+91 9810933600
0129-4013289

Home  |  About Us  |  Contact Us

 
Javascript DHTML Drop Down Menu Powered by dhtml-menu-builder.com
Whats New Rates to Rise if Prepayment Fee is Waived: Banks to RBI, RBI rate hike may shrink bank margins, LIC lines up Rs 30,000 cr for infrastructure play this year, SBI Mutual Fund launches Capital Protection Oriented Fund,
homeloan business b-b-r-cars
 
 

Home loan is a way, which brings you closer to your 'dream home'. If you are planning to buy a home but have no information about loans, do not panic. We are here to guide you at each step. Our informative guides, tips, FAQs, articles and extensive case studies will certainly help in getting a snapshot of housing loan market.

New customers

In case you have been planning to buy your dream home for very long and you are unable to do that because of the rising prices everywhere, here is some help for you. You can take a loan that will help you to buy your dream home. All you have to do is to save enough money to make the down payment of your home that is 20% of the home value. The remaining 80% of the home can be taken as a loan from a bank depending upon how much loan you are eligible for. The bank will decide how much loan you are eligible for depending upon your income and various other parameters. This home loan can be repaid to the bank every month as equated monthly installments or more popularly know as EMI over the entire tenure of the loan. A part of this EMI goes towards repaying the principal component of the loan and the other part goes towards paying the interest. The EMI is calculated on a reducing balance basis. A reducing balance home loan means that in the initial days of the loan, the interest component of the EMI is high as the loan amount is high. But gradually, when the principal amount starts becoming lesser and lesser as you keep on paying it through EMI, the interest component of the EMI goes down and the principal component increases.

Also, while you are going to take a home you need to decide, the type of interest rate you want to pay to the bank. The banks will offer you with an option of a fixed rate or a floating rate. A fixed interest rate for your home loan means that the interest rate is fixed for the entire tenure of the loan. But these days, most of these fixed interest rates come with a reset clause where the bank has an option to change the interest rate after a fixed period of time generally in a range of 3 to 5 years. There are also a few banks that give you a fixed interest rate for the entire term of the loan.

The other type is the floating interest rate home loan where, the rates will depend on the base rate of the bank. As and when the bank will change their base rate, the interest rate will change for the customers. The change can either be in terms of EMI or tenure. For example, if the bank increases their base rate, the EMI will increase if the customer chooses the option to increase the EMI. Or in case the bank decides to decrease their base rate then the EMI will reduce for the customer. Generally the floating interest rates are cheaper compared to the fixed rates.

Looking at the interest rate scenario, this is quite an appropriate time to buy the home you were always looking to buy. The interest rates are on a rising trend thus in case you can manage to get a home loan right now, you can expect to get a better interest compared to what you will get a few months down the line.

Existing customers

In case you have already bought a property and you are paying a very high interest rate, then you should consider shifting your existing loan from existing home loan lender to a new home loan lender. This will decrease the monthly EMI you are paying towards your loan and will save money for you. You should consider shifting from the old BPLR system where the interest rate changes according to BPLR to the new base rate system. The base rate system is more transparent than the BPLR system. Thus the effort you put behind converting youre your old home from the BPLR to the base rate system will be worth devoting.

Also you should act now as the interest rates are increasing and you may miss the bus in case you wait for any longer.

Home Loan: Eligibility

Home loan eligibility depends up on various factors. A few of them are listed below -

  • Income - Your income determines the amount of loan you are eligible for. Banks generally keep the EMI to income ratio at 0.45 to 0.50.
  • Tenure of the loan - The longer tenure you opt for, the more loan you are eligible for.
  • Interest rate offered - If your interest rates are on a lower side, then the loan eligiblity will be higer and vice versa.
  • Existing loans - In case you have any existing loans, then the loan eligiblity amount will come down to keep the EMI to income ratio around 0.50.

The lender will consider all these factors along with your credit history to determine how much loan you will be eligible for.

