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FINVESTFORTUNE- With an objective to provide quality Financial & Investment services to Small and Medium Enterprises (SMEs) and Individuals in Delhi-NCR, We are informally associated with Industry Experts, who are working with reputed organizations (Top Financial & Management Consultants, Investment Bankers and Real Estate Firms). Read More


Buying a home is an electrifying prospect. There is an important factor that exists in most home sales and that is the mortgage.

Choosing the location, the floor plan and finally sealing the deal. You have to obtain financing, whenever you purchase a home and you don't pay the full price in cash, this type of financing is a mortgage.

When you take out a mortgage you are using the property as security. The bank or lending company has the right to take over custody of your property, if you fail to repay the mortgage on the terms you agreed to the Bank.

Therefore it's very essential to decide a mortgage that will come under your budget.

• There are many types of mortgages available today:

One of these is the fixed rate mortgage.

When you decide to obtain out a fixed rate mortgage it means that you are taking out a mortgage for a particular amount of time such as 10, 15, 20 or 30 years.

When you apply for the mortgage loan, you agree to an interest rate. This interest rate will be in effect for the life of your mortgage. Your monthly amounts will be set and you will repay the lending company for the agreed to term.

• Another type of mortgage is the Variable rate mortgage.

With this kind of mortgage the interest rate applies for a shorter phase of time. Once that time has completed, usually a year, the interest rate in effect at that time is applied to the mortgage.

If interest rates are fluctuating when you are considering purchasing a home, it is advisable to think about an adjustable rate mortgage. The reason behind this, if you lock yourself into a fixed rate mortgage and then interest rates drop, you'll be paying much more than you would have otherwise.

When you go to apply for a mortgage the loan officer will explain in detail the differences between the two kinds of mortgage. They will also advise you as to which one is better for you in terms of your financial goals.

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