{"id":4765,"date":"2018-05-29T00:01:03","date_gmt":"2018-05-28T18:31:03","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=4765"},"modified":"2019-09-25T12:32:22","modified_gmt":"2019-09-25T07:02:22","slug":"cosmos-bank-home-loan","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/cosmos-bank-home-loan\/","title":{"rendered":"Cosmos Bank Home Loan"},"content":{"rendered":"<p>Under personal banking, Cosmos bank offers a variety of loans, among which one of the most popular is the home loan. The Cosmos Bank Home Loan Scheme may be utilized for the purpose of buying a new\/resold house \/ flat, for the construction of house or bungalow or for\u00a0taking over an existing home\u00a0loan taken with another bank or financial organization.<\/p>\n<div class=\"cta-section\">\n<h2>Features of Cosmos Bank Home Loan:<\/h2>\n<p>There Cosmos Bank home loan scheme is accompanied by a set of unique features to help you realize your dream of owning a house with greater ease. To find out more about what this loan offers, read on.<\/p>\n<ul>\n<li>There is no prepayment fees that shall be levied if you pre-close your loan, provided it is repaid with your own funds.<\/li>\n<li>The income of other members of the family can also be considered to enhance the eligible loan amount.<\/li>\n<li>Maximum limit up to which this loan may be obtained is capped at Rs 70 lakh.<\/li>\n<li>This loan may be availed for a maximum tenure of 20 years. However, in case of a takeover, the repayment period automatically becomes the unexpired period remaining on the loan or 20 years, whichever is earlier.<\/li>\n<li>The loan margin for a new flat shall be 80% of the total value of the flat (including registration, mortgage expenses, processing fee, stamp duty, share money, etc.). Loan margin for a resale flat shall be up to maximum limit of 70% of the cost of the Agreement or valuation, whichever is lesser.<\/li>\n<li>One of the noteworthy features of this loan is that the interest is calculated on daily reducing balance basis.<\/li>\n<\/ul>\n<h2>Cosmos Bank Home Loan \u2013 Documentation:<\/h2>\n<p>If you wish to apply for the Cosmos Bank home loan, then following is the list of documents which you are required to furnish.<\/p>\n<ul>\n<li><strong>Basic Documents<\/strong>\u00a0\u2013 Most recent photograph, photo ID proof, proof of residence (of applicant and guarantors).<\/li>\n<li><strong>Salaried Applicants\u00a0<\/strong>\u2013 Last 3 months salary slip, last 6 month\u2019s bank statement and Income Tax Returns for the last 3 years.<\/li>\n<li><strong>Businessmen\u00a0<\/strong>\u2013 Profit &amp; Loss A\/c for the last 2 years, legal documents for creation of mortgage, Income Tax Returns (copy) for the past 3 years, last 6 month\u2019s bank statement balance sheet.<\/li>\n<\/ul>\n<h2>Cosmos Bank Home loan Interest Rates:<\/h2>\n<p>This home loan offers one of the most affordable for the simple reason that it offers very attractive interest rates. The interest rate on housing loans depends on the type of interest plan applicable on the particular loan.<\/p>\n<ul>\n<li>strong&gt;Housing Loans &#8211; Floating Interest Rate:For loans up to Rs 25 lakh \u2013 9.75%For loans above Rs 25 lakh and up to Rs 70 lakh \u2013 10.00%<\/li>\n<li>strong&gt;Housing Loan \u2013 Fixed Interest RateFor loans up to Rs 25 lakh \u2013 11.00%For loans above Rs 25 lakh an up to Rs 70 lakh \u2013 12%<\/li>\n<\/ul>\n<h2>Cosmos Bank Home Loan EMI Calculator:<\/h2>\n<p>A\u00a0home loan EMI calculator\u00a0is a very helpful tool which helps you find out just how much your home loan is going to cost you. Cosmos Bank presents you the very same tool in an easy to use interface to help you find out how much you have to pay towards your chosen home loan down the years. This information can especially help you budget your finances in the future to accommodate the EMI payments towards your home loan. All you need to do is input information like the loan amount, loan tenure and interest rate (on a reducing balance basis). Armed with that information, the tool will instantly calculate and display the EMI which shall be payable each month.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Under personal banking, Cosmos bank offers a variety of loans, among which one of the most popular is the home loan. The Cosmos Bank Home Loan Scheme may be utilized for the purpose of buying a new\/resold house \/ flat, for the construction of house or bungalow or for\u00a0taking over an existing home\u00a0loan taken with &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/cosmos-bank-home-loan\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Cosmos Bank Home Loan&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-4765","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Cosmos Bank Home Loan - Antworks Money<\/title>\r\n<meta name=\"description\" content=\"Cosmos Bank home loan scheme is accompanied by a set of unique features to help you realize your dream of owning a house...\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/cosmos-bank-home-loan\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Cosmos Bank Home Loan - 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