|Category || Salaried |
| Home Loan(Term Loan)* |
|Above Rs. 20 lakhs & Upto Rs. 30 lakhs ||Above Rs. 30 lakhs & Upto Rs. 75 lakhs ||Above Rs. 75 lakhs |
|Women || |
|8.35**% p.a. ||8.50-8.55% p.a. ||8.60-8.65% p.a. |
|Others || |
|8.40**% p.a. ||8.55-8.60% p.a. ||8.65-8.70% p.a. |
*Interest rate will vary as per the risk score of the customer
** Special Interest Rates till 31.03.2018
- Processing Fee*
- 0.35% of the loan amount.
- Minimum: Rs. 2,000/-
- Maximum: Rs. 10,000/-
- Processing Fee waived till 31st March 2018
*Plus applicable taxes
- Advocate's fee for property search and title investigation report.
- Valuer's fee for valuation report.
- Stamp duty payable for Loan agreement & mortgage.
- Property insurance premium.
- CERSAI Registration Fee of Rs 50 + GST up to Rs 5 Lakh limit; and Rs 100 + GST for limits above Rs 5 Lakh.
** To be paid at actuals.
List of papers/ documents applicable to all applicants:
- Employer Identity Card
- Loan Application: Completed loan application form duly filled with 3 Passport size photographs
- Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card
- Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card
- Permission for construction (where applicable)
- Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale
- Occupancy Certificate (in case of ready to move property)
- Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, property tax receipt
- Approved Plan copy (Xerox Blueprint) & Registered Development agreement of the builder, Conveyance Deed (For New Property)
- Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller
- Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
- If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
- Salary Slip or Salary Certificate of last 3 months
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.