी शुरूआती भुगतान, डाउन पेमेंट के लिए पर्याप्त बचत नहीं कर पाते हैं. इस रिसर्च से यह बात भी मालूम होती है कि भारत में लोग घर के लिए शुरूआती पेमेंट अपनी सेविंग से करना चाहते हैं और 62 से 65 फीसदी लोग इसी पर निर्भर करते हैं.

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Source: abpnews.abplive.in

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HOUSING FOR ALL – Builders to help buyers get housing subsidy

The Union government has asked banks and financial institutions to join hands with private developers to expedite the disbursal of subsidies under the Pradhan Mantri Awas Yojana to the end users
M Venkaiah Naidu, Union minister of housing and urban poverty alleviation, said houses are being constructed mainly by the private sector, while launching the updated guidelines for the Credit-linked Subsidy Scheme (CLSS) for the economically weaker sections (EWS) and the low-income group (LIG) schemes.Naidu said that on this account, builders should also be roped in to disburse the benefit of the subsidies to eligible customers.

When a buyer approaches a developer to buy a house under any of the three schemes, the developers will help the buyer avail the subsidy, which is equivalent to around Rs 2.40 lakh.

Getamber Anand, president of Credai, said developers are ready and willing to provide all assistance to customers in this endeavour. He said banks and financial institutions are also forthcoming in disbursing the subsidies.

R K Arora, CMD of Supertech, says: “When a buyer comes to a developer to buy a house, the company will take the customer to a bank to avail the subsidy. We will play a proactive role to help buyers in getting the subsidy, as it is in our interest, too, to sell our units. A subsidy will certainly help us in marketing our units better.“

Till date, under the CLSS for the EWS and the LIG segments, an upfront interest subsidy of Rs 421 crore has been disbursed by NHB through 85 institutions, covering over 23,000 beneficiary households across 30 states and Union territories.

The updated guidelines for CLSS for EWS and LIG schemes were launched by Naidu, in which the maximum tenure of the eligible period for subsidy has been increased from 15 years to 20 years, for loans sanctioned on or after January 1, 2017, which has pushed up the maximum subsidy available under the scheme from Rs 2.20 lakh to Rs 2.67 lakh. This will further boost affordability among the vulnerable segments.

Prime Minister Narendra Modi, in his Address to the Nation on New Year’s Eve, announced the launch of a new interest subsidy scheme for the middle-income group (MIG). The scheme envisages extending interest subsidy to two categories of borrowers, namely, MIG I and MIG II.

MIG I households are defined as those with an annual income between Rs 6,00,001 and up to Rs 12,00,000 and MIG II households are defined as those with an annual income between Rs 12,00,001 and up to Rs 18,00,000.

The CLSS for MIG I and MIG II will be implemented, initially for a period of one year, with effect from January 1, 2017. However, Naidu said that it will be reviewed and could be extended further.

As per the terms of the scheme, beneficiary from the MIG would be eligible for an interest subsidy at the rate of 4% and 3% for MIG I and MIG II, respectively, for a maximum loan tenure of 20 years. The creditlinked subsidy is available only for loan amounts of up to Rs 9 lakh and Rs 12 lakh, for MIG I and MIG II, respectively, and additional loans above these limits will be at the nonsubsidized rate.

The interest subsidy will be credited upfront to the home loan account of beneficiaries, reducing the EMIs and improving affordability. The carpet area of houses should be up to 90 sq metres and 110 sq metres for MIG I and MIG II, respectively. The maximum interest subsidy benefit will be approximately Rs 2.35 lakh for MIG I and Rs 2.30 lakh for MIG II. Naidu said that recent developments in the financial sector, which lead to reduction in interest rates, coupled with various fiscal incentives provided by the government would further boost affordability and provide a big opportunity to the housing sector.

Naidu said that the central government is taking up the issue of reduction in stamp duty, particularly for affordable housing, to ensure uniformity in stamp duty structure. He also said the flow of interest subsidy benefits would not only just go to the bottom of the pyramid, but also to the middle of the pyramid.

Source : TOI dated 25/03/2017

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