Post Your Comments / Queries:
Write Comments
Product:
Name:
Email:
Mobile:
City:
Comments:
Verify Code*
 
Comments / Queries Of Users:
 
Q :I want to buy a property? How much loan am I eligible for? Can I approach a bank for pre-loan assessment? I tried using the eligibility calculators but it seems that every bank has an independent approach to identify the loan eligibility of the individual.
by: Aspiring buyer On: 25-Nov-2011, Delhi
Loan Type :Home Loan
Re: Yes, you can approach the p bank of your choice and y find out your actual eligiy bility. You can also get your a home loan pre-approved by a the lender if you are not i sure whether it will be v sanctioned or not. But if o you do not zero in on a ( home within the sancd tioned period, you might c lose the processing fee y aid. As a thumb rule, if ou are below 40 years, ou should be eligible for round four times your net nnual income up to a maxmum of 80% (85% for flats alued less than R25 lakhs) f the cost of property agreement value + stamp uty + registration harges) for a tenure of 20 ears. Your total EMI including any towards any other loan repayments put together should not exceed 40-50% of your net monthly income. The figure can be higher if you are in a highincome bracket.
by: Admin On: 25-Nov-2011

Q :I bought a property for R27 lakh in Kolkata in December 2008. Subsequently, I invested R8 lakh for improvements and interior decoration. My total investment in the house is R35 lakh. I want to sell the property and reinvest the amount in another property in Mumbai due to a job transfer. Should I wait till December 2011 to benefit from the long-term capital gains tax?
by: Prakash Mitra On: 25-Nov-2011, Kolkata
Loan Type :Home Loan
Re: Yes, it is advisable to sell a property after holding it for three years, to reduce your taxes on capital gains made on its sale. If the holding period is 36 months or more in the case of residential property, the asset is treated as long-term and long-term capital gains are taxed at the rate of 20% after indexation of the cost of the property. Moreover, one can benefit from capital gains by investing in another residential property if the asset is longterm. Since you are planning to invest in another property in Mumbai, you will be able to claim the benefit of capital gains exemption under Section 54 in respect of capital gains earned on your property in Kolkata if you sell it at least three years after the date of purchase.
by: Admin On: 25-Nov-2011

Q :Once a home loan is sanctioned, what are the documents required by the bank from the builder for disbursement of the money under a construction-linked plan?
by: RT Malik On: 25-Nov-2011, Delhi
Loan Type :Home Loan
Re: The bank will require Demand letter from the builder Architect certificate for stage of construction for the new flat. Original NOC in bank's format Agreement for sale, Index II and payment receipts (in original) The bank will on its own verify the legal title and stage of construction. Not all banks are comfortable today with under-construction properties and may provide the loan only if the specific project is approved by them.
by: Admin On: 25-Nov-2011

Q :I want home loan. plz tell me details home loan for west Bengal
by: Bidesh kumar Mahato On: 17-Nov-2011, West Bengal
Loan Type :Home Loan
Re: We provide loans only for properties in Delhi/Ncr.Where is your property located.
by: Admin On: 17-Nov-2011

Q :I WANT THIS LOAN FOR PURCHASE A NEW HOME.
by: BIJENDRA KUMAR On: 16-Nov-2011, GHAZIABAD
Loan Type :Home Loan
Re: Ok.Our sales team will contact you soon.Have you purchased the property?If yes then in which project/city?
by: Admin On: 17-Nov-2011

Q :want to know about home loans
by: RAJ KUMAR CHAWLA On: 15-Nov-2011, delhi
Loan Type :Home Loan
Re: Please email us your query.
by: Admin On: 15-Nov-2011

Q :If you have cash in hand, is it still beneficial to take a home loan and to what extent?
by: Aman On: 13-Nov-2011, Noida
Loan Type :Home Loan
Re: Normally speaking, if you have surplus cash, you should not borrow money. The interest payable on a home loan is tax-deductible. So, there is an argument to say that the effective posttax cost is low. For example, at current interest rates of around 10.50% for customers paying tax at the highest rate of 30.90%, assuming the entire interest amount is tax-deductible the effective post-tax cost works out to 7.25%. However, there aren't too many low risk instrument options that will provide a post-tax return of 7.25% (for which gross returns again need to be 10.50%). Remember, PPF, which offers 8% post-tax, has an investment limit of R70,000 a year. Hence, in most cases, it would make sense to borrow less and use up as much cash as possible. A much better option is to use the facility of offset accounts (such as “Smart Home“ of HSBC, “Maxgain“ of State Bank of India, and “Home Saver“ of Standard Chartered) wherever you can keep the surplus cash deposited in the linked current account and save full interest and yet have the flexibility to withdraw the cash should the need arise.
by: Admin On: 13-Nov-2011

