Housing Loan

Home Loan

  • Avail 0% Processing Fees on Home Loan, Loan Against Property and balance transfer of Existing Loan.
Loan Amt
  • Home Loan upto 30 Lakhs
  • Home Loan above 30 Lakhs
  • Home Loan Top Up
    Note: Up to 100% of Existing Original Loan Amount
  • More than 100% Top Up of Orignal Loan amount
Rate Of Interest
  • 8.35%*Onwards
  • 8.35%*Onwards

  • 8.35%*Onwards

  • 8.35%*Onwards
Processing Fees
  • Rs. 5000+tax
  • Rs. 10000+tax

  • 0.50%

  • 0.50%

The above rates mentioned are only for limited period. These rates may vary from bank to bank and rates would be solely decided at the discretion of the bank.

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Home Loan is offered to individuals who wish to purchase or construct a house. The property is mortgaged to the lender as a security till the repayment of the Home Loan is done. The bank or financial institution will hold the title or deed to the property till the Home Loan has been paid back with the interest due for it. The amount that can be financed typically depends on the status of the borrower (resident/non-resident), type of Home Loan (renovation, property purchase, property extension) and the financial institute.

It is generally offered for up to 80-85% of the cost of the property. In a Home Loan, the owner of the property (the borrower) transfers the title to the lender (bank) on the condition that the title will be transferred back to the owner once the payment has been made and other terms of the Home Loan have been met.

A Home Loan will have either a fixed or floating interest rate, which is paid monthly along with a contribution to the principal loan amount. As the homeowner pays down the principal over time, the interest is calculated on a smaller base so that future mortgage payments apply more towards principal reduction as opposed to just paying the interest charges.

Home Loan allows a much broader group of citizens the chance to own a property, as the entire sum of the house doesn't have to be provided up front. But because the lender actually holds the title for as long as the mortgage is in effect, they have the right to foreclose the home (sell it on the open market) if the borrower can't make the payments. A Home Loan is one of the most common forms of debt, and it is also one of the most advised. Home Loans come with lower interest rates than almost any other kind of debt an individual consumer can find.

Banks offers you the unique Smart Credit loan, where you decide what interest you pay. Smart Credit power packs your loan with transactional features that not only allow you to save on interest, but also help you repay your loan much faster. So, now you can make your every rupee work as hard as you do. In Smart Credit account deposit your excess savings rather than keeping it idle. In Smart Credit you will have the flexibility to withdraw the surplus money deposited in Smart Credit account. Deposit your excess funds in Smart Credit and save the interest on your Loan. In Smart Credit interest is calculated on daily outstanding balance. In Smart Credit you can use this account like current account. (Read More)

  • Our expertise to get u the right Banks / Institute to fulfill your requirement.
  • Loan repayment in flexible tenures from 1 year up to 30 years.
  • Lowest Rate of interest compare to any other loan.
  • Part Payment Facility without penalty.
  • Balance transfer facility.
  • Home Loan Top Up Facility.
  • Nil prepayment charges.
  • Applicant and Co- Applicant to the loan.
  • Tax Benefits : The effective rate of housing loans is much lower than the nominal rates quoted by the banks/housing finance companies because of the tax benefits.
  • Minimum/Hassle free Documentation.
  • Convenience of doorstep service.

There are several steps in the home loan process. Here are the steps in brief:

  • Application form & Document Submission
  • Cibil report check
  • Residence verfication
  • Office
  • Eligibility calculation
  • Technical & Valuation
  • Personal Discussion
  • Credit decision
  • Offer Letter
  • Submission of Property documents & legal check
  • Registration of property documents
  • Signing of agreements and submitting post-dated cheque
  • Disbursement


  • An Indian Resident
  • You should be in business for a minimum of 3 years.
  • You should be self employed Minimum 24 to maximum 65 years of age.
  • Your current place of residence should be occupied for a minimum of 3 years in the city.


  • An Indian Resident
  • You should be in business for a minimum of 3 years.
  • You should be self employed Minimum 24 to maximum 65 years of age.
  • Your current place of residence should be occupied for a minimum of 3 years in the city.


