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Apna Ashiana Scheme (Housing Loan)

Purpose

Construction / Purchase of Residential House/ Flat.

Purchase of Residential Plot of land and Construction of House.

Takeover of Home Loans from other Banks/ HFCs/NBFCs/ FIs etc

Eligibility:

All individual/s including staff members of our bank who own in his/her name the land on which the proposed house is to be constructed along with construction plan duly approved/sanctioned by competent authority/body. In case the land on which the proposed house is to be constructed stands in the joint names, all the joint owners should be made co-borrowers. The member of registered group housing society & farmers/agriculturists are also eligible under the scheme.

Age :

Minimum age of the applicant must be 21 years; however, the minimum age of the co-applicant/s can be 18 years. Maximum age (Age of applicant + repayment period) of 70 years for salaried & 75 years for others.

Maximum Amount of Finance :

Rs.800.00Lakh

Margin :

10% to 25% depending upon amount of loan

Features :

No Personal Guarantee.

Repayment period of 30years.

The Housing Loan borrowers who avail car loan also may be extended concession of 0.25% on ROI applicable on Car Loan under Suhana Safar Scheme.

Processing & Other Charges :

As per banks' Service Charges Booklet

UNIFIED PROCESSING & DOCUMENTATION CHARGES (Tax Extra)

‘APNA AASHIYANA’- (Housing Loan)

Slab Of Amount Of Finance ( In Lacs)

PCDC Charges (Tax Extra)

<= 5

Nil

>5 & <=10

Rs.1000

>10 & <=20

Rs.2000

>20 & <=30

Rs.3000

>30 & <=50

Rs.4000

>50

Rs.5000

APNA AASHIANA - HOME LOAN: Floating Rate of Interest

CIBIL Score For Term Loan (floating)
800 & above (Salaried with Government and Public Sector Entity / Director / Partner of the firm having credit facility with our bank) NRLLR -1.10
800 & above (Others) NRLLR -1.00
750 to 799 NRLLR -0.80
701 to 749, 0, -1, 3 to 5 NRLLR -0.45
675 to 700 and 1 & 2 NRLLR +0.20
650 to 674 NRLLR +0.60
Less than 650 NRLLR +1.75
Note: The rates given above are inclusive of concession for Credit Life Insurance. Customers who are not opting for Credit Life Insurance will have to pay 0.05% additional interest.

APNA AASHIANA - HOME LOAN: Fixed ROI

CIBIL Score For Term Loan (fixed)
800 & above (Salaried with Government and Public Sector Entity / Director / Partner of the firm having credit facility with our bank) NRLLR +0.90
800 & above (Others) NRLLR +1.00
750 to 799 NRLLR +1.20
701 to 749, 0, -1, 3 to 5 NRLLR +1.55
675 to 700 and 1 & 2 NRLLR +2.20
650 to 674 NRLLR +2.60
Less than 650 NRLLR +3.75
Note: The rates given above are inclusive of concession for Credit Life Insurance. Customers who are not opting for Credit Life Insurance will have to pay 0.05% additional interest.