Q :Can a lender exercise discretion on whether it will transfer the home loan to another bank or not? I took loan of R17 lakh, offered at an interest rate of 10.25 % per annum but later the lender hiked it to 11.75% without informing me. Now, it is not heeding any request to lower the rate and won't send the property documents. What is the solution?
by: Naman On: 13-Nov-2011, Delhi
Loan Type :Home Loan
Re: Since you have taken a loan on floating interest rate, it is bound to change whenever there are changes in the base rate of the lenders -be it due to change in repo rates announced by the Reserve Bank of India (RBI) or for any other reason. Please refer to your agreement carefully; there must be some provision for revision of the rates by the banker from time to time. As far as your option to transfer your loan is concerned, yes, you can transfer your home loan from one lender to another. You should explore the option of changing your home loan lender if you have maintained a good track record of repayment on the existing loan. Please bear in mind that the new bank may charge you processing fee (many banks waive this for good customers) though you may not have to pay any prepayment penalty since the RBI has already indicated that banks will stop levying prepayment penalty on floating rate loans by the end of November 2011. So, if the current lender is charging you an interest rate in excess of 10.75%, you should shift to another lender who is likely to give you that rate and the shift may not cost you anything at all. The existing lender typically provides a letter addressed to the new lender providing a list of original documents available with him as a security and also agreeing to release the documents within a certain number of days after full payment is received. The letter will also contain an amount on payment of which the loan will be treated as fully paid off. You will need a good track record of timely payment of EMIs to be able to get a good offer from another bank to take over your loan.
by: Admin On: 13-Nov-2011

Q :I want to take a home loan.Which bank is offering the lowest rate of interest?
by: Mahender bahadur On: 12-Nov-2011, rampur
Loan Type :Home Loan
Re: Rates of all the banks is almost the same. You can apply with Hdfc.Their rate is 10.5% as of now.
by: Admin On: 13-Nov-2011

Q :I have a Rs 50 lakh housing loan from ICICI Bank. Suppose, I default on this, what is my liability? The bank will of course seize the property and sell it. However, if the bank does not recover full amount do I also have a personal liability. Can they lay a claim on my other assets?
by: RAJEEV BHATT On: 05-Nov-2011, Nashik
Loan Type :Home Loan
Re: The bank can take possession of the property and sell it off in order to recover its dues if the default persists for a long period. If the full amount outstanding on the loan is not recovered from such sale, the bank can still file a suit against you for recovery of the balance amount. In case of this unfortunate scenario, it is advisable for you to your sell off the property yourself in consultation with the bank and prepay your entire loan amount from the proceeds of the sale. You may have to pay prepayment charges to the bank for the foreclosure of loan. Please bear in mind that if you default on your home loan instalments, your credit history will show details of such delay and default, which in turn affects your ability to borrow from the financial system in future.
by: Admin On: 05-Nov-2011

Q :Recently HDFC Bank declined my two-wheeler loan application saying that I have bad credit history with CIBIL. I am going to buy a new flat, for that I require a home loan now. Will the CIBIL history affect here too?
by: AARAV GUPTA On: 05-Nov-2011, Delhi
Loan Type :Home Loan
Re: If your record shows irregularity in the Credit Bureau Records, it will continue to be stored there for the next 7 years. This has very serious impact on your ability to borrow from the financial system for a long time. Get a copy of your own credit report directly from CIBIL by paying a cheque of Rs 450/-. No lender is likely to give you a loan unless he is convinced of your c re d i t wo r t h i n e s s through some other means such as any movable collateral security. You can try and build your credit history by taking a secured credit card, FD's or loan against tangible movable security such as FD / jewellery / shares / units of mutual funds / life insurance policy with high surrender value etc where the lender can give you a loan despite your adverse credit report. By becoming regular in the repayments of such loan, you can gradually improve your credit history in CIBIL records and your ability to borrow in future. This is a very slow process and it will take at least a couple of years before your credit report gets repaired enough for you to be eligible for regular loan or credit cards.
by: Admin On: 05-Nov-2011

