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Please remember to seek specific clarifications on the above-mentioned issues from your commercial bank. How will your bank decide your home loan eligibility?

Your bank will assess your repayment capacity while deciding the home loan eligibility.

There are usually amount ceilings for this condition which can also be waived by appropriate authority.

Please read the fine print of the bank’s scheme carefully and seek clarifications. What are the different interest rate options offered by banks?

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Also, sometimes banks make some adjustments so that your EMI remains constant.Banks generally offer either of the following loan options: Floating Rate Home Loans and Fixed Rate Home Loans.