Aditya Birla Finance Home Loan - http://www.loansandcredits.in/aditya-birla-finance-home-loan/
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Apply Aditya Birla Finance Home Loan

Apply Aditya Birla Finance Home Loan :- accompany a double favorable position - tax cuts and lease sparing. Both these components contribute towards the EMI outpouring.Gratefulness in the property estimation is an extra reward. We guarantee that our clients get most extreme advantages through their home loan.[/vc_column_text][/vc_column][/vc_row][vc_row 0=""][vc_column width="1/2"][contact-form-7 id="3150"][/vc_column][vc_column width="1/2"][vc_column_text]

 

Aditya Birla Finance Home Loan

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

Features & Benefits

Your home is where you build memories with your loved ones. It's your own little piece of heaven. ABFHL presents home loans, especially designed just for you.

	Attractive interest rates
	Loan tenure up to 20 years*
	Quick & transparent processing
	Choose between simple EMIs or structured repayments
	Nil pre-payment charges for floating rate home loans given to individuals
	Attractive balance transfer option available
	​Door step services

* Disclaimer - All loans will be at the sole discretion of ABHFL

​​Eligibility

	Minimum age of applicant - 21 yrs
	Maximum age of applicant at loan maturity - 60 years for salaried, 70 years for self employed
	Loan to property value -
	Upto 30 Lakhs 30 Lakhs to 75 Lakhs More than  75 Lakhs 90 % ​80 % ​​​​​​75 %

 

Documentation

Purpose	Salaried	Self Employed / Professional / Partnership / Company
Proof of I​dentity and Address	Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Adhaar Card or Registration certificate or PAN card (PAN Card only as identity proof) or any other document as acceptable to ABHFL
Proof of Income	Latest 3 months salary slip showing all deductions & Form 16	IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years​
Bank statement where salary or income is credited	Latest 6 months	Latest 6 months
Proof Other Income	Rental receipts or documents showing receipt of income
Property Documents	Copy of Title documents and approved sanction plan

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Loan EMI Calculator

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Fees & Other Charges

Transaction​ Charges​ Loan Processing /Administration Fee​ Home Loans : Up-to 1% of the loan amount Other Loans : Up-to 2% of the loan amount Part Payment/Pre-Closure Charges: Any part pre-payments made in the last 12 months prior to closure will be counted towards the pre-closure charges (applicable for non individuals/ individuals with other than floating rate) Floating rate loans given to indivi​duals, where all applicants and co-applicants are individuals: Nil​ Home Loans (other than floating rate Home Lo​ans to individuals): 2% of principal outstanding Loan against Property & Lease Rental Discounting: 4% of principal outstanding Loan against Property or Lease Rental discounting (other than floating rate loans to individuals): 4% of principal outstanding Other Charges: Default Penal Interest Rate / Non Conformance with any covenants / stipulated conditions 24% p.a. i.e. 2% per month NACH failure charges  750/- per instance Accrued Interest As applicable based on actual delayed status or as communicated by the lender from time to time CERSAI charges (You may visit the website of CERSAI for all such charges at www.cersai.org.in) ​ When facility amount is equal to . 5 lacs or lesser – .50 per property When facility amount is greater than  5 lacs – 100 per property Pre-closure quote  1,000/- per instance Request for Copies of any collateral held with ABHFL  750/- per instance Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request  200/- per instance Cheque Return Charges/ECS failure charges  750/- per instance CIBIL report retrieval fee  50/- per instance for Consumer and  500/- for Commercial CIBIL Loan Re-schedulement (at discretion of ABHFL) charges 0.50% NOC issuance charges  500 Cancellation Charges if any 4.00% of loan amount disbursed Swap Charges (Fixed or semi-fixed rate to floating and vice-versa at discretion of ABHFL) 2% of the loan outstanding Stamp Duty​ Legal and other statutory charges Insurance Premium ​Creation charge with ROC ​ As per actual, where applicable Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.​​ Fees and Other charges (applicable GST @ 18% will be levied on these charges) ​

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