  • You should have 3 years work Experience.
  • Your Minimum age should be 24
  • Your maximum age should be 58/60 at the time of closer of the loan.
  • You should have Minimum Rs 20000/- Net Salary

To qualify for a Home Loan, most of the lending institutions in India require you to be:

Documents Salaried Self Employed Properitorship Firm Self Employed Partnership Firm Self Employed Pvt Ltd / Ltd
Application Form With Photograph Duly Signed Housing Loan Housing Loan Housing Loan Housing Loan
Clear Pancard Copy, (Applicant & Co-Applicant) Housing Loan Housing Loan Housing Loan Housing Loan
Latest Residence proof (Applicant & Co-Applicant) Housing Loan Housing Loan Housing Loan Housing Loan
Latest Office Proof (Applicant & Co-Applicant) Housing Loan Housing Loan Housing Loan Housing Loan
Last 3 Months Salary-Slips Housing Loan Housing Loan Housing Loan Housing Loan
Last 12 Months Bank Statements Housing Loan Housing Loan Housing Loan Housing Loan
Processing Fee Cheque Housing Loan Housing Loan Housing Loan Housing Loan
Form 16 / Income Tax Returns Of Last 3 Yrs Housing Loan Housing Loan Housing Loan Housing Loan
All Loan Sanction Letter If Any Housing Loan Housing Loan Housing Loan Housing Loan
Business Profile Housing Loan Housing Loan Housing Loan Housing Loan
Proof Of Business Existence ( Gumasta License , Sales Tax Certificate , Form 26AS , ) Housing Loan Housing Loan Housing Loan Housing Loan
Last 3 Years Income Tax Returns With Computation Of Income Housing Loan Housing Loan Housing Loan Housing Loan
Last 3 Years CA Certified / Audited Balance Sheet And Profit & Loss Account Housing Loan Housing Loan Housing Loan Housing Loan
MOA /AOA Housing Loan Housing Loan Housing Loan Housing Loan
Partnership Deed Housing Loan Housing Loan Housing Loan Housing Loan
Company Pancard Clear Copy Housing Loan Housing Loan Housing Loan Housing Loan
Shareholding Pattern On Letterhead Housing Loan Housing Loan Housing Loan Housing Loan
Sundry Debtor & Creditor List Last 1year Housing Loan Housing Loan Housing Loan Housing Loan
Property Papers ( Chain Of Agreement & Share Certificate ) / Draft Agreement Housing Loan Housing Loan Housing Loan Housing Loan
Home Loan Eligibility Calculator

Equated Monthly Installment - EMI for short - is the amount payable every month to the bank or any other financial institution until the loan amount is fully paid off. It consists of the interest on loan as well as part of the principal amount to be repaid. The sum of principal amount and interest is divided by the tenure, i.e., number of months, in which the loan has to be repaid. This amount has to be paid monthly. The interest component of the EMI would be larger during the initial months and gradually reduce with each payment. The exact percentage allocated towards payment of the principal depends on the interest rate. Even though your monthly EMI payment won't change, the proportion of principal and interest components will change with time. With each successive payment, you'll pay more towards the principal and less in interest.

In EMI calculator you will be able to analysis the total output of interest you will be paying. In this mechanism you will be able to know the total EMI paid and the interest payable. In EMI Calculator you can also come to know how much interest you will be paying throughout the tenure. To work effectively on EMI Calculator you must be aware of the Loan Amount and the rate of interest. In EMI calculator you will come to know the total interest paid at the end of the Loan tenure.

If you are not satisfied with the calculator output please call us for a personalized solution for your requirement.

Important information

All applications for credit are subject to Banks normal credit approval criteria. Terms and conditions are available on application of every bank in which loan will be applied.

This is an estimate and it is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. To apply for a loan you must complete an application.

The repayment amount and total interest payable excludes Processing fees and Mortgage Insurance / Life Insurance.

If a Variable Rate Loan is selected, the interest rate will be subject to market change throughout the term of the Loan.

Results are based on amortised scheduled repayments and, once any discount or fixed rate period expires, the current variable rate or the variable rate is applied for the remainder of the loan term (unless another fixed rate period is taken).

Creative Finserve will not store the information provided in this calculator.

