Shubham Housing Development Finance Company has been one of the leading affordable home loan providers in PAN India caterings to every Indian and providing them with their own home. With several interest rate options and many product categories under the name Shubh by Shubham, we cater to business owners, homeowners, people who want to buy their homes, women entrepreneurs, and even provide loans to people with informal income. For us, what matters is a home for every individual, and we do our best to fulfill their desire of having their own dream home. People often look for ways to ..read more

A Loan against Property (LAP) is a multipurpose loan that is mostly availed to fund various expenses like higher education for children, weddings, home renovation, business expansion, medical bills, other personal expenses, etc. LAP is a secured loan that banks and housing finance companies provide against residential or commercial property. These loans are generally offered at a comparatively lower interest rate than a personal loan or business loan. Any individual with a pre-owned property can avail of such loans, whether they are salaried or self-employed in a business or professional set ..read more

Taking out a loan can be a big decision, and it is important to be as informed before you make any commitments. There are a lot of things to consider when taking out a home loan, and it can be tough to know where to start. To help you make the best decision for your needs, we’ve compiled a list of the top 10 things you should know before taking out a home loan. From understanding interest rates to knowing what kind of loan is best for you, this list will help you get started on the right foot. With this information in hand, you will be able to make the best choices for your financial situati ..read more

In today’s time, buying a home is an expensive affair. From application fees to document charges, multiple costs are incurred when applying for around the entire process. At Shubham Housing Finance, we believe that buying a home means the ability to make your aspirations a reality. Keeping this in mind, we’ve busted some myths about taking a home loan. Myth 1: You should take a home loan that has a low-interest rate At first, taking a home loan at a lower interest rate may seem like the best option. You may take a look at the home loan rate of your financial institution. However, purchasing ..read more

What is an EMI? The EMI consists of the principal amount and the interest on the principal amount. It is calculated by taking into account the loan amount, the time frame for repaying the loan, and the interest rate on the borrowed sum. When it comes to purchasing a home, one of the most important things to consider is the amount of money being borrowed. Another key factor to consider while selecting a loan is the term of the loan. The third most significant aspect is the interest rate. These three important aspects decide the Equated Monthly Instalment also called the EMI. Every month, part ..read more

If you are like most people, buying a home is one of the biggest financial decisions you will ever make. And for many people, taking out a home loan is the best way to afford that dream home. Obtaining a home loan is a time-consuming procedure. But unfortunately, there are numerous roadblocks along the way. In this blog post, we will take a look at some of the common problems faced by borrowers. These concerns may range from being turned down to not getting the desired loan amount. We will also provide tips on how to overcome these problems. So if you are thinking about buying a home, be sure ..read more

In a post-pandemic world, we all know how uncertain and unpredictable life can be. All of us have learned to live with uncertainty almost on a daily and weekly basis. The pandemic that started in 2020 and continues in 2022 as we write this, also brought to the forefront how vulnerable our financial lives are and how under-prepared we are for things such as sudden medical expenses. So, what are the options one must answer life’s unpredictable financial challenges such as a large medical expenses? The obvious answers are: Health insurance Health insurance is an agreement between an insurer an ..read more

Buying a home is every person’s dream and it is also a great investment that allows you to buy low, invest slowly, and sell high if needed. However, timing your purchase well is also a very important factor to consider when buying a home. It just so happens that the post-pandemic time may be the best ever to invest in a home. From the macroeconomic factors such as a fast recovering economy to micro factors such as businesses starting to recover through increased spending, this is the best time in the last decade to buy a home. In this article, we take a look at the most important factors you ..read more