Tag Archives: Aadhar Housing Finance

Aadhar Housing Finance – Home Loan Eligibility, Interest Rate, Apply Online

Aadhar Housing Finance Home Loan – Get Instant Quotes on Home Loan Eligibility, Interest Rate, Loan Amount & Documents Required. Calculate your Home Loan EMI through Online EMI Calculator.  

Aadhar Housing Finance – Instant Quotes Home Loan Online

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Aadhar Housing Finance Ltd. (AHFL) is promoted by Dewan Housing Finance Ltd. The Housing company operates through 13 states which accounts for almost 72% of the total Indian Population. Aadhar Housing Finance provides housing finance to the lower & middle income segment who monthly earn between ₹ 5000 – ₹ 50,000 which includes salaried & self – employed individuals. Salaried individuals are mainly Govt. Grade III & Grade IV employees, Private companies employees, Police & defence forces, Railway employees, Teachers etc.

Home Loan Interest Rate, Processing Fees and Charges from Aadhar Housing Finance

 – Interest Rates – 11.00% onwards

AADHAR HOUSING FINANCE Ltd.
TARIFF SCHEDULE AMOUNT
PROCESSING FEES (Paid along with loan application is non – refundable) Up to 25 lakhs – For HL/ Top – Up on HL – 1.5% & For LAP/NIP/NRPL 2% of the sanction loan amount plus applicable GST OR Govt taxes. Above 25 lakhs – 1% HL/LAP/NIP/NRPL of the sanction Loan Amount Applicable GST or Govt. Taxes.
LEGAL, TECHNICAL & DOCUMENT VERIFICATION For Maharashtra Region – ₹ 4500 + applicable GST or Govt. Taxes. For Rest of India – ₹ 3500 + GST or Govt. Taxes. (Non – refundable)
CERSAI CHARGES For loans below or equal 5 lakhs – ₹ 50/- + applicable GST or Govt. Taxes. For loans above 5 lakhs – ₹ 100 + applicable GST or Govt. Taxes.
OVERDUE/PENAL CHARGES (DEFAULT ON NON PAYMENT OF INSTALMENT – EMI/PEMI) 2% of due amount per month.
PREPAYMENT OF LOANS for home loan/LAP at variable rate – NIL. For home loan/LAP at fixed rate – 2% of the loan outstanding. For project loan – 2% of the loan outstanding.
CONVERSION/SWITCH FEES Fixed to variable – 1% of the loan outstanding + applicable GST or Govt. Taxes. Variable to Fixed – 1.5% of the loan outstanding + applicable GST or Govt. Taxes.

 

Aadhar Housing Finance Home Loan EMI Calculator 

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Home Loan for Salaried Individuals

  • The applicant should have a minimum monthly salary of ₹ 5,000.
  • One can avail a loan amount of up to ₹ 25,00,000/- but not exceeding 80% of the cost of property.
  • The maximum loan tenure is up to 30 (terms & conditions apply) Years which will not extend beyond the Retirement age or 60 years ( 65 years in case of Self – Employed individuals) whichever is earlier.
  • The loan can be applied singly or jointly.

Home Loan for Self – Employed

  • One can avail a loan amount of up to ₹ 25,00,000/- but not exceeding 80% of the cost of property.
  • The applicant should be less than 65 years of age.
  • Self- Employed, trader or the persons engaged in service industry for a minimum period of 5 years in the business.
  • The applicant should be able to contribute at least 20% of the total sum required.
  • Maximum loan tenure is 30 years which should not extend after 65 years of age.
  • Sales Tax Registration or any other registration of business required by statutory authorities / local laws is mandatory for loan application.