When can I apply for a Home Loan?
Owning a property is a dream come true for every individual so we at Creative Finserve suggest you to apply for Home Loan once you intent to buy a property so that you will come to know the eligibility of your Home Loan which will help you to identify the property according to your budget. Even if the property is selected you can apply for a Home Loan.
How can I get personalized solution through Creative Finserve for my Home Loan?
We professional at Creative Finserve puts our best effort to give you a complete personalized solution. We take the pain of coordinating with various banks for you to give the best offer and service available in Home Loan.
Who are eligible for Home Loan?

The general factors taken into account while determining the eligibility of Home Loan are listed below:

1. Age (Min. 21 Year)

2. Maximum 58 age at time of closure of the loan for the salaried

3. Maximum 65 age at time of closure of the loan for the self employed

4. Total work / business Experience 3 yrs

5. Indian resident

Who can avail a Home Loan?
Any working individual who is salaried or self employed and who is capable of paying EMI can avail a Home Loan.
What are the process in availing a Home Loan?

The process involved in availing the Home Loan is as follows:

• Application

• Processing

• Documentation

• Property Valuation

• Personal discussion

• Sanctioning of the Loan

• Disbursement

What are the loan tenure options for Home Loan?
Home Loan generally is available for 1year to 20 years. But some Banks and NBFC's give it for 30 years.
What are the documents required for applying for a Home Loan?

Following are the list of the documents for Home Loan:

For Salaried

• Application form with photograph

• Identity Proof and Address Proof

• Latest Salary Slips (Latest 3 months)

• Form 16 / appointment letter

• Bank Statements (Last 12 months)

• All Loan Sanction Letter(if any)

• Processing fee cheque

• Spouse income(if required)

For Self-Employed:

Application form with photograph

Identity proof and Address Proof

Proof of business existence

Last 3 years ITR

Last 3 years P&L and Balance Sheet with Audit Report

Bank Statements (Last 12months)

All Loan Sanction Letter (if any)

