Here are a few factors

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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
Right Documents - Easy Process

Required Documents to Apply for Adhar Housing Loan Against Property

Salaried income documents

  • KYC of applicant & Co-Applicant
  • Last 3 Month Salary Slip of Applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 2 Year Form 16 of applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Appointment letter of applicant if available
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Latest utility Bill if owned residence or rent agreement if rented
  • 2 Reference with contact details

Self Employed person documents

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Some Important Points

1. KYC Means
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
For Co-Applicant
  • 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
2. If LAP is applied with Government Bank then 30 year chain is required
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.

01
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

02
Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Leave Your Question

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.