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The Covid 19 pandemic has put paid to our physical house hunt and site visits. We know it’s not the same as before when you could see an advertisement for a house and just drive to one to visit it. However, thanks to technology, the quest for a home is now online and digital home loans are a click away, making the process a whole lot easier and comfortable.
Here’s how you can successfully search for your dream home:
Online site visits
The lockdown has taken house hunt online; which is a good thing because it’s safer. So, you can now view the house plan with your family and discuss features and amenities. Several real estate portals have virtual assistants or chatbots to book your choice online and fix physical site visits when you feel safe to venture out. Virtual reality gives you a 360 degree view of your dream home. Isn’t it a good feeling to be able to walk through the rooms of your future home even before you buy it? Prospective buyers can go through a virtual tour and see every part of the residence like the floor plan, the structure of the accommodation, outside view, etc.
Online loans
Almost all home loan finance companies have adapted to the disruption in the realty space by offering home loans online. Home loan applicants can browse through the offers and check their eligibility criteria, tenure, comfortable repayment options and so on. Most home loan lenders also offer the ease of KYC through video calls which makes it easier to process the documentation almost instantly. Families planning to take a home loan must note down their priorities and affordability concerning the loan amount, own contribution and loan EMI, etc. This is when they can discuss (over a call) with friends, relatives and experts to find out various available options and decide on one that suits them best. The rate of interest offered by lenders is not the only point to visit and compare; other parameters to factor in are, current charges, future charges, loan schemes, quality of post-sale services, etc.
Be documents-ready
This is the best time to take stock of your documents while at home. Lawyers advise home buyers planning to take a home loan to include the sale deed, Khata – an important document for registration of new property, General Power of Attorney, No Objection Certificate, Allotment Letter, Sale Agreement, original copy of Possession Letter, payment receipts, property tax receipts, etc, in their list of important documents
The millennial outlook
Millennials have an edge over their peers when it comes to online property purchase and research. According to LenDenClub, new age technology Unified Payments Interface (UPI), https://www.lendenclub.com/media-center/study-reveals-upi-as-the-most-preferred-repayment-mode-on-p2p-lending the young, tech-savvy population with financial aptitude is much ahead of its previous generations and is more financially responsible and comfortable borrowing and lending on new-age digital platforms. Forty per cent of lenders who lend to 53 per cent of borrowers are below 30 years, the report reveals.
Our never-before booking offer
- HM Constructions offer you a unique scheme where you book any of our spacious homes on Kanakapura Road at HM Indigo http://www.hmconstructions.com/projects/details/hm-indigo at a token amount of Rs.10,000 only.
- The homes are ready-to-move in so you can complete the formalities and move into an apartment of your own in just 10 days.
- What’s more, once you move in, you can let HM take the burden of your EMIs! The EMI Holiday Facility lets you postpone your EMIs by 10 months so that you may enjoy your stay at HM Indigo http://www.hmconstructions.com/projects/details/hm-indigo for nearly a year before you start paying the EMIs. So, stop worrying about your monthly rental and book an HM Indigo apartment today.
Call us on 8880225555 and we will help you find a home that suits your lifestyle, falls within your budget, and is close to all that you would need throughout the year!