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Adhar Housing Loan Against Property
Aadhar Housing Finance Ltd. is a housing finance firm that takes pleasure in offering individuals from different walks of life appealing financing solutions to help them realize their goal of possessing a home. It helps those with monthly incomes as low as INR 5,000. Professional Teachers, police officials, soldiers, personnel from the armed forces, as well as grade III and IV workers of private firms, governmental organizations, and railroads, are among the salaried candidates for an Aadhar Housing Finance Loan Against Property. The company's roster of independently-employed home loan clients includes Kirana-type shop owners, relatively small vendors, plumbing professionals, and carpenters, as well as those who operate in the textile, supplies, book, garment, mobile, as well as other sectors.
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Adhar Housing Loan Against Property
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Adhar Housing Loan Against PropertyHere are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 600+ & Minus 1 CIBIL Score |
| Applicant | Any Salaried or Self Employed Person |
| Applicant Age | Salaried-21 Year to 65 Year, Self Employed-23 Year to 70 Year |
| Loan Amount & Tenure | 5
Lac to 70 Lac (5 Year to 15 Year) |
| Login Fees | 4130+ |
| Rate of Interest & Type | 12.50% to 18% (Reducing) |
| TAT | Sanction-10
Days Disbursement-within 3 days after submission of documents |
| Processing Fees | 1.50%-3% |
| Foreclosure Charges | Insurance Charges:2%-4% |
| Insurance | 1%-4% |
| Minimum Business Vintage | 1 Year |
| Lock In Period | 12 month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-70% (ii) Commercial-60% (iii) Residential/Commercial Plot-50%
(iv) if residential property is rented/vacant then LTV will be 10% lower (v) If Commercial Property Puchase/vacant/rented then LTV will be 10% lower |
| Product | (i) Fresh Loan (ii) BT+Top UP (iii) Seller BT |
| Program | (i)
LIP Program-70 Lac (ii) Without ITR-30 Lac (iii) Income Program-70 Lac (iv) Low LTV-70 Lac (v) Banking-70 Lac (vi)GST Program-70 Lac |
| FOIR | (i) Salaried:Salary<40K-50% of Net Salary,If Salary>40K-60% of Salary (ii) Self Employed: 80% of Income |
| Cautious Profile | No Cautious Profile |
| Negative Profile | (i) Politician (ii) Person living in domintaed area |
| Funded Property | (i)
Residential Property (ii) Commecial Property (iii) Residential/Commercial
Plot (iv) Khasra-Khatauni Property (v) Lal Dora Property (vi) Un-approved Property (vii) Gram Panchayat Property (viii) Legal & technical not clear (ix) Bachha Flat (x) Basement with 1st Floor (xi) Sub-divided Property (xii) Without MAP Property (xiii) Subject to Sale Deed (xiv) Regularized Colony (xv) Stone Slab Property (xvi)Ground+5th Floor (xvii) Multi Tanented unit upto 10 Tanent |
| Negative Property | (i)
GPA Property (ii) Auction Property (iii) Industrial Property (iv) Industrial
Plot (v) School (vi) Hospital & Nursing Home (vii) Hotel & Restaurant (viii) Lease Hold Property without PTM |
| Accepted Collateral | Other than negative property |
| Specific Property wise Funding Limit | On All Property upto 70 Lac |
| Any Specfic Product for Professionals | No |
| USP | Funding on all type of property & on low cibil score |
| Additional | Funding on Ground+5th Floor too without MAP |
Adhar Housing Loan Against Property EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 12 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 8,885 |
| Total Interest | ₹ 6,619 |
| Loan Amount + Interest | ₹ 106,619 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 23,892 | ₹ 2,763 | ₹ 26,655 | ₹ 76,108 | 23.89 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ₹ 76,109 | ₹ 3,856 | ₹ 79,965 | ₹ 0 | 100.00 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Required Documents to Apply for Adhar Housing Loan Against Property
Salaried income documents
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KYC of applicant & Co-Applicant
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Last 3 Month Salary Slip of Applicant
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Last 12 month Bank Statement of applicant & co-applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 2 Year Form 16 of applicant
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26AS of last 2 year of applicant & co-applicant
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Appointment letter of applicant if available
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Latest utility Bill if owned residence or rent agreement if rented
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2 Reference with contact details
Self Employed person documents
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
If Applicant is
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
3. If applicant is professional, then his professional degree is required
About Aadhar Housing Bank Home Loan
Are you trying to find a flexible and affordable financing option? Your aspirations might come true with the help of a loan against property. Make use of the value of your property to get the financial independence you need for anything you require, whether it's growing your business, paying for your child's school, remodelling your house, or reaching any other goal.
Aadhar Housing Finance Ltd. is a housing finance firm that takes pleasure in offering individuals from all walks of life appealing financing solutions to help them achieve their goals.
Key highlights of Adhar Housing Loan Against Property
The sudden need for finances is sometimes unavoidable, whether personally or professionally. So, consider a loan against property as the first and best option for immediate funds. Also, as per the market trends, Adhar Housing Loan Against Property has been acting like a boom because of its lowest interest rates and higher loan amounts. Let us move ahead in this article and learn more about the benefits and other details of Adhar Housing Loan Against Property.
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
FREQUENTLY ASKED QUESTIONS
Customers of Aadhaar Housing have several options for applying for a property loan. You may apply from anywhere by utilizing the online as well as customer service resources, or you can go to the closest branch to speak with a representative about your alternatives before doing so. Consumers can select whichever choice they feel most at ease with.
The bank's investigation and document verification will take at least one week.
Aadhaar Housing property loans have a maximum loan limit of Rs. 1 crore.
With GST, the processing charge might be up to 2% of the amount borrowed.
Yes, a co-applicant for the land should also be a co-owner, although this is not required.
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