Apna Aashiyana Scheme Naini Home Improvement Loan Naini Home TOP-UP Loan Suhana Safar for Vehicle Gyani Naini Sahyog Finance Against Immovable Property Scheme Residential Plot Purchase Scheme

Naini Home TOP-UP Loan (For Existing Housing Loan Customers)

Purpose

All bona fide purposes

Eligibility:

All existing Home Loan Customers having satisfactory conduct of repayment of two years after completion of moratorium period.

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 of 70years for salaried & 75 years for others

Maximum Amount of Finance :

Rs.50.00Lakh

Margin :

10% to 25% depending upon amount of loan

Features :

Top- Up Loan may be allowed up to the maximum period up to which housing loan can be allowed as per the age limit criteria applicable to the respective category of borrower under Apna Aashiyana.

Top –up Loan can be considered maximum -5- times during entire tenure of housing loan provided previous Top –up facility is closed

Processing & Other Charges :

As per banks' Service Charges Booklet

Processing Charges :

0.50% on sanctioned amount plus applicable GST.

Documentation Charges:

Loan Amount

Applicable Charges

Up to Rs.25000/-

Nil

Above Rs.25000/- to Rs.2.00 Lakh

Rs.500/-

Above Rs.2.00 Lakh to Rs.5.00 Lakh

Rs.1000/-

Above Rs.5.00 Lakh to Rs.25.00 Lakh

Rs.4000/-

Above Rs.25 Lakh to Rs.50.00 Lakh

Rs.6000/-

Above Rs.50.00 Lakh to Rs.2.00 Crore

Rs.8000/-

Above Rs.2.00 Crores

Rs.10000/-