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Home Loan Eligibility: Home Loan EMI, LIC Home Loan

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pankaj1

Most of the financial institutions in India offer home loan or housing finance for prospective borrowers under respective eligibility criteria which are mandatory to follow by all the prospective borrowers. There are many set of norms formulated by such lenders which require customers follow them in lawful manner so that the end process of sanctioning loan procedures could be facilitated without any hassle. Apart from eligibility criteria, submission of crucial documents is very important in order to facilitate the progress of loan sanctioning procedures of a bank in India. In addition, there are also some hidden costs including processing fees involved with such procedures that are mandatory to comply with to acquire of housing finance in India. Processing fee is non-refundable regardless of whether or not your loan is sanctioned.

Home loan eligibility criteria involve some considerations regarding the repayment capacity, age, and income plus credit score of borrowers. Such considerations are crucial as they ensure banks about trustworthiness and credibility of potential loan applicants. There are many instances in which borrowers can’t repay the entire loan amount due to insolvency. This is the reason that most banks in India require deposit of collateral or security to get housing finance. In this context, you can pledge your new home or property as collateral but won’t get the right of ownership until the entire loan amount is paid within the stipulated time to your bank. As said before, different financial institutions in India have their respective terms and conditions over housing finance. In this context, LIC home loan also involves certain eligibility and documentation processes including processing fees. As per the security, you need to mortgage new property on which the finance is given and one guarantor who can testify your credibility as loan applicant. You can avail maximum of Rs 1 crore for housing purpose from LIC. You ca repay your loan through easy EMIs through monthly rest basis. Both salaried and self employed individuals need to follow documentation procedures properly. The housing finance of LIC can be availed for new home purchase, home construction, home extension and home renovation purposes. Moreover, borrowers can also maximize LIC’s home loan emi calculator to get a better idea over payable EMI. Using the emi calculator is quite easy and handy. Just enter the required data like loan amount, tenure and interest rate. The calculator will tell you exact detail of payable emi regarding your home finance.

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Home Loan Eligibility

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LIC home loan

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One of the more expensive things about owning a vehicle is the repair costs that arise. Cars and trucks are great, but sometimes they break down. Parts and labor can cost a lot, and some parts can be hard find for older vehicles. This is where salvage yards Phoenix come in handy. This is a great place to find parts that are less than new parts. Because many of the vehicles are older at salvage yards, it can be also to find parts for older vehicles that one cannot locate easily otherwise.

Automotive parts Phoenix AZ found in these yards can be just as good as new parts. In the instances where the new parts are no longer made for certain vehicles, they are then better. A person can usually call up the yard and inquire as to if the parts they seek could be in the yard. If they are, a person will either be responsible for taking them off the old car themselves, or an employee may do it for them. Some places will even deliver the part to a home, office, or repair center for a fee.

Many Salvage Yards Phoenix will have a website up and running for customers. A person can go online in the comfort of their own home and browse the selection available. They can search for specific makes and models, and know if what they are needing will be in stock. Some of the the newest cars to the yard may not have been inventoried yet, so do not be shy about calling to double check that what is needed is not actually there.

Many people are unaware that these places are also great for buying entire cars. Many of these vehicles have body damage and are available at a steeply discounted rate. This is a great place to get a first car for a teen driver, or a fixer up project for a father and son to bond over. They also buy cars that have been in accidents and cars that are no longer running. This can be a great way to raise funds if needed.

Short of locking yourself in a room by yourself for a month or entering into a voluntary coma, how can you quit smoking – without using drugs, eating yourself silly or alienating your friends and family? While it’s never easy (but definitely worth it), there are things you can do to make the journey a little easier.Make up Your MindOne of the best ways to quit smoking is to make up your mind to do it. Sorry to be the bearer of bad news, but if you’re doing it half-heartedly or doing it for someone else, your chances for success go down. Only you know when the time is right.Talk it Up…Or NotFor some people, telling others about your plans to quit makes it more real. Then again, some people like to keep in quiet in case they don’t succeed. That’s a choice that you’ll have to make for yourself. The upside to telling people you’re trying to quit is that they’ll probably be a little more sympathetic if you blow up at them for no good reason (other than you’re missing your nicotine). And chances are, they’ll do what they can to distract you.ExerciseWhen the urge to smoke becomes overwhelming, go for a walk. Or if you can’t go for a walk, do some squats or lunges. The craving will pass and your gluteus maximus will thank you. Any kind of exercise will increase the levels of dopamine and other feel-good brain chemicals that are similar to the ones you get from smoking. Who knows maybe you’ll get addicted to exercise instead.Chew GumFor some people, smoking is a very oral thing. If you’re one of those people, try chewing sugarless gum instead. Not only will it get you through a rough spot, it will also help your concentration – so use it to concentrate on something besides smoking.Start DrinkingDrinking a big glass of water (what did you think I was going to suggest?) helps dull nicotine cravings. So do yourself a favor – drink up! A few (or a lot) of extra bathroom trips are worth it. Plus, water is good for your skin, controlling food cravings and improving concentration.Change it UpSome people associate smoking with doing certain activities. If you like to smoke when you are drinking alcohol, start having your adult beverages someplace where you can’t smoke or even give up alcohol temporarily. If you smoke while you’re driving, try wearing gloves (yes, it might look odd on a 90 degree day, but who cares) or even take the bus or carpool with a non-smoker. If you smoke to relax, try reading or meditation. If you’ve made up your mind to quit smoking, you can do it, and you can do it without turning to drugs or food. Just implement some or all of the tips above to make your transition to non-smoking more bearable.