For Home Loans in Mumbai, Call Now: 8652288515

The HDFC Advantage:

Pioneers of Housing Finance in India with over 33 years of lending experience.
Widest range of Home Loan Products.
Most experienced and empowered personnel to ensure smooth & easy processing.
Counseling and advisory services for acquiring a property.
Loan from any office for purchase of home anywhere in India
Loan approval even before a property is selected
Flexible loan repayment options
Free & safe document storage.

Home Loans Features & Benefits

Home Loan – Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly. HDFC finances up to 80% of the cost of the property (including the cost of the land) based on the repayment capacity of the customer.

Home Improvement Loan – The interiors of any home reflect the personal preferences and tastes of its owners making it imperative to constantly upgrade to keep up with changing times. HIL facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminum Windows compound walls and much more. HDFC finances up to 85% of the cost of improvement. This is however subject to 80% of market value as assessed by HDFC.

Home Extension Loan – HEL for adding more space to your existing home for meeting the requirements of your growing family be it an extra bedroom for your children, a reading room for yourself or a cozy coffee corner. It is easy to extend your home anyway you like. HDFC finances up to 85% of the cost of extension. This is however subject to 80% of market value as assessed by HDFC.

Land Purchase Loan – Be it land for a dream house, or just an investment for the future, HDFC Land Purchase Loan is a convenient loan facility to purchase land. HDFC finances up to 80% of the cost /value of the land (Conditions Apply). Repayment of the loan can be done over a maximum period of 15 years.

Choose from Fixed Rate or Floating Rate with options to structure your loan as Partly Fixed or Partly Floating.

Flexible repayment options to suit your individual needs.

Loan cover Term Assurance Plan – HDFC Standard Life Insurance Company Ltd. offers an insurance plan*, which is designed to ensure that life’s uncertainties do not affect your family’s interests and your precious home. LCTAP provides a lump-sum payment on the unfortunate demise of the life assured.

This pure risk plan is designed in a way that the cover decreases as you repay your home loan making it a low cost premium insurance plan.
*Insurance is the subject matter of solicitation.

Automated Repayment of Home loan EMI – You can give us standing instructions to repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and tracking post-dated cheques.

HDFC also offers In-house scrutiny of Property documents for your complete peace of mind.

Duration : 0:1:7

(more…)

Technorati Tags: bank home loan mumbai, buying home in mumbai, HDFC Bank Mumbai, HDFC Home loan mumbai, Home Loan Mumbai

Lets say you have $5000 coming in per month, how much is a safe amount to spend on a mortgage, while still saving some for car payments, other loans, insurance, groceries, emergencies, etc? My dad said a 1/4 of your net income is a good idea per month to spend on your home payments…agree? disagree?

Your father is exactly correct! Listen to him! The people on here that recommend, 33% as a mortgage payment are also the ones who have contributed to the mortgage crisis in this country today! 33% of your net income is too much. It doesn’t leave you any buffer.

Our Little community of rocky point has experienced an incredible ride. It has become known internationally as a tourist destination that will continue to develop into the future. The majority of the impressive growth has been led by the sales of condos, single family homes, and even raw land. There are several strong indicators that the positive growth cycle will continue, placing us on even more radar screens. Simply ponder the amount of time and money put into studying growth trends; market futures; and touristic patterns, by any major hotel group when looking to invest millions in a new destination market. Now think about these researchers representing the Marriott hotel group. The Marriott Penasco Bay is a 28 story 265 room four diamond resort. This is such a huge statement as they obviously didn´t choose Puerto Penasco overnight, or without knowing something. The feasibility analysis done by an empire like Marriott looks into so many aspects of the demands of seasoned first class travelers, that if Penasco was not positioned for stardom we would not see their logo on our horizon.

Another impressive indicator of international success is the selection of Rocky Point has a major home port for several large cruise ship companies. Representatives from cruise lines like Holland America, Princess and Carnival have all been here, and Mexico´s federal government has approved Rocky Point as a major hub in a joint effort as the result of many discussions among the experts. We have been receiving a lot of attention from the leaders of Mexico and many of Mexico´s most prominent investors. Obviously now, investors from all over the world have been watching Puerto Peñasco, Mexico.

