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Home Loans

For Purchase of Dwelling Unit i.e. Flat, Row House,
Bungalow under construction or Ready possession, first sale or resale.



Housing Loan:
For Purchase of Dwelling Unit i.e. Flat, Row House, Bungalow under construction or Ready possession, first sale or resale. Housing Loans upto Rs. 70.00 Lacs for Buying a new house and housing mortgage loan upto Rs. 40.00 Lacs for Renovating Existing house.

Benifits:
Loan Limit : is maximum Upto Rs. 70.00 Lacs.
Repayment : i. Maximum 240 months inclusive of moratorium period of maximum 18 months or till the retirement age if Salaried whichever is earlier.
ii. In case of Takeover loan Maximum repayment tenure till residual tenure of earlier sanction or actual whichever is less.
No Pre-payment Penalty.
Rate of Interest : is Applicable from time to time.
Service Charges : are Applicable from time to time.
Margin : is Applicable from time to time.


Eligibilty:
For Salaried Persons :
i. Employees of reputed and financially sound organization.
ii. Minimum Gross take home salary of INR.15,000/- per month.

For businessmen & Professionals :
Business should have establishment of minimum of 3 years.

Co-Applicant :
Co-Owners of dwelling unit must be taken as Co-applicant.
Spouse /parents of the applicant other than Co-owners can be taken as Co-applicant.

Documents:
Duly filled form with :
i. Income Proof of Applicant(s) & Guarantor(s)
ii. Residential Proof of Applicant(s) & Guarantor(s)
iii. Property Documents
iv. PAN Card of Applicant(s) & Guarantor(s)
v. KYC of Applicant(s) & Guarantor(s)

Prime Security : Dwelling Unit/s under construction/ready possession to be purchased.
Two Acceptable Guarantors and Security holders to be also taken as guarantors.

Other Charges : One Upfront EMI, Franking Charges, CERSAI, Filing Mortgage, Insurance of property,Legal charges etc.(Valuation, Sanction Confirmation if applicable)



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