Vastu Housing Finance Home Loan – Apply & Get best Interest Rate from Vastu Housing. Check Home Loan Eligibility, EMI Calculator, Documents Required & Processing Fee.
Vastu Housing Finance Home Loan Interest Rate
|Segment||Interest Rates||PLR less spread|
|Salaried||12% to 14.5%||4.62% to 2.12%|
|Self – Employed||12.5% to 15%||4.12% to 1.62%|
Vastu Housing Finance – Get Instant Home Loan Quotes Online
Vastu Housing Finance Corporation (VHFC) is a public limited company registered with National Housing Bank (NHB), Incorporated in 2005. VHFC provides loan to the customers in an easy & simplified manner to each and every person with stable income & repayment capacity.
VHFC essentially provides loan to the self – employed segment for the purpose of commercial purchase, Purchase of home (new or re – sale), Construction / Improvement / Extension of house. Composite loans are also provided.
For construction loan, if the construction has commenced within 3 months prior to the date of sanction, refinance will be provided for excess payment already released by borrower.
Features, Benefits, Eligibility & Other Related Information
- Self – employed, small business owners & salaried individual can apply for the home loan.
- The maximum tenure of loan amount is 20 years which may vary accordingly to customer’s profile, age, age of property etc.
- Fixed & floating interest rates ranges from 12% – 18%.
- Maximum loan amount of ₹ 50 lacs can be availed from VHFC.
- Minimum of 21 years to a maximum of 65 years is the age limit to apply for loan.
- Up to 80% of the loan will be sanctioned subject to the cost of property.
Vastu Housing Finance Home Loan EMI Calculator
|Initial Non – refundable Processing fee||Rs 3000 For Home Loans plus applicable taxes and/ or other statutory levies ( payable with application form)|
|Processing fee||Upto 2% of Loan Amount plus applicable taxes and/ or other statutory levies|
|CERSAI charges||Rs.250/- for loan amount upto Rs. 5 lakhs|
|Rs.500/- for loan amount above Rs.5 lakhs|
|Penal Charges for delay in deposit(Applicable on Outstanding instalment Due)||2% per month|
|All the above charges are exclusive of Goods and Services Tax (GST)|
|Salaried Individual||Self employed/Professionals/Businessmen|
|Duly certified latest salary slip||Bank statement for last six months|
|Employment certificate||Copy of last 2 years balance sheet and profit & loss statement, duly certified by CA|
|Latest copy of form – 16||Proof of business premises|
|Latest 3 months salary slips||income tax returns & tax paid challan for last 2 years|
|Copy of Age Proof|
|Copy of Address Proof|
|Copy of bank pass book / Statement of accounts for the last 6 months|