Aditya Birla Housing Finance
Aditya Birla Housing Finance home loans can be availed at affordable interest rates ranging from 8.80% p.a. to 14.75% p.a. with processing fees of up to 1% of the loan amount. You can get loan amounts ranging from 75% to 90% of the property value for a loan repayment tenure of up to 30 years. There are no prepayment charges for floating rate home loans.
We found 1 Aditya Birla Housing Finance Limited Home Loan
Balance Transfer
Aditya Birla Capital Home Loan
Loan Amount
:₹20L -₹10Cr
Floating
:8.85% - 16.50%
Tenure
:1 - 30 Years
Processing Fee
:Up to 1.00%
See Less
Documents
- KYC-PAN, address & ID proof
- Income proof, bank statement and Property Documents
What you'll love
- No pre-closure and part payment fee for floating rate loan
- No Guarantor required
Perks
Balance Transfer
Top-up Loan Available
Part-Payment Available
No Guarantor Required
Door Step Service
E-Approval
Think about
- Co-applicant required
Aditya Birla Housing Finance Home Loan Details
If you intend to apply for home loans by Aditya Birla Housing Finance Limited (ABHF), here are some important things to know:
Interest Rate | Salaried: 8.80% p.a. to 14.00% p.a. Self-employed: 9.10% p.a. to 14.75% p.a. |
Loan Amount | Minimum: NA, Maximum: Up to 90% of property cost |
Processing Fees | Up to 1% |
Penal Interest Rate | 2% per month (24% p.a.) |
Prepayment/Foreclosure Charges | Nil for floating-rate packages 2% to 4% for fixed-rate packages |
Max Tenure | 30 Years |
Rate Packages Available | Floating/Fixed/Variable |
Each home loan scheme, whether it is from a bank or NBFC, comes with its own set of charges apart from processing fee. Make sure you know more about the fees and charges you'll be expected to pay at various junctures of a home loan process.
Aditya Birla Housing Finance Home Loan Interest Rates
ADHF home loan interest rates are based on a variety of factors, such as the loan amount and tenure, your Credit Score and repayment capacity, among other things. The standard interest rates offered by the company are as follows:
Aditya Birla Home Loan Schemes | Applicable Interest Rate (p.a.) |
Home Loans | Salaried persons: 8.80% p.a. to 14% p.a. Self-employed persons: 8.80% p.a. to 14% p.a. |
Loan Against Property | 10% p.a. to 16.50% p.a. |
Lease Rental Discounting | 10.50% p.a. onwards |
Aditya Birla Housing Finance Limited is one of the most well-known housing finance companies in the country. It offers numerous financing options that cater to the different needs of customers. The company provides financing offers like the home extension loan, home financing loan, plot and construction loan among many others.
Features and Benefits of the Loan:
Some of the features and benefits of the home loans offered by Aditya Birla Housing Finance are mentioned below:
- The company offers competitive interest rates.
- The loan tenure extends
- Individuals do not have to pay any pre-payment charges for floating rate home loans.
- Customers can also choose to transfer the balance amount.
- ABHF also offers quick and transparent loan processing.
- The company offers door step services.
Who are eligible for Aditya Birla Housing Finance home loans?
Mentioned below is the eligibility criteria for home loans provided by Aditya Birla Housing Finance:
- An applicant must be at least 21 years old to apply for a home loan offered by this lender.
- The maximum age of eligibility for this loan is 60 years for salaried applicants and 70 years for self-employed applicants.
- Loan to property value:
Property value | Financing amount |
Up to Rs.30 lakh | 90% |
Rs.30 lakh to Rs.75 lakh | 80% |
Over Rs.75 lakh | 75% |
Documents Required for Aditya Birla Housing Finance Home Loans:
Documents Required for Salaried Individuals:
The documents required for salaried individuals are mentioned below:
Proof of identity and address |
|
Proof of income |
|
Bank statement | Latest 6 months bank statement |
Proof of other income | Receipts or documents of income. For e.g. Rental receipts |
Property documents | A copy of title documents and approved sanction plan |
Documents Required for Self-employed Individuals:
The documents required for self-employed individuals are mentioned below:
Proof of identity and address |
|
Proof of income |
|
Bank statement | Latest 6 months |
Proof of other income | Receipts or documents of income like rental receipts |
Property documents | A copy of title documents and approved sanction plan |
Types of Home Loans offered by Aditya Birla Housing Finance:
The different home loans offered by Aditya Birla Housing Finance are mentioned below:
- Home loan: Aditya Birla Housing Finance offers home loans to help customers finance their dream homes. This loan is flexible in nature and provides consumers the option of choosing their desirable loan tenure and amount.
- Home extension loan: The home extension loan offered by Aditya Birla is ideal for customers who want to extend their living spaces. It covers the costs of building an additional room or space to an already existing structure.
- Home improvement loan: The home improvement loan is aimed at customers who want to renovate their homes. Home renovation can also prove to be a big expense and this loan helps finance that.
- Plot and home construction loan: The plot and construction loan is designed for people who want to buy a plot of land and build a house on it in within a span of a few years. Due to the nature of buying and construction, the loan is disbursed in instalments.
- Home construction loan: The home construction loan Is designed for people who wish to construct a house on a property they already own. This loan can be directly disbursed to the customer or to the engineer or architect of the construction project.
Home Loan EMI calculator
Before applying for a loan, you can easily check the EMI you will be required to pay through Aditya Birla's EMI calculator. Follow the steps mentioned below to access the calculator:
- Log on to the official website of Aditya Birla Housing Finance at https://homefinance.adityabirlacapital.com/
- Scroll down the home page to find the 'Quick links' section.
- Click on the 'EMI Calculator' option in that section.
- It will direct you to the EMI calculator page where you will be required to enter details like the loan amount, loan tenure and interest rate.
- After providing the necessary details, you can view the EMI to be paid in the field next to 'Your EMI is'.
- You can tweak the loan amount and tenure to reach an EMI amount that suits your budget.
- If you are satisfied with the amount, you can proceed to apply for the loan from the same page.
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