Friday, January 29, 2021

Nursing

Jamaica Hospital Nursing Home is located in Jamaica, NY that has a total of 221 residents. Jamaica Hospital Nursing Home has been given an Overall Star Rating of stars. In response to the latest developments of COVID-19, the Jamaica Hospital Nursing Home for Nursing and Rehabilitation has modified our visitation policy in an effort to protect our residents, visitors, and employees. Here, we appreciate good Nurses and show appreciation by creating an environment in which they can find fulfillment and growth opportunities.

Each nursing home that provides services to people with Medicare or Medicaid is required to make the results of its last full inspection available at the nursing home for the public to review. If an inspection team finds that a nursing home doesn't meet a specific standard, it issues a deficiency citation. The federal government may impose penalties on nursing homes for serious deficiencies or for deficiencies that the nursing home fails to correct for a long period of time. For example, Medicare may assess a fine, deny payment to the nursing home, assign a temporary manager, or install a state monitor.

Patient Care

Based on inspection findings from the most recent 3 year time period, CMS designates the group of nursing homes with the worst repeated inspections as being a Special Focus Facility. A complaint is a negative occurrence reported by residents, their families, and nursing home staff. An incident, which is different from a complaint is a negative occurrence that has been reported by the nursing home staff. Some complaints will result in enforcement actions because the facility isn’t following the rules. The process for health inspections at nursing home facilities takes into consideration all of the important elements of a person’s care in a nursing home.

Facilities may be owned by corporations, corporations that are non-profit, religious affiliated organizations or even goverments. Quality varies in facilities in each of the kinds of how the nursing home is owned, and you should know that the type of ownership of the nursing home will not necessarily indicate the the quality of care and service at a particular nursing home. In order to determine if a particular nursing home is is a good choice you should do you your own research about the facility and also most important of all visit and tour the facility. While reading these reports, keep in mind that the quality of a nursing home may get much better or much worse in a short period of time. These changes can occur when a nursing home's administrator or ownership changes, or when a nursing home's finances suddenly change. Certified beds represent the number of Medicare and/or Medicaid beds are at the facility.

Jamaica Hospital Nursing Home

Inspectors rate every nursing home facility on more than 180 different criteria. There are things that nursing homes can do to improve their quality measure percentages. The quality measures have been validated and are based on the best research currently available.

You should check with the nursing home to learn about what kinds of beds that are available. At Jamaica Hospital Nursing Home there are 221 residents that are on Medicare or Medicaid. Jamaica Hospital Nursing Home has a total of 226 Certified Beds, which comprises 98 of occupied beds. The reported complaints and incidents for this facility are totaled above. Local fire safety specialists evaluate whether a nursing home passes Life Safety Code rules enacted by the National Fire Protection Agency. The facility’s fire safety inspection addresses many fire protection and safety concerns, including construction, fire protection, and operations elements that were designed to provide safety from fire hazards.

Quality Measures Jamaica Hospital Nursing Home

From our Shared Governance Model, Continuing Education Programs and Nursing Leadership Academy, we provide our Nurses the opportunity to advance in their career as far as their skills and ambition take them. You will find information on specialized areas of patient care as well as career advancement opportunities for Nurses.

jamaica hospital nursing home

Medicare certified nursing homes are required to pass over 180 regulatory standards designed to protect nursing home residents. These inspections assess whether the nursing home meets certain "minimum" standards. If a nursing home has no deficiencies, it means that it met the minimum standards at the time of the inspection. A Special Focus Facility is a negative designation given to nursing homes with a recent track record of persistent poor quality of care, as determined by the findings of state or Federal inspection teams.

Jamaica Hospital Nursing Home Jamaica, NY

Each nursing home that provides services to people with Medicare or Medicaid is required to make the results of its last full inspection available at the nursing home for the public to review. If an inspection team finds that a nursing home doesn't meet a specific standard, it issues a deficiency citation. The federal government may impose penalties on nursing homes for serious deficiencies or for deficiencies that the nursing home fails to correct for a long period of time. For example, Medicare may assess a fine, deny payment to the nursing home, assign a temporary manager, or install a state monitor.

