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Aditya Birla Home Loan

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Product Rating

4.6 /5

Total - 361 ratings

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Loan Amount

Minimum - 20 Lakhs

Maximum - 10 crores

Location

PAN India

ROI

For salaried employees - 9.00% to 9.75% p.a

For self-employed - 9.00% to 12.50% p.a

Processing fees

Up to 1% of the loan amount or ₹3,000, whichever is higher, plus applicable taxes.

Loan Repayment Tenure

Up to 30 years

Re-Appraisal Of Loan After 6 Months From Sanction

Up to Rs 2,000 plus applicable taxes.

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.

Let’s have a look at the table for a concise view.

Loan Amount

Minimum - 20 Lakhs

Maximum - 10 crores

Location

PAN India

ROI

For salaried employees - 9.00% to 9.75% p.a

For self-employed - 9.00% to 12.50% p.a

Processing fees

Up to 1% of the loan amount or ₹3,000, whichever is higher, plus applicable taxes.

Loan Repayment Tenure

Up to 30 years

Re-Appraisal Of Loan After 6 Months From Sanction

Up to Rs 2,000 plus applicable taxes.

Different types of home loans at the Aditya Birla Finance

The different types of home loans Aditya Birla finance offers are :

Home Loan: Aditya 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.

Documents Required

List of common documents

  1. Application form duly completed with a photograph

  2. Identity proof - PAN Card

  3. Address proof - Adhaar Card

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

Additional documents

For salaried individuals

  1. Salary slips of the last 3 months

  2. Form 16 or ITR reports of the last 2 years

  3. Bank statements for the last 6 months

  4. Rent receipts if any

  5. Identity proof of the employee

For self-employed

  1. ITR return reports of the last 3 years

  2. Financial statements or documents of the last 2 years

  3. Bank statements for the last 6 months

  4. Business registration documents

Eligibility Criteria

For salaried employees

  1. The age of the applicant should be between 21 - 60 years

  2. The monthly income should be at least RS. 25,000

  3. The applicant should have at least 2 years of work experience with the recent employer

  4. The minimum CIBIL score should be 750

  5. The applicant should be filling IT for the last 2 years

For self-employed

  1. The age of the loan applicant should be between 21 - 65 years

  2. The loan applicant's monthly income should be at least Rs. 25000, and his or her annual income should be at least Rs. 3 lakhs.

  3. The business of the applicant should be running smoothly for the last 3 years

  4. The minimum CIBIL score should be 750

  5. The applicant should be filling ITR for the last 3 years.

FREQUENTLY ASKED QUESTIONS

Have a question? We've got answers!

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. 

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