Q :I switched my home loan to Bank of Baroda on October 10, 2008, on floating rate of interest 9.75% per annum with monthly rests. The loan sanctioned was for . 9 lakh, but I asked for disbursement of . 8.88 lakh only. The current rate of interest is 10% per annum. I paid an EMI of . 19,012 from November 10, 2008, to September10, 2010, an EMI of . 20,000 from October 10, 2010, to May 10, 2011. Besides, I made prepayments of . 2 lakh on November 2, 2010 and . 50,000 on May 31, 2011. I would like to finish the loan by March 10, 2012. What is the balance loan amount at the current rate of interest and the EMI I have to to clear it by March 10, 2012
by: COL PS GREWAL On: 03-Nov-2011, Mumbai
Loan Type :Home Loan
Re: It is presumed that you have paid the EMI amount and also the amount stated as prepayment. If this is so, you have paid . 8.67 lakh to the bank so far against the disbursement of . 8.88 lakh. You can write to the bank and ask for a statement of account to know the exact outstanding amount as on date. The bank will also inform you about the present rate of interest being charged in the account. Since only a small amount is left, you will be able to clear the loan amount much before March 2012.
by: Admin On: 03-Nov-2011

Q :My wife is currently a housewife but may take up a job in the future. Can I add my wife's name in the loan application sometime in the future and can we both get tax benefits?
by: Ganesh Shetty On: 30-Oct-2011, Gurgaon
Loan Type :Home Loan
Re: In case your wife is not a coowner to the said property, she cannot claim tax benefits. To add her name as a property co-owner later on will have stamp duty implications. To add her name as a loan co-borrower will also entail closing the current loan where you may be the sole owner and borrower and file a fresh loan application. However, if you have not yet purchased the property and availed the loan you can still make your wife a co-owner and a co-borrower though she is not earning now so that she can claim the tax benefits once she starts earning. Yes, both of you can claim tax benefits.
by: Admin On: 30-Oct-2011

Q :I purchased a new flat two years back in Kalyan, Mumbai. But now I want to sell it and purchase a new flat at another location (I have taken a home loan of R15 lakh). Is it possible to buy new property by selling an existing one? What is the procedures and tax implications?
by: Suraj Mehta On: 30-Oct-2011, Mumbai
Loan Type :Home Loan
Re: Yes, you can sell your existing flat, but you will need the bank's consent. This consent letter will typically provide the amount, on payment of which the outstanding loan will be fully paid off and the bank will release the property documents. This amount includes the prepayment charge, if any, chargeable by your bank and should list the documents held by them that will be released on payment of the stated amount. This amount mentioned in the certificate is typically calculated as on a future date, to enable time for the buyer to arrange for the payment. If you sell a house within a period of three years from the date of taking possession, the difference between the cost price and the net price shall be treated as short-term capital gains and will be as your normal income and taxed at the rates applicable. In case you sell the house purchased within a period of five years from the date on which it was purchased with a loan and you had availed the tax benefits under Section 80C in respect of capital portion of loan repayment, the deductions allowed in respect of such property will be treated as income of the year in which this house is sold. Please note that there is no such provision of treating the interest benefits claimed earlier as income of a later year in which such property is sold.
by: Admin On: 30-Oct-2011

Q :I have a home loan from ING Vysya Bank. The loan was taken two years back. However, I had not taken a copy of the loan agreement from them. Can I now ask them to send me a copy of the loan agreement? How important is it for me to have a copy of the loan agreement?
by: Satya Shah On: 30-Oct-2011, Delhi
Loan Type :Home Loan
Re: The bank is actually required to send you a copy of the duly signed agreement on its own but it has clearly not done so. You can still ask the bank for a copy of the loan agreement. Please note that it is very important for you to have it so that you are aware of the terms and conditions of the loan and may need to have the same in case of any dispute in relation to any terms and conditions of the home loan.
by: Admin On: 30-Oct-2011

Q :I want to purchase home.
by: SURENDRA SINGH On: 24-Oct-2011, noida
Loan Type :Home Loan
Re: Our sales team will get intouch with you soon.
by: Admin On: 24-Oct-2011

Q :I had taken a home loan from Standard Chartered Bank in 2004. I am told now that prepayment charges on the outstanding loan amount are applicable. Do Ihave to pay for foreclosure?
by: Mithilesh On: 22-Oct-2011, Mumbai
Loan Type :Home Loan
Re: NHB (that regulates housing finance companies such as HDFC Ltd, LIC Housing Finance, etc) had issued a circular on doing away with pre-closure charges if paid from own source. There are currently no RBI regulations / instructions in this regard. Therefore, banks are free to charge the prepayment charges. A lot of banks, though, do not charge prepayment charges from own sources. You need to check your loan agreement copy to ascertain whether the foreclosure being charged is as per the agreement.
by: Admin On: 22-Oct-2011