Facilities may be owned by corporations, corporations that are non-profit, religious affiliated organizations or even goverments. Quality varies in facilities in each of the kinds of how the nursing home is owned, and you should know that the type of ownership of the nursing home will not necessarily indicate the the quality of care and service at a particular nursing home. In order to determine if a particular nursing home is is a good choice you should do you your own research about the facility and also most important of all visit and tour the facility. While reading these reports, keep in mind that the quality of a nursing home may get much better or much worse in a short period of time. These changes can occur when a nursing home's administrator or ownership changes, or when a nursing home's finances suddenly change. Certified beds represent the number of Medicare and/or Medicaid beds are at the facility.

Resident Statistics

You should check with the nursing home to learn about what kinds of beds that are available. At Jamaica Hospital Nursing Home there are 221 residents that are on Medicare or Medicaid. Jamaica Hospital Nursing Home has a total of 226 Certified Beds, which comprises 98 of occupied beds. The reported complaints and incidents for this facility are totaled above. Local fire safety specialists evaluate whether a nursing home passes Life Safety Code rules enacted by the National Fire Protection Agency. The facility’s fire safety inspection addresses many fire protection and safety concerns, including construction, fire protection, and operations elements that were designed to provide safety from fire hazards.

jamaica hospital nursing home

From our Shared Governance Model, Continuing Education Programs and Nursing Leadership Academy, we provide our Nurses the opportunity to advance in their career as far as their skills and ambition take them. You will find information on specialized areas of patient care as well as career advancement opportunities for Nurses.

Review.Care

Inspectors rate every nursing home facility on more than 180 different criteria. There are things that nursing homes can do to improve their quality measure percentages. The quality measures have been validated and are based on the best research currently available.

Medicare certified nursing homes are required to pass over 180 regulatory standards designed to protect nursing home residents. These inspections assess whether the nursing home meets certain "minimum" standards. If a nursing home has no deficiencies, it means that it met the minimum standards at the time of the inspection. A Special Focus Facility is a negative designation given to nursing homes with a recent track record of persistent poor quality of care, as determined by the findings of state or Federal inspection teams.

Jamaica Hospital Nursing Home

Based on inspection findings from the most recent 3 year time period, CMS designates the group of nursing homes with the worst repeated inspections as being a Special Focus Facility. A complaint is a negative occurrence reported by residents, their families, and nursing home staff. An incident, which is different from a complaint is a negative occurrence that has been reported by the nursing home staff. Some complaints will result in enforcement actions because the facility isn’t following the rules. The process for health inspections at nursing home facilities takes into consideration all of the important elements of a person’s care in a nursing home.

jamaica hospital nursing home

Jamaica Hospital Nursing Home is located in Jamaica, NY that has a total of 221 residents. Jamaica Hospital Nursing Home has been given an Overall Star Rating of stars. In response to the latest developments of COVID-19, the Jamaica Hospital Nursing Home for Nursing and Rehabilitation has modified our visitation policy in an effort to protect our residents, visitors, and employees. Here, we appreciate good Nurses and show appreciation by creating an environment in which they can find fulfillment and growth opportunities.

Thursday, January 28, 2021

Buying a Home At Auction: What You Need to Know

In a competitive real estate market, buying a home at auction is a fantastic way to circumvent the headaches of offers and rejections. If the successful bidder/purchaser does not pay the balance within three business days, the sale of that property will be voided and scheduled to be re-sold. Auction attendees who wrote their name and address on the attendance sheet of the original sale will be notified of the resale. Regardless of the auction type, these events may take place at physical locations such as local government courthouses and hotel conference rooms, and these in-person auctions are completed rapidly. Real estate auctions also increasingly take place online, where they may last for days or weeks. Perhaps the biggest risk of buying at auction is that you will have limited knowledge of the properties for sale, making an expensive misstep a real possibility.

home loan for auction property

From a lender’s vantage point, removing the investment property from the books saves them the hassle of managing a foreclosed home. For a government agency, an auction allows them to recover taxes and maintenance expenses. Most auctions have very strict rules about how you can pay for your purchase, and they almost always involve cashier’s checks or cash. In a confirmation auction, the lender has the choice to accept or not accept the winning bid .

