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Dewan Housing Home Loan finance company in the private sector in India – house financing

Posted on 29 July 2011

house financing – Dewan Housing Home Loan finance company in the private sector in India

Dewan Housing Home Loan finance company in the private sector in India

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Home Page > Finance > Loans > Dewan Housing Home Loan finance company in the private sector in India

Dewan Housing Home Loan finance company in the private sector in India

Posted: Aug 03, 2010 |Comments: 0
| Views: 148 |

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Established in 1984, Dewan Housing Finance Corporation Limited (DHFL) is the second largest housing finance company in the private sector in India. Over the years, DHFL has built up a considerable business portfolio with products such as Home loan, Home extension loan, Home improvement loan, Plot loan, Mortgage Loan Leased Rental Finance and Aashray deposit. DHFL Home Loans are offered to individuals, co-operative societies, corporate bodies and associations of persons. The maximum loan offered by DHFL can go up to Rs 1 crore and the home loan finances up to 85% maximum of the cost of the property. In the following lines, they have provided in detail analyses of DHFL’s home loan.

Determining Factors For Loan Amount

Repayment capacity
Age
Educational qualifications
Stability and continuity of income
Number of dependents
Co-applicant’s income
Assets
Liabilities
Saving habits

Types Of DHFL Home Loans

DHFL’s Home Improvement Loans are offered to individuals to facilitate renovation and repairing of homes. The tenure of the loan ranges from 1 to 10 years.
DHFL’s Home Extension Loans are offered to individuals, who want to extend the existing accommodation by adding a room/bathroom/kitchen/prayer room. The tenure of the loan ranges from 1 to 20 years.
NRI Home Loans are offered to Non Resident Indians (NRIs), who wish to purchase, construct, improve or extend their home. The tenure of the loan ranges from 1 to 15 years.
DHFL’s Mortgage Loans are for professionally qualified individuals, who are salaried or self employed. It is given against the mortgage of their residential property. The tenure of the loan ranges from 1 to 7 years.
DHFL’s Non Residential Property Loans (NRPL) is aimed at professionals such as doctors, chartered accountants, architects and solicitors among others. The loans would help them either buy or construct a property to operate their lines of business. The tenure of the loan ranges from 1 to 10 years.

Common Factors In All Home Loans

The maximum loan offered by DHFL can go up to Rs 1 crore, but not exceeding 85% of the cost of the extension.
The term however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for the self employed individuals).
Prepayment of the loan partly or fully, is permitted subject to payment of nominal fees / charges, as stipulated by DHFL.

Samarth (Home Loan For Self Employed)
This is a special type of home loan initiated by DHFL, especially for the self employed. One of the most ignored housing finance communities, self employed are a generally rejected lot, as they have variable monthly income (some months with no income at all) and even if they have the money, they do not have the necessary documentation to prove the same. As such, DHFL has pioneered a process, which facilitates the assessment of income through an independent source, other than the income tax authority.

Eligibility Criteria

The self employed person should be more than 18 years and less than 65 years of age.
The applicant is self employed /trader or engaged in service industry.
The applicant should have been in the same line of business for a minimum period of 5 years or should have inherited the business from parents.
The applicant should be able to contribute at least 40% of the total sum required.
Sales Tax Registration or any other registration of business required by statutory authorities / local laws is mandatory.
The business premises should be owned / inherited.
Business premises should not be on encroachment land without title to property or deviated in construction from approved plans.

To know more information on Home Loan & Dewan Housing Home Loan feel free to visit : http://www.rupeetalk.com/home-loan-india/

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Will the working class in India get pension and other pensionary benefits on retirement and whether this concept of pension shall be applicable to all even in private sector?
What are the reasons for the differences between the financial objectives of companies in the private sector and companies in the public sector?
A finance company just bought my friends house back because it was forclosed on and even though she filled out hardship paperwork,they say they never received them what to do to get house back?

