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Aditya Birla Home Loan

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How To Apply
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Mode of Process

Online

Location

PAN India

Loan Amount and Tenure

Up to 90% of the property value(upto 30 years)

ROI

8.65% Onwards

Processing fees

Up to 1% of the loan amount

ROI (Fixed/Floating)

Floating

Foreclosure

As per Policies

Partial Payment Allowance]

Yes

USP

Aditya Birla Housing Finance Limited offers competitive rates, fast processing, and no prepayment penalties for individual floating-rate home loans

Aditya Birla Home Loan EMI Calculator

Interest Type

Loan Amount

₹

Interest Rate

%

Loan Tenure

Mo
Loan Amount₹100,000
Interest %9 %
Tenure (months)12
Emi (monthly)₹ 8,745
Total Interest₹ 4,942
Loan Amount + Interest₹ 104,942
YearTotal Principal
( A )		Total Interest
( B )		Balance
( A + B)		Total Payment Loan Paid Till Date (%)
₹ 57,240₹ 3,975₹ 61,215₹ 42,76057.24 %
Jun₹ 7,995₹ 750₹ 8,745₹ 92,0057.99 %
Jul₹ 8,055₹ 690₹ 8,745₹ 83,95016.05 %
Aug₹ 8,115₹ 630₹ 8,745₹ 75,83524.16 %
Sep₹ 8,176₹ 569₹ 8,745₹ 67,65932.34 %
Oct₹ 8,238₹ 507₹ 8,745₹ 59,42140.58 %
Nov₹ 8,299₹ 446₹ 8,745₹ 51,12248.88 %
Dec₹ 8,362₹ 383₹ 8,745₹ 42,76057.24 %
₹ 42,757₹ 968₹ 43,725₹ 3100.00 %
Jan₹ 8,424₹ 321₹ 8,745₹ 34,33665.66 %
Feb₹ 8,487₹ 258₹ 8,745₹ 25,84974.15 %
Mar₹ 8,551₹ 194₹ 8,745₹ 17,29882.70 %
Apr₹ 8,615₹ 130₹ 8,745₹ 8,68391.32 %
May₹ 8,680₹ 65₹ 8,745₹ 3100.00 %
Work Process

Start with Aditya Birla Home Loan in few steps

If you are planning to apply for a home loan at Bank Of Baroda Home Loan there are certain details that you should be aware of, Let’s discuss

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.

Documents and Eligibility

Eligibility for salaried employees

  • Minimum age requirement: 21 years
  • Proof of identity and address: Passport/Voter ID/ Driving license/Aadhaar card/PAN card
  • Proof of income: Salary slips of last 3 months, Form 16, bank statement of latest 6 months
  • Proof of other income: Receipts or documents of income like rental receipts
  • The minimum CIBIL score should be 700

Eligibility for self-employed employees

  • Minimum age requirement: 21 years
  • Proof of identity and address: Passport/ Voter ID/ Driving license/ Aadhaar card/PAN card
  • Proof of income: GST returns, financial documents for last 2 years, Bank statement of latest 6 months
  • Proof of other income: Receipts or documents of income like rental receipts
  • The minimum CIBIL score should be 700
  • The applicant should be filling ITR for the last 3 years

List of common documents:

Application form duly completed with a photograph

Identity proof - PAN Card

Address proof - Adhaar Card

Age proof-should be any of these: PAN Card, birth certificate, passport

Apply for Loan

Other documents

For salaried

  • Salary slips of the last 3 months.
  • Form 16 and ITR statement of last 2 year
  • Bank statements for the last 6 months.
  • Rent receipts if any.
  • Identity proof of the employee.

For self-employed individuals

  • ITR reports of the last 3 years.
  • Financial statements or documents of the last 2 years
  • Bank statements for the last 6 months
  • Business registration certificate.

About Aditya Birla Home Loan

Buying a new home is a thought that comes to many people, and along with this thought, there are even some issues in their minds. So, if you want to buy a new home, you should definitely contact Aditya Birla Finance because they have many attractive home loan benefits. Aditya Birla is a leading Finance company these days and has been offering its customers in all aspects for a long time.

Aditya Birla offers customized home loan plans to fulfill your needs and requirements for home loans. They have a really quick and easy processing and disbursal process for home loans. Low processing fees, no hidden processing costs, and no security are the main features of Aditya Birla's home loan. Aditya Birla Finance offers customized home loan options to their customers, which include buying new or old homes; home renovations; home transfers; and also an extension of the existing home.

Different types of Home Loans at Aditya Birla Finance

Let’s have a look at various options of Home Loans available at Aditya Birla Finance:

Home Loans:

Individual or joint home loans for building a home, purchasing new or used property, etcAditya Birla offers home loan options to their customers to buy their dream homes. These home loans are flexible in nature in terms of the loan amount and the loan tenure.

Home extension loan:

Aditya Birla offers loans to their customers who wish to extend their current home structure.

Home improvement loan :

Aditya Birla offers loans to their customers who wish to make some renovations or improvements to their current homes.

Home construction loan:

Aditya Birla offers loans to their customers who wish to buy plots and build their own dream homes as per their needs.

Leave Your Question

FREQUENTLY ASKED QUESTIONS

Yes, you can apply for a top-up loan with Aditya Birla and the loan amount will be based on your CIBVIL profile then.

No, there is no minimum home loan amount that can be applied for with Aditya Birla Finance.

Yes, co-applicant is not mandatory for applying for home loans with Aditya Birla Finance. 

The minimum required CIBIL score to apply for Aditya Birla Home Loan is 750.

No, you can’t apply for a Home Loan at Aditya Birla if you don’t have a salary slip, as it represents your capability to repay the loan amount on time.

The maximum loan amount that can be availed through Aditya Birla Finance Home Loan is up to Rs. 5 crores, depending on the borrower's eligibility criteria.

The interest rate for Aditya Birla Finance Home Loan may vary depending on the borrower's eligibility criteria and loan amount. Generally, the interest rate starts from 8.65%.

Aditya Birla Finance The documents required to apply for Aditya Birla Finance Home Loan include identity proof, address proof, income proof, property documents, and bank statements.

Aditya Birla Finance The loan repayment period for Aditya Birla Finance Home Loan may vary depending on the borrower's eligibility criteria and loan amount. Generally, the lender offers a repayment period of up to 30 years.

 Aditya Birla Finance offers various types of home loans such as home purchase loans, home construction loans, home improvement loans, and home extension loans.

The processing fee for Aditya Birla Finance Home Loan may vary depending on the loan amount and the lender's policies. Generally, the lender charges a processing fee of up to 1% of the loan amount.

 Yes, Aditya Birla Finance Home Loan can be applied online through the lender's website. Applicants can fill in the online application form and submit the required documents online.

Yes, borrowers can prepay Aditya Birla Finance Home Loan without any penalty charges. However, borrowers should read the loan agreement carefully to understand the terms and conditions related to prepayment.

Aditya Birla Finance typically takes 7-10 working days to process a home loan application, subject to the submission of all required documents and completion of the verification process.

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