Mortgages & Remodeling

Grayson holds certificates from the University of California campuses at Irvine and San Diego. Yassine is a versatile content writer who enjoys crafting compelling copies and articles about the various facets of real estate. Follow the link in the email to complete the registration process. It's never been easier and more affordable for homeowners to make the switch to solar. It’s possible that you might not understand the market or know what kinds of damage are unique to your new home. Here is some advice that can help you navigate the auction process.

home loan for auction property

On the other hand, because hosting auctions online makes them easier for everyone to access, there’s now more competition at auctions than ever before. If you’re buying your next home, you’ll perhaps be motivated more by inventory than the prospect of a deep discount on the purchase price. Thanks to the advent of various real estate auction sites, finding auction properties near you is no longer a tedious process. As a matter of fact, you can find auctioned homes in any housing market in just a few minutes. These sites often feature all the information that pertains to the auction as well as the bidding requirements. Another effective way to find auctioned homes is the Mashvisor Property Marketplace.

Hire an NAA Pro for commercial real estate

You can also get a home loan for such property, but you have to arrange for the full auction amount first from your own sources and then the home loan lender can issue the cheque. In case you intend to take a home loan for such a property, you should acquire an in-principle approval for the loan amount based on your income. Have all the details about your current situation including the property value and mortgage price. Bridging loans are at a lower interest rate due to the competitive business, so this can help to save you some extra money by paying less interest. Obtain from your lender a letter of prequalification listing the amount of your qualification and give it to the auction company. Register with the auction as a potential bidder and obtain the specific terms for the auction event.

home loan for auction property

That burden shifts to you along with the keys to your new house. Of course, we’re covering some worst-case scenarios you should be aware of. There are ways you can win big on foreclosure auctions but you have to do it the right way.

Home Loan Eligibility Calculator

Since the properties are sold under ‘as it is where it is basis’, it is the responsibility of the prospective buyer to discharge such outstanding dues. Always ascertain outstanding amounts in respect of society charges and municipal taxes in case these payments are to be made by the property owner itself. Bidding for a property without knowing the liability of such dues may enhance your cost. If you purchase at auction using a bridging loan, the bridging firm will make a formal offer for your finance, and evaluation may be required for this.

home loan for auction property

However, do your research beforehand to determine the interest rates available from competing lenders. The first thing that potential bidders should be aware of is that there are various types of real estate auctions. For example, an auction house that is sold through an absolute auction will go to the highest bidder regardless of the final price. On the other hand, minimum bid auctions allow the seller to set a baseline minimum for the sale price. This means that the real estate property won’t be sold if the price does not reach the minimum sale price set by the seller.

Auction dates are advertised in New York City newspapers and are posted in each county's Sheriff's and Clerk's offices. Further details are given on the SA Home Loans section of this site for the process to follow in order to purchase these properties. One of the options available to the beneficiaries of the estate is to sell the bonded property. Once the estate is formally reported, the Master of the High Court appoints the Executor who is responsible for administering the estate including disposing of the property. This happens once the borrower has defaulted, and SA Home Loans purchases the property at the Sale in Execution because the reserve price was not achieved.

home loan for auction property

While unlikely to happen, if you were the only bidder at an absolute auction, you could acquire a property significantly under the market value. In the event where a home owner defaults on the loan taken, the lender is entitled to legally repossess the property. Such repossessed properties are ultimately sold through physical or electronic versions of auctions. Before you decide to buy such an auctioned property, here are the precautions you need to take.

Most houses end up being sold at auction due to foreclosure or property tax default. The mortgage deposit is not the only thing that you have to factor in when applying for a loan. Generally speaking, you can expect the fees to be anywhere from 5% to 10% of the final sale price. To avoid paying this expense out of pocket, you need to secure a loan preapproval for 10% more than the property’s value. Buying a house at an auction is very different from the normal house-buying process that typically involves real estate agents.

home loan for auction property

But understanding how the auction works will empower you to make a bid when the time is right. Likewise, attending in-person auctions and learning how they work is a great way to familiarize yourself with the process. You buy a home at auction, you might face less competition than you would by taking the traditional home buying route. However, you will likely be going up against experienced investors, and there are greater risks and fewer consumer protections available to those who are buying a home at auction. The requirements for an auction mortgage are the same as any other type of property acquisition.

