Can a property still be risky even if I'm taking a loan from the bank?

 

Yes, a property can still be risky even if you’re taking a loan from a bank, and this is one of the biggest misconceptions among buyers. Many people assume that if a bank approves a home loan, it means the property is 100% safe and legally clear. However, in reality, banks primarily evaluate the borrower’s repayment ability and conduct only a limited legal check of the property. That means a loan approval is not a full legal guarantee—it simply indicates that the property meets the bank’s minimum requirements for lending.

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