• Luxury Villas
  • Kolenchery
  • 1828-2638 Sq Ft
  • 3 & 4 BHK

About Ginger County

Nestled in the comforting environs of Kolenchery, Ginger County is a residential enclave that blends the comforts of a modern lifestyle with the charms of easy, peaceful living. Ginger County features thoughtfully planned and tastefully designed luxury villas, along with exclusive lifestyle amenities such as club with party area, pool, fitness centre, outdoor games and more. With its wide stretches of open space, plenty of fresh air and soothing lush greenery all around, Ginger County is more of a retreat than a residence, where you can lead a life of absolute serenity.

Large Villa

Medium Villa

Small Villa

ELIGIBILITY CRITERIA

Income : Rs. 50,000

Total EMI’s being paid : Rs. 10,000

EMI to Income Ration : 20% [10,000 / 50,000]

Rule of thumb EMI to Income Ratio: 50% [lenders assume you will need half salary for living expenses].

Total Borrowing Capacity : 50% * Rs. 50,000 = Rs. 25,000

Total Incremental EMI that individual can afford : Rs. 25,000 – Rs. 10,000 = Rs. 15,000

Basis this EMI, total additional loan that may be sacfioned at an interest rate of 10% over 20 years = Rs. 15,00,000

LOAN APPLICATION IS LIKELY TO GET APPROVED

Income : Rs. 1,00,000

Total EMI’s being paid : Rs. 50,000

EMI to Income Ration : 50% [50,000 / 1,00,000]

Rule of thumb EMI to Income Ratio: 50%

Total Borrowing Capacity : 50% * Rs. 1,O0,O0O = Rs. 50,000

Total Incremental EMI that individual can afford : Rs. 50,000 – Rs. 50,000 = Rs. 0

Basis this EMI, total additional loan that may be sacfioned at an interest rate of 10% over 20 years = Rs. 0

LOAN APPLICATION IS LIKELY TO GET REJECTED

ASSOCIATED BANKS

HDFC Bank
Federal Bank
ICICI Bank
Union Bank
 
LIC HFL
Punjab National Bank
PNB Housing Finance
IDBI Bank

Loan Documents

1. Copy of Pan Card

2. Address Proof And Id Proof

3. Clear passport sized photo

4. Original Bank Statement for last 6 months

5. Last 6 months Payslips

6. Last 3 years FORM 16

7. HR manager /Reporting officer Name ,Contact Number E Mail , Company Website

8. ECS For Repayment

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