Doston, is video mein maine Home Loan Kaise Le 2026 ka complete step-by-step process simple Hindi mein explain kiya hai—taaki aap bina confusion ke apna ghar banane ya ready house/flat/apartment lene ke liye sahi planning kar sako. Main cover karta hoon home loan kya hota hai, construction loan aur normal home loan mein basic difference (construction mein amount installments mein milta hai), aur bank aapko 100% amount kyu nahi deta—LTV ke हिसाब se aapko self contribution bhi karna hota hai (loan amount ke slab ke according 10%/20%/25%). Phir maine eligibility clearly batayi: age criteria, regular income ka proof (salaried ke liye salary slip + bank statement, self-employed ke liye last 3 years ITR CA-verified), aur sabse important CIBIL/credit score—main recommend karta hoon 750+ rakho, defaulting bilkul mat karo. Saath hi co-applicant (spouse) add karne se approval chances aur interest rate dono better ho sakte hain, lekin unke documents aur score bhi sahi hona chahiye. Last mein maine documents ki proper list di (KYC, income, property papers), interest rate ka practical range (approx 8% to 10-12% factors pe depend), aur offline vs online apply ka process bataya. Mera clear opinion: offline apply karoge to interest rate, processing fee jaise charges mein negotiation karke aap achha amount bacha sakte ho—aur hidden charges ko samajhna bhi zaroori hai.