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Looking for a home loan?

Walk into the home of your dreams! Apply today

Interest Rate

8.80 % - 12 %

Processing Fee

0.33% - 1.00% (Loan amount-Processing fees)

TENURE

Upto 30 years

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ELIGIBILITY

  • Age of the applicant should be 21 years when loan is applied for and 65 years when the loan period ends
  • The applicant should be earning a regular income,either salaried or self employed

DOCUMENTS REQUIRED

  • Application form duly signed
  • Processing fee cheque
  • Property documents
  • Name & date of birth proof
  • Any one address proof
  • Signature proof
  • Identity Proof

Income documents:
(If salaried) Salary slips, Form16 and bank statement

(If self-employed) ITRs with financial statements, bank statement

PRECLOSURE + OTHER CHARGES

  • No charges for prepayment incase the loan is preclosed from own sources
  • Any partial or full prepayment from other sources during fixed interest rate period of the loan will attract prepayment fees of 2% of the amount prepaid
  • No prepayment charges applicable for all payments upto 25% of the principal outstanding(POS) including all prepayments made within preceeding 12 months
  • If prepayment amount exceeds 25% of the principal outstanding(POS) including all prepayments made within preceding 12 months, then the excess prepaid amount of 25% of POS will attract pre-payment as applicable
  • Preclosure/Foreclosure fee is applicable on forclosure payments including all prepayments made within preceding 12 months
  • Transaction handling charges in balance transfer/Resale home loans: INR 2500
  • Technical valuation charges:NIL, included in processing fee
  • PDC/ECS dishonor charges: INR 500/-(home loan),NIL on ECS/PDC
  • Late payment charges: 24% per annum of outstanding EMI
  • PDC/ECS swapping charges: NIL
  • Retrieval charges for copies of loan/porperty document in IB custody: INR 500
  • Charges for statement of account/Amortization schedule: INR 200
  • Registration charges for borrower's ECS mandate(loan repayment): NIL
  • Income tax certificate in home loans: NIL
  • Complaint handeling charges: NIL
  • Charges for certified true copies of title deeds from SRO, if applicable: As per actual
  • Stamping charges of loan agreement: As per actual
  • Stamping charges of other legal documents: As per actual
  • Original property documents retrieval: INR 5000
  • Database admin fee: INR 650
Interest Rate

8.60%* onwards

Processing Fee

0.80% -1.20%

TENURE

Upto 20 Years

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ELIGIBILITY

Age limit for salaried: 23 to 62 yrs

Age limit for self-employed: 25 to 70 yrs

Min Credit Score: 750

Minimum Salary: Rs. 25,000 p.m

Work Exp for salaried: Min 3 yrs

Business continuity: Min 5 yrs

DOCUMENTS REQUIRED

KYC Documents

Address proof

Identity proof

Photograph

Form 16/ latest salary slips

Bank account statements of the last 6 months

Proof of business continuity (for business person, self-employed)

PRECLOSURE + OTHER CHARGES

Individual: Floating rate >1 month - NIl

Non-Individual: Floating rate >1 month - 4% + applicable taxes

All borrowers: Fixed rate >1 month - 4% + applicable taxes

 

For Term Loan, charges are calculated on the outstanding principal.

For Flexi Interest-only Loan, charges are calculated on the sanctioned limit.

For Flexi Term Loan, charges are calculated on the current dropline limit.

 

Other charges:

Loan statement charges-Rs. 50

Interest and principal statement charges-NIL

EMI bounce charges-Rs. 3,000

Penal Interest-2% per month + taxes applicable taxes

Secure fee-Rs. 9999 (One time)

Mortgage origination fee-Rs.1,999 (non-refundable)

Interest Rate

8.70% - 9.40%

Processing Fee

0.50% (Min INR 1500 & Max INR 10000)

TENURE

Upto 30 years

APPLY NOW

ELIGIBILITY

  • Indian National
  • Salaried / Self Employed Individuals
  • For Salaried Individuals - Should be confirmed in the service for > 3 years
  • For Self Employed Individuals (Professional/ Business) - Profesion/ Business should be going on for > 3 years
  • Entry Age < 60 years at time of availing loan & loan liability clearing age < 70 years

DOCUMENTS REQUIRED

  • Loan Application form with 2 Passport size photograph
  • ID Proof + Address Proof + Age Proof
  • Sale Deed + Agreement for Sale
  • Allotment Letter from Owners' Association/ Society/ Builder/ Housing Board if applicable
  • Salary Sertificate + Form 16 for Salaried Individuals
  • ITR + Balance Sheet + P&L Account for last 3 years for Self Employed Individuals

PRECLOSURE + OTHER CHARGES

  • No foreclosure charges for Floating Rate of interest in case of loan transferred to other Bank or NBFC
Interest Rate

8.50% - 11.75%

Processing Fee

Upto 1% ; max 10000 plus taxes

TENURE

3 years to 30 years

APPLY NOW

ELIGIBILITY

  • Age >21 & <65 at the time of maturity of loan
  • Individuals filing tax returns

DOCUMENTS REQUIRED

  • ID Proof documents which can be any of the following - PAN/ Aadhaar/ DL with photo/ Passport/ Voter's ID
  • Residence proof documents - Utility bills / Passport/ DL/ Voter ID/ Aadhaar
  • Income proof documents including Last 3 salary slips + latest form 16 for salaried individuals | IT returns for last 2 years + income computation certified by CA for ast 2 years + 6 months bank statement

