Aditya Birla Home Loan

Aditya Birla Housing Finance Home Loan India

Aditya Birla Home Loans in IndiaApply Now

Aditya Birla Group Home Loan offers you a variety of Home Loan products.

aditya birla home loan india noida delhi review
  • Home Loans: ABHFL offers simple home loan to buy your dream home. Buy home with ABHFL and make your dream come true. This is customer friendly product specially designed for home buyers.

  • Home Extension Loan: Home extension loan comes to play when you already possess a home but you want to extend it as per your requirements and convenience. This loan also provides fund for the repairing of your home.

  • Plot and Home Construction Loan: This product is specially designed for the people who prefer to buy a vacant plot and then intends to construct their home as per their specifications instead of buying already constructed property or builder flats.
  • Home Construction Loan: If you own a land and want to construct a residential property on it then this product is for you. This product provides you fund for construction of property on already owned land.
Features & Benefits of ABHFL Home Loan
  • ABHFL offers exclusive & attractive interest rates for its customers.

  • Maximum loan tenure is 30 years

  • ABHFL provides quick & transparent processing system of your home loan

  • ABHFL gives you a chance to choose between simple EMIs or structured repaymentse

  • There are no pre-payment charges for individuals availed home loan on floating rate of interest
  • If you wish to transfer your balance then also ABHFL offers attractive options
Charges and Other Fee associated with Home Loan
Transaction   Charges
 
Loan Processing /Administration Fee   Home Loans : Up-to 1% of the loan amount
Other Loans : Up-to 2% of the loan amount
 
Pre-payment Charges:
Pre-closure is allowed after 12 months from loan
disbursement date for Long Term Loans Any part pre-payments made in the last 12 months prior to closure will be counted towards the pre-closure charges
  Floating rate loans given to individuals, where all applicants and co-applicants are individuals: Nil
Home Loans (other than floating rate Home Loans to individuals): 2% of principal outstanding
Loan against Property & Lease Rental Discounting: 4% of principal outstanding.
 
Other Charges: Default Penal Interest Rate / Non Conformance with any covenants / stipulated conditions   24% p.a. i.e. 2% per month
 
ECS failure charges   750/- per instance
 
Accrued Interest   As applicable based on actual delayed status or as communicated by the lender from time to time
 
CERSAI charges   When facility amount is equal to 5 lacs or lesser – 250+ST per property.
When facility amount is greater than 5 lacs – 500+ST per property You may visit the website of CERSAI for all such charges at www.cersai.org.in
 
Pre-closure quote   1,000/- per instance
 
Request for Copies of any collateral held with ABHFL   750/- per instance
 
Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request   200/- per instance
 
Charge For Exchanging ECS mandate   750/- per instance
 
CIBIL report retrieval fee   50/- per instance for Consumer and 500/- for Commercial CIBIL
 
Loan Re-schedulement (at discretion of ABHFL) charges   0.50% of the loan outstanding + Service Tax
 
NOC issuance charges   500 + Service Tax
 
Swap Charges (Fixed or semi-fixed rate to floating and vice-versa at discretion of ABHFL)   2% of the loan outstanding
 
Stamp Duty
Legal and other statutory charges
Insurance Premium
Creation charge with ROC
  As per actual, where applicable

 

Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.

Documentation required for ABHFL Home Loan

For Salaried Person:-

  • EMI Calculator for Personal Loan helps in finding: applications
    • Proof of Identity and Address: Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Adhaar Card or Registration certificate or PAN card (PAN Card only as identity proof) or any other document as acceptable to ABHFL

    • Proof of Income: Latest 3 months salary slip showing all deductions & Form 16

    • Bank statement where salary or income is credited: Latest 6 months

    • Proof Other Income: Rental receipts or documents showing receipt of income

    • Property Documents: Copy of Title documents and approved sanction plan
For Self employed/ professional Person:-
  • Proof of Identity and Address: Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Adhaar Card or Registration certificate or PAN card (PAN Card only as identity proof) or any other document as acceptable to ABHFL
  • Proof of Income: IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years Bank statement where income is credited:-Latest 6 months
  • Proof Other Income: Rental receipts or documents showing receipt of income
  • Property Documents: Copy of Title documents and approved sanction plan

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