A successful bidder/purchaser who fails to comply with the terms of the sale may be liable for damages to the judgment creditor. SA Home Loans has partnered with Private Property to make these properties available online for interested buyers to view. But this pool is small because most don’t collect commissions from these auctions.

Home buying process to avail yourself of more house buying opportunities. One route that you may be considering is buying a house through a real estate auction. If you’re a first-time auction attendee, you might not have a clue about what’s going on. Your best bet is to start attending auctions well before you plan to bid. Collect any sales materials being offered and read up on the rules. Much of this information can also be found on the auctioneer’s website.

Buying A House At Auction: A How-To Guide

However, there are exceptions, so you’ll want to research the requirements ahead of time. Buying a house at auction could be a smart move, but it’s not the right choice for everyone. And if you decide to give it a try, you’ll need to have a thorough understanding of how the process works.

This is a quick process when it comes to sorting the finance out so it shouldn’t take any longer than days which then gives you at least 12 months to complete renovations on the property. So, this is perfect for those wanting a quick turnaround and not wanting a long-term loan. When it comes to bridging loans for auction and bidding on a property, there are some key things to think about to ensure you can do it. A reserve auction means that the seller will only sell if the bid exceeds their minimum price. The reserve price is the minimum bid the seller is willing to accept for the property, and they are not required to disclose that information to potential buyers.

Home Loan Tax Benefits for Under-Construction Property Bajaj Housing Finance

Invitation of applications for empanelment of advocates/ firms on banks panel. Learn how to start the home-buying process and what to look for in your agreement of purchase and sale. Apply now to get pre-approved or request a call from one of our Mortgage Advisors. Providing details of an individual’s regular extra income sources. I agree to be contacted by PNB housing or its representative through SMS/Email/Whatsapp or call. If the property, for which you want to take loan, is located in an area authorized by the state or central government, it is easier to get the approval as the verification process gets simpler.

Hence, banks usually conduct a technical and legal investigation of the property before sanctioning the loan. Once you find out your eligibility, you will know if you are eligible for the loan and get an accurate estimate of the loan amount you can avail of for your house purchase. Home Loan eligibility depends on various factors, such as monthly income, current age, profile of the customer, monthly obligations, credit history, retirement age, etc. As you know, a home loan can be availed for multiple purposes such as plot purchase, land purchase, construction, improvement, Home Conversion, and Home Extension. You just need to mention the purpose at the time of applying and submit relevant details. If you are a self-employed individual, it is important to have the proof of Income Tax Return filing so that a lender can estimate about your annual income.

Here is a basic document list for your easy reference.

As the income slab moves up, the repayment capacity can go up by some notches, and then, that 50%-60% ratio talked earlier will apply. Not many may not know the home loan amount is also dependent on the ratio of Equated Monthly Installment to the Net Monthly Income . Ideally, the proposed EMI should remain within 50%-60% of your NMI. But lenders can change the norm related to EMI/NMI ratio while deciding the loan eligibility. The reason being the expenses and financial state of individuals can differ across different income groups. Location of your Property –As you get a home loan against your property, its location plays a huge role in your home loan eligibility.

home loan eligibility calculator

Proof of income like ITR of previous years, last 2 years P&L accounts and bank statement of last 6 months. Look up important mortgage terms in our comprehensive dictionary, and use our calculators to help set your budget. Using an updated version will help protect your accounts and provide a better experience. Zillow Group is committed to ensuring digital accessibility for individuals with disabilities. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests.

What does Home Loan Eligibility mean?

Thus, checking your home loan eligibility and doing a loan eligibility check will make your loan availing process smooth. Additionally, it lessens your chance of having a loan denied, which could affect your credit score. Which tool is required to determine your eligibility for a home loan? Home loan eligibility is dependent on many factors such as your salary, current age, credit score, location, total work experience and other monthly financial obligations. Bajaj Finserv brings easy-to-meet eligibility criteria, making the Home Loan more accessible.

