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What determines your capacity and how to maximize it?

Borrowing Capacity

You might have been asked or introduced to a common term called “Borrowing Capacity” while planning for a Home Loan. It is very important for you to know how much your borrowing capacity is what determines it. Knowing how much you can spend on your property purchase can improve your decision making.

What determines your capacity and how to maximize it?

How much deposit do you need?

Property Loan requirement

Property Loan can be one of the biggest debts that you will ever own. And for this very reason, banks always pay attention to your savings and patterns of savings over time.

Ideally, you would require 20% of the purchase price as a deposit. Your Bank would then arrange the remaining 80% of the funding. If this is not possible, you can get away with a 10% deposit as well. In some exceptional circumstances, banks can accept a 5% deposit. However, your application needs to be very strong to have a high chance of approval with a 5% deposit.

How much deposit

The Capkon Internship Programs

We genuinely believe that people are our strengths and have placed enormous efforts in the talent-based acquisition and performance-based promotion of all. The Capkon Internship Program is basically designed to attract, mentor, and nurture these talents who can become the future leaders at Capkon.

We are always looking for people with the right combination of skills, fresh ideas, energy, and enthusiasm to drive our company vision and strategy across our diverse business interests globally.


7 mistakes first home buyers make! How can you avoid them?

Buying a home is one of the toughest life decisions. Making such a big financial commitment probably for the first time in your life with a very vague idea about the property type and location would not help you gain the best out of your investment to secure a healthy space for your family. The home buying process itself involves so many stakeholders and communication among these parties that are often not that clear. In addition, based on each one of our personalities we attain inherent behavioral biases in financial decision making, and real estate is one of them.

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