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Finance

Best Guide for Mortgage Loan Interest Rates in 2022

Mortgage loans can be of great use when you are in need of funds. These are secured loans taken out against an immovable property. The lender holds your property as collateral till the end of the tenor i.e. till the time you have repaid the loan amount. Unlike personal loans, mortgage loan interest rates are relatively lower and affordable, which attracts borrowers in huge numbers. 

Although the mortgage loan interest rate roughly varies between 8.25% and 15%, not all lenders offer the same rate. A lot depends on the type of lender you choose, the type of interest you opt for, your credit score, overall profile and ability to pay off the amount. 

All You Need to Know About Mortgage Loan Interest Rates 

With the Reserve Bank of India (RBI) promising to freeze most of the surplus liquidity, short-term interest rates are set to go up. Experts predict that the rate of interest on mortgage loans will be up in 2022, but for now, borrowers can make the most of the current rates. You can either opt for a fixed rate or a floating rate, whichever seems convenient. 

Fixed Rate

A fixed-rate of interest rate refers to an unchanging rate charged on a liability. It may apply throughout the tenor or a part of it but remains constant.

Floating Rate

A floating or variable rate of interest changes with the lending rate. When you opt for a property loan at a floating rate, a change in the base rate due to market fluctuations will subsequently change the actual lending rate.

Get in touch with your lender to understand both the aspects of mortgage loan interest rates before choosing one. 

Why Use a Mortgage Loan Calculator

Using a mortgage loan calculator to evaluate interest rates is a good idea, as it gives you a fair idea of the amount you will be paying every month. It is an online tool that lets you calculate your EMIs in an instant. Here’s why you need one:

  • Saves you time – Calculating monthly EMIs can be tedious, but an online calculator only takes a few minutes.
  • Accurate results – When using a calculator, you can rest assured that the results will be accurate and free of errors.
  • Helps in financial planning – With such a tool in place, you know exactly how much needs to be paid and plan your finances accordingly.

The mortgage loan EMI calculator follows a mathematical formula to give you accurate results. All you have to do is enter three essential details – the principal amount, interest rate, and tenor. 

Thus, EMI = P[r(1+r)^n/((1+r)^n)-1)]

Here, P stands for Principal

R = Rate of interest

N = Loan tenor

How to Apply for Mortgage Loan

Lenders provide you with two options when it comes to applying for a mortgage loan. The first option is applying offline by visiting the lender’s nearest branch for paperwork while the second option involves submitting an online application through the lender’s website. In these times, applying online is most certainly the better option.

Here are the steps to apply online:

  1. Access the application form on the website and enter all your details. This includes your name, place of residence, income and property details.
  2. Wait out as an authorized representative of the lender connects with you for quick verification.
  3. Submit your documents after initial verification. This includes your identity and address proof, employment record, income tax returns records, property papers, etc. 
  4. Once all the documents have been checked and your application approved, the lender’s representative will evaluate the mortgaged property to eliminate any legal disputes or discrepancies. 
  5. If everything goes well, the lender will sanction your mortgage loan and initiate the disbursal process. Once that is done, you will likely have the amount transferred to your bank account in less than 72 hours.

The online mode of application is undoubtedly an easier alternative. Not only does it save you from the hassle of physically visiting the lender but also speeds up the whole procedure. Now that you know how to apply for mortgage loan, you can access the respective lender’s website anytime from anywhere. 

If you are planning on taking a loan against property in the coming months, be sure to compare mortgage loan interest rates offered by different lenders in the year 2022. Sign on the dotted line only when you have understood all the terms and conditions and are comfortable paying the EMIs as per your capability. 

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