Studies indicate that the future looks bright here because Rocky Point sits less than four hours from several major U.S. metropolitan areas with proven retirement markets. Take the similar climate to those already respected, retirement magnates add our beautiful beaches and lower cost of living and one starts to see where the excitement is coming from. The huge number of soon to be retirees speak volumes in terms of future demand. This group of over 25,000 people a year is an astounding number looking to retire. Between now and 2025, there will be a baby boomer retiring every 16 seconds. While 2030 will be the peak year of boomer retirement, the first year of baby boomers (born in 1946) turn 62 this year; many of which are now retiring and taking advantage of a record level of leisure income. Many of these people will look to the beaches of Mexico to spend their golden years. The draw of rocky Point is that it is one of the few superb beachfront markets that will support both drive-in traffic and air travelers. There are many dynamics of this that will lead to a surge in retirees. To many, the close proximity to large U.S. cities, where they can go to monthly appointments or various hometown cultural events is important. The airlines will allow other family and friends ease of access. Many have already discovered that while the healthcare system in U.S. continues to struggle, Mexico´s healthcare is rapidly accelerating into one worth the trip south. One can expect the advances in Mexico´s healthcare to continually draw visitors south more and more. With insurance providers now servicing so many from the north, more large companies will enter the market, and the cycle here will continue to expand as the international audience grows.

About ten years ago there were no condo projects with more than 100 units. In 2000 there was only one project of any large scale. This all changed, and now Sandy Beach alone has about 3,000 condos sold, and over 30 condo towers have been completed. The feeding frenzy was wild and we enjoyed a great cycle as the town morphed itself into a resort destination. Then, because the economic situation affecting so many investors, we shifted into a buyer´s market. It would be irresponsible to say that the correction period has fully completed its course as no one has found that crystal ball yet. It would however be safe to say with confidence that there are some great bargains to be found in the Rocky Point area. Plain and simple, there are people that need out. Much like the buyer´s market sought after by successful investors in so many U.S. communities, we are ripe for the next phase of our cycle. There are properties in every market segment that are priced many thousands of dollars below the ¨List Prices¨. You just have to know how to find those bargains. It truly does come down to representation. Who is representing you? In Mexico, like in the United States, there is a National Association of Realtors. In the last few years we have come along way in regards to communication, ethical practices and working on the development of an MLS system. It is because of this and our mandate that all of our members are licensed, that we have been welcomed into NAR, the same international organization you would likely seek for representation in the U.S. In order to truly guarantee satisfactory representation you need to secure the representation of an AMPI professional. AMPI agents are NAR Realtors, registered at the state level, and are the only real estate association endorsed by the federal government.

Historically, Rocky Point Real Estate is one of the safest investments you can make as it is scarce by nature. No more land will be created. Even more scarce is land found near the beach. This is way in the long term, Rocky Point is destined to be an international real estate success story, and the big money is already starting to see the opportunity.

There are new improved mortgage money programs with reasonable rates allowing people to take advantage of the current opportunities. Some people are turning self directed IRAs into real estate investments in and around Rocky Point. Others have chosen to split ownership on properties with friends, family members or other investment groups. There are even reverse mortgages out there allowing homeowners to simply turn equity from one home into equity in another. If one truly wants an investment that they can enjoy Puerto Peñasco is certainly a worthy alternative to the less than predictable stock market.

Within a year, an international airport will be open in Rocky Point and a new costal highway will extend south and east from Tijuana , through Rocky Point, to beyond Guaymas. These geographic factors alone will bring many thousands of new visitors to this area, and a profound positive influence on the economy. Rocky Point is a great place for anyone interested in owning a second home or a secure investment that allows one to stay at and enjoying their portfolio.

Author: RealtyExecutives Mexico

Steve Schwab
http://www.articlesbase.com/real-estate-articles/major-indicators-bright-future-of-puerto-penasco-717924.html

(PART 1 AT THIS LINK) http://www.youtube.com/watch?v=ybKI24JYNSw
Why would, almost non-yielding Treasuries, be a safe haven, when the government is broke? We would guess that, when a US dollar collapse comes, that owners of such bonds, notes and bills would like to lose equally what everyone else holding these debt instruments loses. We call it a commitment to stupidity. Those that see the folly in such action switch their cash flow to commodities, gold and silver. From a rational point of view such a switch is logical.

Needless to say, central bankers, government bureaucrats and politicians get upset when investors engage in such alternatives and proceed to manipulate markets to their own satisfaction to the detriment of the people. We have to wonder what is so attractive about owning debt that pays little or no interest? In order to avoid such a dilemma one must step out of the box and separate themselves from the investment sheeple.

