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| Step 4: Credit appraisal and loan sanction |
Home First will consider the applicant and co-applicant’s income, assets, liabilities, credit history (CIBIL), qualifications and other factors to arrive at the decision to approve the loan.
The appraisal may involve visits to the residence and office, as well as personal discussions with the applicant and co-applicants.
If the loan is approved, a sanction letter will be sent to you. You have to return a signed copy of the sanction letter to acknowledge acceptance of the same.
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