Processing fee cheque

Spouse income

How Much Home Loan can I avail from the bank?
It mainly depends on your financial profile, credit reputation, and your loan repayment ability. Lenders evaluate these factors to consider what the amount of a Home Loan should be.
What is the range of interest rates offered in Home Loan?
In in Home Loan interest is calculated on a monthly reducing basis which means interest is calculated on outstanding principal amount after payment of each installment.
What is Home Loan EMI?
EMI or Equated Monthly Installments is a combination of Interest and Principal you will be paying to the bank every month.
Do I get a tax benefit on Home Loan?
Yes, you are eligible for tax benefits in Home Loan on the principal and interest components of the loan under the Income Tax Act.
In Home Loan can I prematurely (prepay) close my loan?
Closing loan prematurely is called full closer of the loan. This is very much possible in Home Loan once the lock in period of the loan is over. This exit clause is always mentioned in the Loan Agreement signed with the bank. In Home Loan you can prepay the loan with no penalties as per New RBI guidelines.
And how long is this sanction letter valid in Home Loan?
In Home Loan the sanction letter is valid for 3 months to give you sufficient time to choose a flat/house of your choice.
What security/collateral do I have to provide in Home Loan?
The property which you will be purchasing itself will be mortgage with the bank.
Does the property have to be insured in Home Loan?
Yes , property has to be insured in case of Home Loan.
What is the Floating Rate of Interest in Home Loan?
This is the rate of interest that fluctuates according to the market lending rate.
In Home Loan can I apply jointly with my spouse? Will both our salaries be taken into consideration for calculating the loan amount?
Yes, your salaries can be clubbed for the purpose of calculation of the loan amount. This can be done either when the property is jointly held with the spouse or the spouse stands as a guarantor.
How can I repay my loan in Home Loan?
The repayment of loan is done through Equated Monthly Installments. It can be paid through Post Dated Cheques (PDC) or Electronic Clearance System (ECS)
How much time does it take for the disbursement of Home Loan?
The processing of Home Loan usually takes approx 15 working days after all the documents are submitted. Subject to clearance of legal and technical of your Property papers.
Should I compare Home Loan online?
Comparing Home Loan online depends on many factors such as your salary/income, company in which you are working, your obligation (existing loan) etc,. In online approach you will get general comparisons while you can get a personalize solution from Creative Finserve, which will help you with the best rate of interest and services for Home Loan.
Should I apply Home Loan online?
There is no process for applying online Home Loan unless and until you have a relationship with the same bank. Mandatorily you need to submit relevant documents and sign the application form to complete the formalities. Creative Finserve gives you a personalized solution for Home Loan, so why to confuse yourself with online approach if you can get better rate of interest and maximum eligibility through Creative Finserve.
Who all can apply Home Loan online?
Customers having online banking can approach their respective banks for Home Loan through net banking and get information about Home Loan. Appling online Home Loan will give you information of your bank, and if you apply through us you will get information about other banks for better rate of interest, foreclosure charges, tenure and processing fees.
What are the drawbacks on applying for Home Loan online?
Appling online Home Loan will give you information about particular bank. And if you apply through us our professionals will get exciting offers from other banks for better rate of interest, foreclosure charges, tenure and processing fees.
What is Home Loan eligibility calculator?
Home Loan eligibility calculator is a mechanism where you can calculate your Home Loan eligibility by sharing your information such as your salary/income. This loan eligibility calculator cannot get you the exact loan amount so we recommend you to get in touch with our professional team to serve you better.
How to get best rate of interest for Home Loan?
Rather than hunting in the market or approaching unprofessional consultants for better offers give your few details and upload your few documents and get a personalized solution for your Home Loan for better rate of interest in few minutes from our professional team.
How will I get best rate of interest for Home Loan?
Since Creative Finserve has immense experience and tied up with all multinational and private banks, we would be able to guide you and give you the best deal available in Home Loan.
What is Home Loan EMI calculator?
Home Loan emi calculator is a process where you will be able to come to know the exact Home Loan emi (installments) which includes principal and interest component according to your requirements.
How to choose the right bank for my Home Loan?
Choosing a right bank for Home Loan is a cumbersome process, Creative Finserve guides you properly according to your requirements and gives you a personalize solution for your Home Loan.
How I will come to know whether my Home Loan is sanctioned or rejected?
Once your Home Loan is sanctioned or rejected you will get a sms alert or call from the bank or and if you have applied through us we will coordinate with the respective banks and inform you.
What is preapproved Home Loan?
If you are a account holder or a credit card holder with multinational or private banks with good track record and healthy transactions banks might offer you a preapproved Home Loan. Sometimes preapproved loans are costlier affair because banks offer you at higher rate of interest, so we recommend you to call us or upload your documents for personalized solution to get best offers on Home Loan available in the market.
Is balance transfer of Home Loan suggested?
It depends upon the current rate of interest of your existing Home Loan as against the rate of interest available in the market. We recommend you to compare both the offers in our loan comparison calculator or else call us to get a personalized solution for your Home Loan.
Can I avail a Home Loan in India if I am an NRI (Non Resident Indian)?
Yes, few banks offer Home Loan to Non Resident Indians for buying a property in India. So if you are interested in Home Loan please contact our customer care or upload your documents through our website. After uploading your documents you will get a personalized solution for your Home Loan requirement.
What is the difference between Home Loan & Mortgage Loan?
The loan availed to purchase a new residential property (builder purchase or resale) is called Home Loan. Loan taken by hypothecation of property (residential / commercial) is known as Loan Against Property. The money procured by this type of loan can be used for many different purposes. Any one qualifying the parameters of income & property can avail Home Loan or Loan Against Property.
How do I know about my eligibility for a Home Loan?

The Thumb rule for calculating eligibility in Home Loan:

• Net salary per month is calculated after tax deductions then 40% to 65% of that amount is taken as loan servicing capability.

• If one has additional income like Incentives, Overtime, LTA, Medical Reimbursements, Car Allowance, it is averaged out to per month income and then it is added to income.

• If you have any ongoing EMI then it is deducted from the income, this amount is then divided by EMI per lac for the considered term, The arrived figure is the eligibility in lacs.

• Every bank has its own method for calculating eligibility so Creative Finserve team will work on the basis of the details provided by you to get the best deal.

Can the co-applicant's income get included in Home Loan when banks calculate my eligibility?

• Yes in Home Loan the banks also add-up the co-applicants income to determine the eligibility.

• The eligibility is based on the years remaining for retirement & the income.

• The banks readily add-up Spouse & parents income.

How long will it take for the financial institution to approve my Home Loan?

Most of the Lenders sanction Home Loan for salaried customer in 7 working days; for Self Employed the time taken for sanctioning a case can be longer as various verification and calculations are involved & there is also "Personal Discussion" done at the place of customer office.