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Tags: Companies, Company, Florida, Homeowner, homeowners, Insurance, Shouldn't, Upset

Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies – homeowner insurance company

Posted on 05 June 2011

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Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

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Home Page > Finance > Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

Posted: Jan 22, 2009 |Comments: 0
| Views: 276 |

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Not liking Florida home insurance companies is almost a habit in the sunshine state. After all, many companies bailed out on the state starting with Hurricane Andrew – something that has continued to this day. After the hurricanes of 2004 and 2005, more companies in Florida increased both their rates and the number of cancellations.

Now there are two distinct groups of homeowners insurance companies in Florida. The first group of companies consists of well known national names such as State Farm Florida, Allstate Floridian, and Nationwide Insurance Company of Florida among others. The second group consists of recently formed Florida based companies that have commenced operations in the past 15 years – many since the end of 2005.

In this brave new world of big companies leaving and new companies entering the Florida market, it is the second group of recently formed companies that we should be giving a break. Here’s why:

After the 2007 legislation as passed, many of the large national companies still went after large rate increases while the recently formed smaller companies reduced their rates in response to this legislation.

It is the more recently formed companies that continue to grow their business in Florida while the well known national companies continue to cancel Florida homeowners insurance policies.

The Florida start-up companies are willing to cover more of Florida’s older homes and properties along the coast – risks that the larger home insurance companies abandoned a long time ago and continue to scale back.

Finally, these newer insurance companies deserve an opportunity to grow their capital and to be allowed to expand in a responsible manner. They are our future if there is any hope of Florida taxpayers and policyholders avoiding massive special assessments that we could face if Citizens Property Insurance Corporation or the Florida Hurricane Catastrophe Fund ever come up short.

Some of the more recently formed companies have begun to expand their risks across Florida and into other states as well. Spreading out this risk is important and it will help minimize the chances of smaller companies running out of money after a large Florida hurricane.

Finally, the State of Florida needs to take a fresh look at how it approaches requests for rate increases. The system is not working correctly at the present time – the larger companies exiting the state are still receiving higher rates or smaller rate reductions than the newer start up companies that are assuming a larger portion of Florida’s hurricane risk.

Companies that can demonstrate that they are growing their policy base and those that can show a track record of covering older and coastal homes should be permitted more pricing power and granted higher rate increases than the companies that are bailing out.

This is not to say that the newer start up companies are not without their own issues. They have opportunities to improve too – particularly with regards to customer service as they attempt to run with smaller staffs and use shared customer support centers.

However, the next time you are part of a discussion where hatred is being focused on all home insurance companies in Florida, be careful not to paint all of them with the same broad brush. Many of the newer companies are covering your higher risk homes, taking steps to reduce costs and your premiums, and assuming risks that used to be part of Citizens Property Insurance Corporation.

Give these newer start-up companies credit for helping all Floridians out during difficult times. The more companies like this that we can give birth to and grow into larger companies with adequate capital, the better it will be for Florida over the long haul.

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Michael Letcher is a former Fortune 500 executive and a licensed CPA. His on-line buyers guide can help you find low cost home insurance Tampa Fl. Find out the secrets to low cost Florida insurance in his free newsletter at =>
http://www.homeinsurancebuyers.org

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Does homeowners insurance cover tree removal ?
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Michael Letcher is a former Fortune 500 executive and a licensed CPA. His on-line buyers guide can help you find low cost home insurance Tampa Fl. Find out the secrets to low cost Florida insurance in his free newsletter at =>
http://www.homeinsurancebuyers.org

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Tags: Companies, Company, Florida, Homeowner, homeowners, Insurance, Shouldn't, Upset

Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies – homeowner insurance company

Posted on 28 April 2011

homeowner insurance company – Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

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Home Page > Finance > Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

Why You Shouldn’t be Upset With All Florida Homeowners Insurance Companies

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Posted: Jan 22, 2009 |Comments: 0
| Views: 275 |