Over the past three years the Federal Reserve has purchased $2.25 trillion of Treasuries, Agencies and mortgage bonds known as toxic waste. We have no idea what the cost of this debt was and what its current value is marked to market. All we know is the Fed has debt on its books of some $3 trillion that they admit too. The Fed operates in secret and when asked difficult questions about its operations it says it is a state secret. Fortunately the court system and Dodd-Frank have uncovered some of these…

http://theinternationalforecaster.com/

__________________________________________

http://www.infowars.com

http://www.prisonplanet.tv

http://www.infowars.net

http://www.prisonplanet.com

http://twitter.com/#!/realalexjones

http://www.youtube.com/user/TheAlexJonesChannel

SIGN UP FOR A MEMBERSHIP (FULL ACCESS to all files and content on PrisonPlanet.tv) https://prisonplanet.tv/signup.html
_________________________________________
The Light of the World,Movie(Full Length)
http://www.youtube.com/watch?v=HWO_peGaGvg

Duration : 0:15:6

(more…)

Technorati Tags: alan grayson, Alex Jones, amy2x, bailout, bob ivry, congress, Conspiracy, corporation, deposit insurance, dollar, Donald Rumsfeld, elizabeth coleman, fdic, FED, federal deposit insurance, Federal Reserve, Federal Reserve Protest, federalreserve, Financial, financial crisis, Government, home mortgages, Infowars News, Inspector General, mortgage, Occupy Wall Street, Prisonplanet, senate, senate floor, target, TAXPAYER, taxpayer money, treasury department, trillions, Wall Street, youtube

A reverse mortgage is a really great thing if you have lots of equity in your home, and you don’t have very much liquidated cash to enjoy your retirement. My mother had a house paid in full in Santa Barbara, CA but was living off of social security checks. I helped her get a reverse mortgage loan from Financial Freedom. Then she was living life to the fullest until she passed away 6 years later. My siblings were livid when they found out she got that loan, because they thought she would eat up their inheritance. But she sure loved life those last years of her life, going to the off-track horse racing, bought a new car, new hi-def tv, remodeled her kitchen with Viking appliances. So, yes it can be a very good thing. But you must remember that it is basically selling your house slowly back to a financial institution. If my mom would have lived long enough, my brother and sister (and me) would not have inherited a dime, but that was ok with me.

Anyways, you can find some info and resources about reverse mortgages here:

http://reversemortgageresource.blogspot.com

_____________

The real estate market is a highly volatile scenario, and you need to watch its ups and downs closely, in order to protect your properties in a low market. An extensive research of real estate in your area is required, to be in tune with the latest developments in the property market. To understand how you can protect your properties in a low market, it is important to look at the present market scenario first.

Today, the prices of properties are extremely high. The interest rates are continually rising, making it more and more difficult for the common man to step into this rapidly expanding market. If interest rates continue to rise at this rate, at some point of time the prices of houses will drop, as such high interest loans would go beyond the reach of the salaried people. Borrowers are more inclined towards obtaining loans with adjustable rates of interest (ARMs). First-time buyers are the ones that are most affected, as they usually do not have other assets to be able to build equity.

A recent survey indicates that about twenty five percent of houses purchased in the year 2005, were purely bought for the sake of investment. The number of such speculative purchases is on the rise. However, when the market reaches its peak, there will be a huge decline in prices. This decline will mainly affect the speculators who have been in the market anticipating profitable deals. Builders these days have overbuilt their properties to lure speculators. To sell their excess inventory, they will be forced to drop property prices. Another important factor is that of limited credit.

As interest rates rise, borrowers will face greater difficulty in procuring credit. With lenders being apprehensive of investing more money in the risky market, the total money available in the American economy for home purchase will shrink radically. With less money available in the financial market, liquidity in the economy goes down. It is a vicious cycle, with maximum impact on property prices. Even if property values dont go up, the market will have plenty of low cost starter mortgages.

To ensure that your property gets the best deal even in a relatively low market, make sure that you buy properties in prime locations with a constant demand. Instead of speculating, go for safe fixer-uppers that will be in demand even if the market rates go down. Another option of playing it safe in the real estate market is to go for old properties. By renovating such properties and giving them a face-lift, you can boost the property value substantially. You would be surprised to know that the profits you incur by selling renovated properties are many times more than the actual renovation costs. You can also consider overseas properties for investment.

To protect your real estate from declining values, there are several schemes available in the market, which ensure that you do not run into a loss in spite of low market prices. The extraordinary option of locking the price can be a great consolation for homeowners who dread the fluctuations in the real estate industry. The best part is that such schemes are available at reasonable rates. To be on the safe side, employ the services of an expert real estate agent.

Kris Koonar
http://www.articlesbase.com/non-fiction-articles/protecting-your-real-estate-in-a-low-market-103088.html