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Planning to avail loan to purchase new house?

When purchasing a new house, you can avail loan from banks financial institutions and home finance companies. Home loans are easily available and can be paid over a period of time in monthly installments.

Looking for additional finance on your existing home loan ?

Banks, financial institutes and home finance companies provide an easy option of availing additional loan on existing home loan, which can be used to meet expenses towards repair of house, repair, purchase of furniture, fixtures etc. The interest rates charged on Top-up loans is generally approx 2% higher than the housing loan rates.

Looking for home loan on your house which was self financed ?

If you have purchased your house from your own sources and over a period of time you want to get it financed then you can avail this option. Refinance option is available only within six months of getting property registered. Refinance is available at the home loan interest rates.

For any assistance regarding Home Loan Click here

Current Rate Of Interest

Banks / NBFC
Interest Rates
Tenure
Processing Fees
Part & Pre payment charges
HDFC
Up to 30 Lacs 10.40 % and above 30 Lacs 10.65 % Up to 30* years 10000* + Service tax for salaried applicants and .50* % + service tax of the loan amount for self employed applicants. For NRI applicants it may vary. NIL for floating Interest rates Home Loans and 2 % of the principal outstanding on fixed interest rate Home Loans and for LAP

AXIS BANK

Up to 30 Lacs 10.25 % and above 30 Lacs 10.75 % Up to 25* years 10000* + Service tax for salaried applicants and .50* % + service tax of the loan amount for self employed applicants. For NRI applicants it may vary. NIL for floating Interest rates Home Loans and 2 % of the principal outstanding on fixed interest rate Home Loans and for LAP

ICICI BANK

Up to 30 Lacs 10.50 % and above 30 Lacs 10.75 % Up to 20* years 10000* + Service tax for salaried applicants and .50* % + service tax of the loan amount for self employed applicants. For NRI applicants it may vary. NIL for floating Interest rates Home Loans and 2 % of the principal outstanding on fixed interest rate Home Loans and for LAP

List Of Document

Salaried

  • Salary Slip of last 3 months.
  • 6 months bank statement of Salary Account.
  • Form 16 / ITR of last 2 years.
  • PAN Card copy.
  • Photo ID Proof.
  • Residence Proof.
  • Signature Proof.
  • Age Proof.
  • One Photograph.
  • Loan Track Record (if any).

Self Employed

  • Last 2 years Income Tax Acknowledgement.
  • Last 2 years Financials certified by Chartered Accountant.
  • Business Profile.
  • Photo ID Proof.
  • Residence Proof.
  • Signature Proof.
  • Age Proof.
  • One Photograph.
  • Loan Track Record (if any).
  • Business Address Proof

Self Employed Professional

  • Last 2 years financials certified by Chartered Accountant along with Income Tax Acknowledgement.
  • Last 6 months bank statement of Current & Saving Account.
  • PAN Card copy.
  • Photo ID Proof.
  • Residence Proof.
  • Signature Proof.
  • Age Proof.
  • Business Address Proof.
  • Copy of Professional Qualification Certificate / Degree.
  • One Photograph.

Private Ltd Company

  • Salary Certificate.
  • List of Directors.
  • PAN card copy of the company.
  • Last 6 months bank statement reflecting salary credits.
  • Form 16 of last two years.
  • Share holding pattern of the Company certified by a Chartered Accountant.
  • Memorandum & Articles of Association
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