Q :I need to buy land worth R15 lakh and build a house immediately. The construction amount will be around R10 lakh. Can I get loan for both plot and construction and can I get tax exemptions?
by: Sailesh Julka On: 22-Oct-2011, Delhi
Loan Type :Home Loan
Re: ou can take a composite loan, which is a loan taken for self-construction of a house. The loan is given to finance the cost of land as well as cost of construction of property on the plot. The bank will require documents such as proof of income, identity, residence for the home loans and documents relating to title of the property being purchased. You will have to submit an estimate of the total cost of construction, certified by an architect/civil engineer. The amount you paid for the plot or the current market value, whichever is lower, will be taken into account to work out the total cost of the project provided you commence the construction within a reasonable time after purchase of the plot. The bank will determine the home loan amount based on the total cost comprising construction cost and cost of the plot. The loan will be released in parts, based on the progress of the construction, and after you have brought in your full contribution. The bank may insist on sending its own technical personnel to assess the progress of construction or may rely on certificates/photographs submitted by you. Some banks are not comfortable funding self-constructed properties.
by: Admin On: 22-Oct-2011

Q :I have an education loan and a two wheeler loan and my income is R20,000 per month. How much home loan can I get?
by: Rakesh Tiwari On: 22-Oct-2011, Delhi
Loan Type :Home Loan
Re: Different banks presume that a certain portion of your income is available for payment of EMIs of loans. It varies from bank to bank and there is no standard norm/formula. Normally, however, the bank will assume that around 40%45% of your net salary is available for payment of EMI to serve all the loans. Hence, your existing loans will have an impact on your loan eligibility and the lender will calculate the eligibility based on the EMI being paid now and the room left to pay the EMI for the home loan. For example, if the existing EMIs on your educational and two wheeler loans are R6000 pm then the bank will assume that you can pay R3000 pm as EMI for the home loan (total EMI pay R9000 or 45% of the net salary) and calculate the home loan amount.
by: Admin On: 22-Oct-2011

Q :I am a single woman and have bought a house for R28 lakh at Andheri East, Mumbai, in my name. The flat is in a 32-year-old building, but is in good condition. I need a loan of R11 lakh. Which banks will give loan to a single woman?
by: Roshni Palekar On: 18-Oct-2011, Mumbai
Loan Type :Home Loan
Re: If your income is sufficient to justify the loan, you should not have any problem in getting a loan. The tenure of the loan and the availability of the loan itself depends on the physical condition of the property. However, as per the opinion of the engineers of the banks, the residual life of the property is more than or at least equal to the loan tenure, hence in my opinion you should not have any problem in getting any loan. However, a conservative lender may not grant a loan on an old property. There are no hard and fast rules about the age of the property for its eligibility to be considered for loan except that the residual life should be more than the loan tenure. Banks normally are wary of lending to a single borrower.
by: Admin On: 18-Oct-2011

Q :I have an outstanding loan on a 1BHK property, which I purchased 18 months ago in Uttam Nagar, New Delhi. Now due to space problem, we are planning to move to Shalimar Garden where we could get a 2BHK flat at an affordable price. Is it possible for my existing bank to transfer the same loan to another property without any further income proof documentation (as I never default on my payments). If not please tell me what I should do.
by: Mahesh Prasad On: 18-Oct-2011, Delhi
Loan Type :Home Loan
Re: There is no such thing as transferring the home loan. You will have to foreclose the home loan on your existing property if you want to sell it. You can get a home loan for your new property based on your income and credit history. Please bear in mind that foreclosing the loan may attract a prepayment penalty. If your income is sufficient to justify the loan, you should not have any problem in getting a loan for the new property. Please note that if you transfer your house within five years, the income tax benefits availed by you, in respect of principal repayment allowed to you under Section 80 C, will be treated as your income of the year in which you transfer your property. Also note that since you are planning to sell the property within 36 months from purchase, any profits from such sale shall be regarded as short-term capital gains and taxed as normal profits. Moreover, you will not have option of claiming exemption from such gains by reinvesting.
by: Admin On: 18-Oct-2011