What is EMI in Home Loan?

"EMI" is Equated Monthly Installment.

The installment paid while servicing the loan is equal for the whole tenure.

The composition of EMI = Principal Amt + Interest.

What is Fixed interest rate in Home Loan?

In Home Loan Rate of interest will remain same throughout the tenure is fixed interest rate.

What is Reducing interest rate in Home Loan?
Interest which is charged on the reduced outstanding principal amount (Loan Amount).
What is Floating interest rate in Home Loan?
It is also called Variable Rate of Interest:- Here the rate of interest changes according to the banks policy, it is also known as floating Rate of Interest.
Can the loan amount be decreased after the Home Loan is sanctioned?

Yes, the loan amount can be decreased by the Bank if the customer's requirement is lesser than the sanctioned amount.

Can the loan amount be increased in Home Loan after sanctioning?

Yes in few conditions you can get the loan amount enhanced / revised.

For E.g

If the income eligibility is there and you have applied for lesser loan amount or,

If you have not added co-applicants income while applying the loan or,

If your salary has increased after your Home Loan sanctioned than with the revised salary slip you can ask bank to increase the loan amount.

What is Pre-EMI in Home Loan?

Where you have availed only a part of Home Loan, you would be required to pay Banks/NBFC only the interest on the amount disbursed till the full loan is availed. This interest is called pre-EMI interest and is payable monthly till the final disbursement of Home Loan is made, after which the EMIs would commence.

What does "Pre-Approved Property" mean in Home Loan?

Pre Approved property Home Loan is also called as APF [Approved Project Finance]. This means that the developer had got the legal aspect of the property approved form various banks and NBFC's, Under such circumstances banks need not required to do technical verification if the customer has selected the property in the said project.

What is Carpet area?

Carpet Area is the area enclosed within the walls, actual area to lay the carpet. This area does not include the thickness of the inner walls. It is the actual useable area of an apartment, office, unit, showroom etc.

What is Built Up area?

Built up Area consists of carpet area, area covered by inner and outer walls and additional areas mandated by the authority such as flower beds, dry balcony etc.

What is Super Built-Up area?

Super Built Up Area is the built up area plus proportionate area of common facilities such as the lobby, lifts, shaft, stairs, etc. Sometimes it may also include the common areas such, swimming pool, garden, clubhouse, etc. This term is therefore only applicable in the case of multi-dwelling units.

What is approved plan?

The building plan made by the developer which is approved by the Municipal Corporation or the concerned authority is approved plan.

What is full form of CC & explain?

CC means Commencement Certificate. A commencement certificate is issued by the local authorities to allow the builder to begin construction once all norms have been met. Unless the commencement certificate is granted, the construction is illegal. It is subsequent to the approved plan. During Home Loan CC is very much important document required for sanctioning your loan specially when it is under construction project.

What is full form of OC & explain?

OC means Occupation Certificate. This certificate issued by the local municipal body to the builder /developer once the said building is complete in all respects and fit for occupation. During Home Loan OC is very important document required for sanctioning your loan.

What dose conveyance deed mean?

Conveyance is the act of transferring ownership rights of the property (plot of land where the building is built) from the developer / builder / development authority to the society.

What is share certificate?

In a society share certificate is issued to its members (flat owners); it is a legal document that certifies ownership of a specific distinctive number of shares in a society. Share certificate will bear the seal of the society & will be signed by the Chairman, and the Secretary. During Home Loan Share Certificate is very much important document required for sanctioning your loan.

What is a stamp duty?

It is a duty collected by the state government. It is paid as per the true market value as assessed by the Stamp Office. Stamp duty is decided by the respective State and hence would vary from state to state. When an agreement is to be franked, it needs to be unsigned and undated.

Where is the registration done?

The agreement should be registered with the Sub-Registrar of assurances under the provisions of the Indian Registration Act. Stamp duty is to be paid prior to the Registration.

What is Chain of Agreements in Home Loan?

In Home Loan chain Agreements is chain of all the agreement right from its first purchase from the builder to the present owner. During Home Loan process we need to submit the chain of agreements to the banks/NBFC to do technical and valuation of the said property.

What is the minimum area needed for a residential property In Home Loan?

