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Home > Forum > Mumbai > Home Loan > Home loan on existing flat

Home loan on existing flat

Q: I am interested in buying a house which already has an outstanding loan of around 19 lakhs by the existing owner. Now if I want to buy this house and apply for loan how should I proceed? Will the existing home loan have to be covered by me?

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Replies (5)
1
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Dorene Zeller


2
I can offer you a home loan at the earliest possible. plz call me on 9819613959
Nicky Ruparel


3
Please check that the property has got all the relevant approvals by relevant authorities and the reason why the present owner want to sell his property.
prataph_g


What all approvals should I check for? He is leaving the country ad so interested in selling
Ria Sen,  
10th July 2012


4
the original document of the house you are thinking to buy must be with the bank. so it is important for you to pay the due amount to the bank and get the original document first.
prataph_g


5
Ask the homeowner to get a letter from the bank stating the total due amount.
You can directly give the check to the bank for the due amount. In case you are also applying for a loan, you can show the letter to your bank or home loan company and ask them to make the payment to the present owner’s bank directly.
The process will be much simpler if you are taking the loan from the same bank as the loan taken by the present owner.
Uday Dutta


Yes I will also need to apply for a loan, so will I have to apply for two loans? One to repay his original loan and the second on the balance amount?
Ria Sen,  
10th July 2012


6

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