Tag Archives: Aptus Housing Loan

Aptus Housing Finance – Home Loan Eligibility, Interest Rate, EMI Calculator

Aptus Housing Finance – Get Instant Quotes on Home Loan Eligibility from Aptus Home Loan. Check Interest Rate, Monthly EMI Calculator, Documents Required & Processing Fee. 

Aptus Housing Finance – Home Loan Quotes Online

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All loans are on sole discretion on the respective banks

 Aptus Housing Loan Interest Rates

Aptus Housing Loan Interest Rate
Floating Fixed
14.00% – 15.50% 14.5% – 16%

The fixed rate offered would be 0.5% – 1% higher, to provide for the interest rate fluctuations.

Aptus Value Housing Finance Ltd. Is a home loan company which mainly focuses on the housing finance needs of self – employed individuals belonging to low & middle income families primarily from semi urban & rural segment. It covers 92 Branches with Rs. 1058 Crore Loan Book.

Aptus offers home loan for Home Construction/Purchase/Renovation/Extension & Plot Purchase.

FEATURES, BENEFITS & ELIGIBILITY

  • Loan can be availed by self – employed business persons with a minimum amount of ₹ 5 lacs with a maximum of ₹ 25 lacs.
  • Aptus home loan is offered to the Self – employed individuals who are the owners of provision shop , Pharmacy, Bakery, Vegetable vendors, Fruit merchants, Two wheeler service centers, Distributors, Transportation & Fancy stores.
  • The maximum tenure is 20 years for the loan offered & up to 85% of the value of the property.
  • Loan can be easily availed in a swift manner, Once the documents & eligibility procedure is ready.
  • Loan Against Property facility is available for Construction, Purchase & Reimbursement of Home loans.

Aptus Housing Finance Home Loan EMI Calculator

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
 
Monthly EMI
Total Amount with Interest
Flat Interest Rate PA
Flat Interest Rate PM
Total Interest Amount
Yearly Interest Amount

Processing Fee & Charges

PROCESSING FEE & CHARGES OF APTUS HOUSING FINANCE INDIA Ltd.
UP FRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
Processing charges 2% + GST (On the sanctioned value), 1% to be collected at the time of sanction & the balance 1% to be collected/ deducted at the time of disbursement.
Legal report ₹ 1000/- + GST (For loan up to ₹ 10 lacs)
₹ 2000/- GST (For loans more than ₹ 10 lacs)
Part payment charges Non – Housing Loan – 4% on part payment / advance payment + GST
Pre – closure charges Housing loan – Floating interest rates – NIL Charges
Fixed interest rates – Own source (NIL Charges)
Loan transfer – 4% on Principal outstanding + GST
Disbursement cancellation PEMI/EMI Collected upto loan cancellation date will not be refunded.
Penal interest delayed EMI payment 3% per month for number of days delayed in PEMI/EMI payment
CERSAI : At the time of disbursement : Creation of charge ₹ 250/- + GST (For loans up to ₹ 5 lacs)
₹ 500/- + GST (For loans more than ₹ 5 lacs)

 

Documents Required

APTUS HOUSING FINANCE INDIA Ltd.
DOCUMENTS REQUIRED
ID & ADDRESS PROOF FOR SELF – EMPLOYED
Passport Last 2 years income tax returns
Voter’s ID Card Last 2 years computation of returns
Driving License Last 6 months bank statement
Adhaar Card Processing fees cheque
Shop Registration Certificate Other income proof
PAN Card Copy of Title Documents & Approved Sanction Plan

HOW TO APPLY ?

Step 1 : You can simply click on the link to submit the form loansninsurances.com

Step 2 : Fill all the required professional & personal details & Get instant quote on your eligibility, documents required & Other important procedure.

Step 3 : Our representative will get in touch with you to help you further.