PRECLOSURE + OTHER CHARGES

  • No prepayment charges for loans with floating rate of interest
  • 2% prepayment charges including preclosure for fixed rate of interest
Interest Rate

8.35% - 10.10%

Processing Fee

INR 5000 - INR 20000/ 0.50% - 1.50% plus taxes

TENURE

1 year - 30 years

APPLY NOW

ELIGIBILITY

  • Indian resident / NRI
  • Minimum age 21 years
  • Max repayment age - 65 years
  • Salaried or self-employed

DOCUMENTS REQUIRED

  • Proof of Identity: DL/ Voter ID/ Aadhaar Card/ PAN (mandatory) / Valid passport
  • Residence proof: Utility bill/ Employer letter/ Bank statement or copy of passbook/ rent agreement/ sale deed/ Ration card
  • Proof of income: For salaried - Last 2 months salary slip + copy of bank statment for 3 months (if cash salary: Income details on Company letterlead)
  • Proof of income: For Self employed - Computation of income for the last 2 years + Income Tax returns for past 2 years + Bank statement for last 6 months + Certificate of qualification for professionals (CA/ Doctors/ Architects)

PRECLOSURE + OTHER CHARGES

  • No prepayment allowed before 6 months from 1st EMI for both Floating & Fixed Rate of interest
  • No prepayment charges for individual loan being repaid from self sources after 6 EMIs are paid
  • Upto 2% plus applicable taxes for others
Interest Rate

8.50% - 9.50%

Processing Fee

0.50% - 1.50% plus taxes (Max 4500)

TENURE

1 year - 30 years

APPLY NOW

ELIGIBILITY

  • Indian national
  • Age > 21 years and < 60 years

DOCUMENTS REQUIRED

  • Application form with photograph + Processing fee cheque
  • ID Proof & Address Proof + Last 6 months bank statement
  • Income Proof For salaried: Latest salary slip + Form 16
  • Income Proof for Businessmen - Professionals: Proof of business & Educational Qualifications Certificate + Business Profile & Previous 3 years ITR + Previous 3 years Financial statements
  • Income Proof for Agriculturists: Copies of title documents of Agricultural Land depicting Land holding as well as depicting crops being cultivated + Statement of previous 2 years of loans availed

PRECLOSURE + OTHER CHARGES

  • No prepayment charges for individual loan being repaid from self sources
  • Upto 2% plus applicable taxes for loans being foreclosed by funds from other sources
Interest Rate

9 % - 9.05 %

Processing Fee

0.35% of loan amount (Min INR 2000 and Max INR 10000 plus taxes )

TENURE

3 years - 30 years

APPLY NOW

ELIGIBILITY

  • Indian resident / NRI
  • Minimum age 18 years
  • Max repayment age - 70 years

DOCUMENTS REQUIRED

  • Proof of Identity: DL/ Voter ID/ Aadhaar Card/ PAN
  • Proof of Residence: Passport/ Aadhaar/ Utility Bills
  • Prood of income: For salaried - Last 3 months salary slip + Form 16 for last 3 years / For Self employed: Computation of income for the last 2 years + Income Tax returns for past 2 years

PRECLOSURE + OTHER CHARGES

  • No preclosure charges
  • Other Miscallenous costs include Documentation charges, Lawyer fees, Valuer fees, Stamp Duty etc
Interest Rate

9 - 9.10 %

Processing Fee

0.10 - 0.25 %

TENURE

Upto 30 years

APPLY NOW

ELIGIBILITY

Age: 25-40

Salaried Individuals (Both Resident as well as NRI)

Self Employed Individuals (Customized scheme for Doctors, CAs & other Professionals)

Self Employed Non Individuals

DOCUMENTS REQUIRED

ID Proof- PAN, Driving License, Aadhaar

Address Proof- Aadhaar, Utility bills

Income Proof

Salaried: 3 month payslip/form 16, Last 6 months salary a/c statement

Self employed: Latest 2 year ITR, Last 6 months current a/c statement

Processing fee cheque

PRECLOSURE + OTHER CHARGES

N/A 

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Q1.What all do i require to get a home loan?

 

Income of applicant

Age of the applicant

Residential status

No. of dependants

Credit history

Qualification

Existing loans status

 

Q2.Is it complusory to have a co-applicant?

 

NO.It is not compulsory to have a co-applicant but a co-applicant can get you higher eligibility and increase your chances of getting a home loan. A parent, a spouse, even children can be nominated as co-applicants.

 

Q3.What documents would i need at the time of possession?

 

Original registration stamp duty receipts

Original copies of the chain of title agreements and building plan approvals

Possession Letter

Original Share certificate

Proof of payment of all dues(electricity bills, maintenance charges,Property taxes, Phone and water bills until the day of possession

NOC from the concerned body confirming possession

 

Q4.Can I pre close my home loan?

 

Yes. There is an option of pre-closing the loan but then pre-closure charges will be levied accordingly.

 

Q5.what does MCLR stand for?

 

MCLR stands for marginal cost of funds based lending rate. MCLR is the benchmark rate below which the banks cannot provide loans to the customers who are availing loans linked to MCLR. This is applicable for all new loans which have been sanctioned from April 1, 2016 onwards.

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