If you are earning good and as per the requirements of the lender, you might be able to get a higher loan amount. However, the loan amount won’t exceed 90% of the property value. Customers who are planning to apply for a home loan can check the eligibility criteria sought by top banks in India. Lenders sanction up to 80% to 90% of a property's value as a Home Loan. The remaining amount, known as the down payment, must be paid by the borrower.

Types of Housing Loan Charges

Using this home loan eligibility calculator, you can get an accurate idea of the loan amount you qualify for to purchase a home. If you have checked your home loan amount eligibility online, it will be clear if you are eligible for the loan or not. Apart from these, employment status, monthly income, property details and loan-to-value ratio also affect home loan eligibility. One of the eligibility criteria that determine how much loan you can avail is your net salary (in-hand salary). Your salary is crucial as it helps in forecasting your repayment capabilities.

home loan eligibility calculator

The first thing that a lender will check is the place where your property is located. So, make sure you get a property at a prime location to get the desired loan amount. An individual’s housing loan eligibility is determined on the basis of various factors. The Home Loan Eligibility Calculator benefits all aspiring Home Loan borrowers, helping them secure favourable Home Loan terms by enhancing their loan eligibility.

Yes, it is possible to get a home loan even with a low credit score. However, it is important to know that since most lenders will view you as a credit risk, you may be granted a higher interest rate than usual. Usually, most lenders try to restrict the tenure of the loan to the main applicant’s age of superannuation.

home loan eligibility calculator

The basic factors that determine your Home Loan eligibility include your income and repayment affordability. The city selected helps the housing loan eligibility calculator determine your loan amount suitability as per your income and the market price of the house to be purchased. Home loan eligibility essentially tells you how much home loan you can avail of. You should check your home loan amount eligibility online before applying for a home loan. You can use the home loan eligibility calculator on our website to know the amount of home loan you can avail of, the tenure of the home loan, and the EMI you will have to pay. We offer a variety of mortgages for buying a new home or refinancing your existing one.

Although most key requirements are usually the same, certain eligibility criteria may differ from lender to lender. These eligibility criteria are basically a set of parameters based on which a lender can assess a borrower’s creditworthiness and past repayment behaviour. It depends on several factors, including credit history, age, credit score, financial obligations of an individual along with FOIR and financial status. Conventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a conventional loan may be a great option, as it usually offers lower interest rates without private mortgage insurance .

The eligibility of a Home loan depends on a variety of factors such as age, financial position, credit history, credit score, other financial obligations etc. You can easily use the home loan eligibility calculator available on the Fullerton Grihashakti website to get a fair assessment if you qualify for a home loan. Just enter the details required such as nature and value of the property, monthly income, net monthly obligations, interest rate.

Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping. Getting an education loan is an easy way to finance your dreams. A student loan can help you get into the university of your choice. Bank of Baroda is here to finance your dreams, education & career goals. Home Loan eligibility can be enhanced by adding a co-borrower/opting for longer tenure loan/additional source of income. Home Loan eligibility of the salaried customer is calculated based on the current age, type of company employed in, age of retirement, etc.

You can also avail a home loan of higher value provided you have a high income. Gross annual household income is the total income, before deductions, for all people who live at the same address and are co-borrowers on a mortgage. To be eligible for an HDFC Home Loan, your application needs to be supported by the right documents.

Explore mortgages

However, in order to be eligible for the same, you will be required to make regular repayments for your existing loan. However, you can check the list of home loan documents required for different types of applicants and apply for your loan accordingly. An eligible applicant can enjoy competitive home loan interest rates along with features like part-prepayment, foreclosure, balance transfer facility, etc. Make sure to provide accurate information to compute the correct results. The calculator displays the maximum loan amount you can borrow from Bajaj Finserv instantly. An easier way to check home loan eligibility is by using an online calculator.

home loan eligibility calculator

Home Loan Eligibility Calculator

If you wish to report an issue or seek an accommodation, please let us know. Complete Guide to FHA LoansConsidering an FHA loan for your new home? Read about FHA loans and find out why they’re a popular option for first time homebuyers.

If you’re a home buyer, you can quickly input these fields in the calculator and easily check your eligibility. It assists in making an informed decision and prevents loan application denials which would otherwise negatively impact your credit score. Your existing obligations (personal loan, vehicle loan, etc.) also decide your home loan eligibility. If you are having an existing loan obligation, your repayment capacity will decrease to an extent. A part of your monthly income will be going towards your existing loan EMI. Either the lender will increase the tenure or sanction you less in such a case.

