Apply for HL/LAP Balance Transfer

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HL/LAP Balance Transfer

Home Loan is a Secured credit provided by financial institutions based on criteria like employment history, repayment capacity, income level, profession and credit history. Home Loan, A sum of money borrowed from a financial institution or bank to purchase a house. Home loans consist of an adjustable or fixed interest rate and payment terms.

Features of Home Loan-:

Loan Amount You Can Avail Home Loan up to 35 Cr Loan Amount as per your income eligibility
Interest Rate Fixed Interest Rate. Starts at 6.95% onwards.
Processing time Only 7 working days Required for Sanction after process your application
Tenure Up To 30 Years
Processing Fee 10000+GST* Or As Per Your Financial Profile
Part payment Part payment available.
Flexible Prepayment Flexible Prepayment option available in Home Loan which makes it attractive.
TAX Benefit You can Claim Annual Tax Benefit Under Section 80-C, 80-EEA &24-B

Eligibility Criteria for Home Loan:

Eligibility Criteria Eligibility Criteria Details
Age Minimum Age 21 years and Maximum 65 Years at the Time of Loan Maturity
Minimum Income 35000 Net Salary Or 5 Lac Gross Annual Income ( ITR )
Cibil Score Minimum CIBIL Score of 700 with No Any Default in Past
Employment Stability Minimum 1 year
Resident INDIAN & NRI
Who Can Avail Business Loan Salaried Person, Self-Employed Business and Self Employed Professionals

Documents Required for Home Loan:

Required documents Required Documents For Salaried Required documents for self-employed business
Photo Passport Size Photo Passport Size Photo
Id proof Pan Card / Aadhar Card / Passport / Voter Id Card / Driving Licence Pan Card / Aadhar Card / Passport / Voter Id Card / Driving Licence
Address proof Aadhar Card / Passport / Voter Id Card / Driving Licence / Mobile Bill / Telephone Bill / Electricity Bill / Water bill ( any one document required for address proof ) Aadhar Card / Passport / Voter Id Card / Driving Licence / Mobile Bill / Telephone Bill / Electricity Bill / Water bill ( any one document required for address proof )
Income documents Latest 3 months salary slip &last 3 years form-16 Last 3 year itr, computation, profit & loss statement, balance sheet, audit report ( if audited ), gst if applicable
Bank statement Latest 6 months Bank statement Last 12 months all Current / od / CC Account Statement
Property paper Complete property paper/ chain required Complete property paper/ chain required
Extra documents Sanction Letter, List of Document (LOD), fore closer ( for BT* only ) Sanction Letter, List of Document (LOD), fore closer ( for BT* only )
Leading Banks Home Loan Interest Rates Details
Bank Name Interest Rates Processing Fees Fore Closure Charges
STANDARD CHARTERED BANK 8.50%-9.00%  0.15%+GST NIL
HDFC BANK 8.50%-8.85%  0.25%+GST NIL
ICICI BANK 8.40%-8.95%  10000+ GST NIL
AXIS BANK 8.30%-8.70%  10000+ GST NIL
L&T FINANCIAL SERVICES 8.45%-9.40%  0.15%+GST
NIL
YES BANK 8.50%-9.00%  10000+ GST NIL
IDFC FIRST BANK 8.85%-9.50%  0.25%+GST NIL
PIRAMAL HOUSING 10.50%-12.50%  1.00%+GST NIL
TATA HOUSING 8.90%-12.00%  1.00%+GST
NIL
PNB HOUSING 8.75%-9.75%  10000+ GST NIL
KOTAK MAHINDRA 8.45%-9.00%  10000+ GST NIL
NOTE:- Mentioned Interest Rates, PF and Charges Are Subject to Change and It is Sole Discretion of RBI, Bank and NBFC.

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