The minimum area required in Home Loan is 400sqft.It may vary from bank to bank.

What is legal Verification of the property and who does it in Home Loan?

In Home Loan legal verification is a process where all the agreements & documents related to the concerned property are given to a lawyer to verify the legal and title of the concerned property. It is done by panel of qualified lawyers appointed by the Banks/NBFC.

What is called as technical verification and who does it in Home Loan process?

In Home Loan technical is a process where the valuator assigned by the BANK/NBFC evaluate the cost of the property, checks its permissions and the condition of the building. It also checks whether the property is mortgagable and free from all legal issues.

Whait is full form of OCR in Home Loan?

OCR means Own Contribution Receipt. It is the amount paid by the purchaser to his seller and a receipt acquired for the same. It is advisable for the purchaser to pay his own contribution to the builder / seller by cheque and obtain receipts for the same.

What is the full form of NOC in Home Loan & who issues it?

NOC means No Objection Certificate. It is asked by the lenders from builders/society on their letter head. In this letter the builder / society mentions that they have noted in their books the charge created by them on the said property. All Banks/NBFC have their own format which builders/society need to oblige. To obtain this all the dues & transfer charges of the society need to be cleared. It is mandatory to the committee to issue the NOC in the prescribed banks format under Maharashtra Co-operative Society Act, 1960 u/s 79(2)(a).

What is Full form of MV & explain?

MV is called as Market Value. It is the actual cost of the property in a particular area at that point of time.

What is the full form of LTV in Home Loan?

LTV - Loan to Value Ratio It is the percentage of Loan amount that can be provided with respect to the Value of the property.

In Home Loan When is the case disbursed & cheque given to buyer?

The case is disbursed & the cheque is given when all process is complete i.e. Loan agreement is signed, PDC's, ECS, NOC is given. The original documents of the property is mortgaged and submitted & all the pre-disburse conditions is complete.

What is equitable mortgage in Home Loan?

An equitable mortgage is the transfer of an interest in property to a lender as a security for a loan of money on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. Bank/NBFC give this loan by deposit of title deeds of the property (interest) with the lender.

What is Registered mortgage in Home Loan?

In this case property is registered with sub-registrar and charge is created against the property in Government records.

In Home Loan can a fixed rate loan be converted to a floating rate loan and vice versa?

Yes ! This process is called as switching (from fixed to floating & vice versa. Firstly to switch the Bank/NBFC must have attractive fixed / floating rate options. Lenders charge switching charges. This clause is generally mentioned in the loan agreement which is signed before disbursement.

Can I get a Home Loan for purchasing a property overseas?

NO! One cannot get Home Loan from banks to purchase property overseas.

What happens to processing or administrative fees if I don't avail of the disbursement in Home Loan?

Once the case is sanctioned the banks charge the customers Processing / Administrative charges. There is also certain validity of the sanction letter. After that time the bank may or may not revalidate the sanction letter on the charges paid earlier. Even if one dose not avail disbursement banks rarely return charges taken from the customer which they have already collected.

What is Home Loan Balance Transfer?

Home Loan balance transfer is a process where the customer transfers the existing Home Loan from present banker to a new one. This is done either to get a rate benefit or if a customer has a service issue with the bank.

What does 'Agreement to Sell' mean? Does it have to be registered?

The 'Agreement to Sell' in a property transaction is a legal document executed on a stamp paper that records in writing the understanding between the buyer and the seller and all the details of the property such as area, possession date, price etc.
In many Indian states, the Agreement to Sell is required to be registered by law. We suggest that in your own interest you should register the Agreement within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908.

What does encumbrance refer to?

Encumbrance on a property refers to claims or charges on the property due to liabilities such as unpaid loans and bills. It is critical that during your home search you consider properties which are free of encumbrances of any sort.

What is an under construction property?

An under construction property refers to a home which is in the process of being constructed and where possession would be handed over to the buyer at a subsequent date.

In under construction project how is Home Loan disbursal done?

In case of an under construction property, Banks/NBFC will disburse your Home Loan in installments based on the progress of construction, as assessed by Banks/NBFC and not necessarily according to the developer's agreement. You are advised in your own interest to enter into an agreement with the developer wherein the payments are linked to the construction work and not pre-defined on a time-based schedule.

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