Q :I bought a flat in 2007 against a home loan from a top bank. I am paying EMI regularly. I have heard that the RBI has instructed all the banks to waive pre-closure charges of 2% of remaining outstanding amount. Officials in my bank inform me that they are not waiving the charges as yet. Kindly confirm the same.
by: Ritu Singh On: 18-Oct-2011, Delhi
Loan Type :Home Loan
Re: The Annual Conference of Banking Ombudsmen in September 2011 merely recommended that banks should not recover a charge on pre-payment of floating rate loans. There are currently no RBI regulations/instructions in this regard, therefore, banks are free to charge for prepayment. Some banks, though, do not charge for pre-payment if the loan is prepaid from own sources.
by: Admin On: 18-Oct-2011

showing 1-22 of 22 comments.

 Latest News
HOME LOANS GET CHEAPER On:22-Apr-2012
How to Get the Best Deal when Home Loan Rates Begin to Fall On:25-Feb-2012
Reversal in Interest Rates is Unlikely till March End On:05-Dec-2011
KEEP DOCUMENTS READY, GET LOAN QUICKLY On:04-Dec-2011
Pre-EMIs on Loans On:03-Nov-2011
Banks See a Drop in Loans, Deposits On:03-Nov-2011
Rates to Rise if Prepayment Fee is Waived: Banks to RBI On:30-Oct-2011
Banks to get Rs 6K-cr more from home loans on rising rates On:18-Oct-2011
RBI seeks bank services reforms On:08-Oct-2011
Cheap Car Loans are Real, but Read Fine Print On:04-Oct-2011
New panel comprising LIC, IIFCL and IDFC to ease infrastructure funding On:04-Oct-2011
Home loan rate increase spooks realtors in city On:04-Oct-2011
It doesn't make sense to go for fixed rate home loans On:04-Oct-2011
Repo rate: Home, auto loans to cost more as Reserve Bank of India hikes rates, says bankers On:30-Sep-2011
 

 Latest Q&A
View Comments By Type of Loans
All Latest Comments
Q : I want to buy a property? How much loan am I eligible for? C...>> Read More  
by: Aspiring buyer On: 25-Nov-2011, Delhi
Reply : Yes, you can approach the p bank of your choice and y find o...>> Read More  
by: Admin On: 25-Nov-2011,
Loan Type: Home Loan
Q : I bought a property for R27 lakh in Kolkata in December 2008...>> Read More  
by: Prakash Mitra On: 25-Nov-2011, Kolkata
Reply : Yes, it is advisable to sell a property after holding it for...>> Read More  
by: Admin On: 25-Nov-2011,
Loan Type: Home Loan

 Subscribe Regular Newsletter
Your E-mail Here
 

 Apply Here

Product
Name
Email id
Mobile
City
Comment

 
 
Home  |  About Us  |   Contact Us

home loan, 9810933600, home loan calculator, home loan eligibility calculator, home loan emi calculator, home loan repayment calculator, home loan interest rates, home loans for hdfc, home loans for sbi, home loan from axis bank , home loan from pnb , home loans for lic, home loan for nri, home loans india, home loans icici bank, home loans sbi bank, home loans tax benefit, home loans terms and conditions, home loan balance transfer, home loan delhi ncr, home loan documents required, home loan comparison, home loan from nationalised bank, home loan news,home loans, home loan India, home loans India, housing loans, home loans calculator, current home loan rates India, home loan calculator India, best home loans India, home loans, home loan india, housing loans, housing finance companies india, home insurance india, home loan guide, home loans india, house loans india, house loans, real estate loan india, property loan, Indian property loan, residential property loan india, home equity loans, house equity loan, house mortgage loans, home loan types, home purchase loans, home construction loans, home improvement loans, cheap home loans, india housing loans, home loan rates india, home loan calculators, housing finance companies, home finance, Home Extension Loans, Land Purchase Loans, Stamp Duty Loans, Home loan for Resident Indians, Home Loan Tenure,NRI Home Loans, Home loan for Non-Resident Indians, Home Loan Providers, Home Loan Banks, Home Loan Tools, guide to home loan, house loan guide, nri insurance services, home insurance agents india, cheap home insurance, house insurance brokers india, home insurance and home loan in delhi, mumbai, gurgaon, Chennai, hyderabad, Bangalore, Kolkata, Chandigarh.