Friday, 26 October 2018

Factors Affecting Home Loan Tenure



Most of the homeowners finance the colossal payment on home purchase through home loans. The two most important factors contribute much to home loans are

    Amount

    Tenure

The two factors are correlated. The major factors which affect home loan are

1 Age of the borrower
Younger people can get a home loan of higher loan tenure as they have many more earning years to pay back the EMI whereas for older people its difficult to get home loans of long tenure.

2. Income
Income determines one’s repaying capacity to pay back the loan. For one with surplus income, he has higher chances of getting approved a home loan of long tenure.

3. Age of the property
The residual life of the property directly influences the home loan tenure.

4. EMI
The lower the EMI higher will be the tenure.

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