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Piramal Housing Loan

Piramal Housing Loan

Get best Housing Loan with Piramal Housing

Interest Rate

9 - 9.10 %

Processing Fee

0.10

TENURE

30 

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 

Piramal home loan is one of the most popular products in the piramal group with lowest interest rate starting 9%* per annum with up to 20% higher loan eligibility . Customers can enjoy up to 15% reduction in EMI after balance tranfer . They also get a maximum term of 30 years where they can receive up to 90% of the cost of the property and a top-up facility of 20% at an unchanged EMI.

Q1. How many properties can an individual own?

 

An individual can own as many properties as they want.

 

Q2. What do you mean by person resident in India?

 

As per India's Foreign Exchange Management Act (FEMA) 1999, a person resident in India is a person residing in India for more than 182 days during the course of the previous financial year (April-March) and who has come to or stays in India either for employment, business or for any other vocation. 

 

Q3. Who or what is a PIO?

 

PIO(person of Indian origin)means an individual (not a citizen of Pakistan, Bangladesh, Sri Lanka, Afghanistan, China, Iran, Nepal or Bhutan), who at any time has held an Indian passport, or who or either of his parents or grandparents were a citizen of India according to the Indian Constitution or the Citizenship Act, 1955.

 

Q4. What documents should I verify before buying a new property?

 

Following documents are necessary:

Sale Deed

Title Deed

Approved Building plans

Completion Certificate (For Newly constructed property)

Commencement Certificate (For Under-construction property)

Conversion Certificate( If agricultural land is converted to non-agricultural)

Khata Certificate (especially in Bengaluru)

Encumbrance Certificate

Latest Tax Receipts

Occupancy Certificate

 

Q5. Is there any tax benefit for NRI(Non-Resident Indian)?

 

NO. Tax benefits are available only if the NRI files their returns and subsequently become eligible to avail the tax benefits.

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