Know the stages of Getting a Home Loan

Follow the below mentioned step-by-step guide to check your eligibility for housing finance with our loan amount eligibility calculator. See our current mortgage rates, low down payment options, and jumbo mortgage loans. An FHA loan is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for low down payments.

home loan eligibility calculator

As per the terms and conditions of the PMAY scheme, applicants will be categorised under 4 broad categories – EWS, LIG, MIG 1, and MIG 2. PMAY eligibility criteria for these groups are decided on the basis of the annual family income. You can use the online home loan eligibility calculator which will compute the home loan amount he or she is eligible to get. A home loan eligibility calculator is an online tool that enables you to assess your home loan eligibility in just a few clicks with some simple steps.

Home Loan Eligibility for HDFC Limited

Your credit score is based on factors like your income, debt ratio, length of employment history, etc. The banks/lending institutions decide the loan amount based on different factors, including age, income and LTV ratio. Since most financial institutions assess your home loan eligibility based on the Debt-to-Income Ratio.

It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance. What are the Minimum home loan eligibility requirements for an NRI? In general, the home loan eligibility criteria for NRIs are in line with that of the general public. In order to avail an NRI home loan, the applicant should be a salaried or self-employed individual, with a good credit score. He or she should be within the age bracket of 18 years to 70 years and must be a Non-Resident Indian or NRI.

Include Any Variable Annual Pay in Your Income Documents

Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Listed below are some of the ways to increase home loan eligibility and improve the chances of availing a home loan at favourable terms and interest rate. Your income will determine the loan amount you are eligible for. Lenders will consider your take-home salary, minus certain common deductions such as gratuity, PF, ESI, etc. The take-home salary will determine the EMI amount you can afford and thus the total loan amount you can borrow. Our eligibility calculator gives the most accurate estimate of home loan that you can borrow from ICICI Bank.

Lenders like banks pay close attention to your income while evaluating your Home Loan eligibility. Essentially, they are concerned with your take-home salary/income, which is the amount left after making deductions like gratuity, PF, other obligations, etc. It is based on your income that banks can determine how much EMI you will be able to pay each month basis the home loan eligibility calculator. You can check your loan eligibility in a few minutes while lounging in the comfort of your home thanks to the digitization of banks and the availability of online banking products. All you need to do is access the online home loan eligibility calculator. It is also important that you have all the necessary documents related to your property at your disposal at the time of applying for a home loan.

Home Loan

Yes, you can use your existing loan account to purchase a new property. However, this benefit will be offered as per the discretion of your lender. For example, HDFC Bank offers the ‘Home Conversion Loan’ feature which can be used to transfer the existing loan to buy a new property. In addition to that, you can also get additional fund for the new property as per your home loan eligibility. Is it mandatory to have a co-applicant while applying for a home loan? Although there is no mandate for having a co-applicant for a home loan in India, most of the lenders insist on having one to ensure the guarantee in regard to the repayment of the loan amount.

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. Actual rates may vary and will affect the amount you can borrow. Selecting your province or territory helps us personalize your mortgage results.

Now apply for your home loan from anywhere, anytime simply by clicking on the “Apply now” button on this page. Fill up the application form, enter the required information, check on your home loan eligibility, attach your documents and submit. Our representative will get in touch with you to discuss next steps. You will be able to see the maximum home loan amount you may be eligible for on the right side along with the monthly EMI. You can vary the interest rate and tenure to understand how these factors may impact your loan amount eligibility. The monthly income is one of the most important factors in deciding your eligibility for a loan.

Other people may use them as a way to budget for their future mortgage payments. Adding a co-applicant to your home loan application is one of the ways to improve your home loan eligibility. If the main applicant defaults on repayment, the co-payment will be legally liable for repaying the loan. Mentioning all your additional income sources is one of the important things you can do to increase your debt to income ratio, thus improving your loan eligibility. For instance, if you own another house, you can rent it out and declare the additional income in the loan application. You can apply for a joint home loan that increases your chances of availing of a higher loan amount.

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