Hello,
My Take Gross salary is 42000 pm and take home is 360000. I have a personal loan OF 1 lakh and I’m paying 2800 pm towards personal loan. Now I’m planning to get a home loan of 23 lakh, where property cost is 23.5 lakh. As per the banks rule I can avail a loan of amount of 19-20 lakh approx. What should I do,if I want to get a loan of 23 lakh (is there any chance from SBI preferably).
Also I would like to know that, I have identified a property in an area comes under gram panchayat and it has all documents except LRS, since it falls under panchayat. can I get loan from nationalized banks, preferably from SBI?