Can I get a 100% loan? Getting a 100% home loan sounds ideal, especially for first-time buyers. But in reality, banks in India usually do not offer 100% home loans. Most banks and financial institutions offer up to 80%–90% of the property value as a loan. The remaining 10%–20% is called a down payment, which you have to pay from your own pocket. 🏦 Why You Cannot Get 100% Home Loan: Banks follow guidelines set by the Reserve Bank of India (RBI). For safety, they ask buyers to invest something from their own savings. It also reduces the bank’s risk if the property value drops. Even if you have a good CIBIL score, stable job, and low existing loans, 100% home loans are generally not approved by reputed lenders. https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

Does Laxmi Group provide loans? No, Laxmi Group does not directly provide home loans. However, they do help buyers with loan assistance by connecting them to trusted banking and financial institutions. If you're buying a 1 or 2 BHK flat from Laxmi Group in Ahmedabad, they can guide you through the process of getting a home loan from a bank or housing finance company. Most of Laxmi Group's projects are RERA approved, which makes it easier to apply for a loan from major banks. You can also check your eligibility using a home loan interest rate EMI calculator — it will help you know your monthly payment, total interest, and repayment schedule. This tool is useful if you're buying a property for the first time. Before you apply, it’s good to: Compare home loan interest rates Use a home loan interest rate EMI calculator to plan your budget Ask the bank for a repayment plan based on your income Make sure the property is approved for funding In short, while Laxmi Group doesn’t give loans directly, they assist buyers in getting the best options. Always use a home loan interest rate EMI calculator before signing any loan papers. It helps you clearly understand what you will pay over time. Use the home loan interest rate EMI calculator to compare different banks and choose wisely. https://www.laxmigroup.co/home-loan-interest-rate-emi-calculator/

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