Hi dear readers, hope you are doing well, today we will know about How to get Aditya Birla Home Loan, Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.
If you are thinking of building a house and you are short of money then you can join Aditya Birla home loan. Home loan comes under the category of secured loan.
Anyone can take a home loan to build a house, to renovate a house or to buy a house. In this article we will know what is Aditya Birla Home Loan, Aditya Birla Home Loan Under how much loan amount you can take, what is the eligibility for this loan, interest rate etc. That’s why you read this article till the end.
Aditya Birla Home Loan 2024
Friends, home is our place where we make memories with our loved ones. Who does not want to have a house of his own ? Our home is a small piece of heaven for us. But we desperately need money to build a house. In this situation if you do not have money then you can get home loan from Aditya Birla Housing Finance Limited.
You have to apply for home loan. You can apply both online and offline. Aditya Birla many kinds Home Loan Scheme provides. You can get home loan from Aditya Birla Housing Finance Limited (ABFHL) at an attractive interest rate.
Under Pradhan Mantri Awas Yojana you can get subsidy on home loan. Your home loan amount depends on your CIBIL Score, income and other similar factors.
Aditya Birla Home Loan for a tenure of up to 30 years. It also provides you the facility of doing balance transfer. Anyone 21 years of age or older Home Loan can apply.
If you want to apply for Aditya Birla Personal Loan, then you can apply for Personal Loan by clicking on this link “Aditya Birla Personal Loan ”.
Key Features of ABFHL Home Loan
- Loan Name: Aditya Birla Home Loan 2024
- Lending Organization Name: Aditya Birla
- Loan amount: Depends on factors like your CIBIL score, income
- Interest Rate: Starting from 9% pa
- Application Mode: Online / Offline
- Age: 21 Years to 70 Years
- Processing Fee: Up to 1% of the loan amount
- Official Website : https://homefinance.adityabirlacapital.com/home-loan
Aditya Birla Home Loan Interest Rate 2024
Before taking any loan, we need to know about the interest rates of that loan. Because the interest rate plays an important role while calculating your EMI. Aditya Birla Home Loan interest rate starts from 9% p.a. which can go up to 12.50% p.a.
Before taking a personal loan, we should It is important to have information about Personal Loan Interest Rate , in the same way, before taking a home loan, we should Home Loan Interest Rate It is very important to have information about
Purpose of Aditya Birla Home Loan
Any person can take a home loan for construction of his house, to buy a house or to build a house. You can take a home loan for the following purposes :
- loan scheme house construction
- Land acquisition and house construction
- Home Renovation / Renovation / Reconstruction
- house extension
- For construction / purchase / furnishing / beautification / purchase of flats / villas / house plots
- Housing loan / supplementary housing loan to employees of well operated companies for acquisition / subsequent construction of house
Home Loan Amount
The loan amount offered under home loan depends on factors like your income, your credit score, your age. You can check the loan amount for the property value here:
| 30 lakhs | 30 lakh to 75 lakh | 75 lakh plus |
| 90% | 80% | 75% |
Aditya Birla Home Loan Benefits and Features
Now we will give you information about the benefits and features of Aditya Birla Home Loan here. Keeping these features in mind, you can apply for a home loan.
- Any salaried person ( salaried person) and self employed (self -employed) person can apply for Aditya Birla Home Loan.
- The loan amount depends on factors like your income, your credit score, your age.
- You can prepay the home loan.
- You do not have to pay any prepayment charges for the floating interest rate.
- If you are an existing customer of Aditya Birla Housing Finance Limited ( ABFHL) and have a high credit score then you can avail attractive interest rates.
- You have to pay processing fee up to 1% of the loan amount.
- if you Aditya Birla Home Loan If you are facing any kind of problem while taking it, then you can talk to Aditya Birla Home Loan Customer Care Number.
- You have to pay a prepayment fee of 2% of the outstanding principal for all rates except floating interest.
- Here are some other features:
Credit period: You can take this home loan for a tenure of 30 years.
Prepayment Fee: You do not have to pay any prepayment charges on the home loan taken at floating interest rate.
Processing Fee: You have to pay a processing fee of up to 1% of the loan amount.
Rate of interest: The interest rate of this home loan starts from 9% p.a.
Aditya Birla Home Loan Eligibility
You can apply only if you are eligible for this home loan. Eligibility is given here:
- Any salaried person ( salaried person) and self employed (self -employed) person can apply for this home loan.
- Applicant’s minimum age should be 21 years.
- Maximum age of applicant at loan maturity – 60 years for salaried and 70 years for self-employed
- You can take this home loan for a maximum tenure of 30 years.
Aditya Birla Home Loan Branches
Aditya Birla has branches in different places of the country from where you can apply for home loan. Home Loan has branches at the following locations:
| Agra | Ajmer | Ahmedabad |
| Baroda | Bangalore | Aurangabad |
| Bhopal | Bhubaneswar | Chandigarh |
| Dehradun | coimbatore | Chennai |
| Delhi and NCR | Gurgaon | Hyderabad |
| Jodhpur | Indore | Jaipur |
| Kolkata | Ludhiana | Meerut |
| Kanpur | Lucknow | Mumbai |
| Raipur | Noida | Nagpur |
| face | Nashik | Pune |
| Ranchi | Rajkot | Vashi |
| Vijayawada | Visakhapatnam | thane |
| Udaipur |
Aditya Birla Home Loan Documents Required
There are different types of documents for salaried person and for self-employed/professional/partnership/company. Here is the information about the documents :
| Purpose | salaried | Self Employed/Professional/Partnership/Company |
| Identity and address proof | Passport, Voter ID Card, Pan Card, Driving License, NREGA Job Card, Aadhar Card, Registration Certificate | Passport, Voter ID Card, Pan Card, Driving License, NREGA Job Card, Aadhar Card, Registration Certificate |
| proof of income | 3 months salary slip and Form 16 showing all deductions | IT Returns or Financial Documents for the last 2 years and Computation of Income for the last 2 years as certified by CA |
| Bank statement where salary or income is credited | latest 6 months | latest 6 months |
| Proof of other income | Documents showing rent receipts or income receipts | |
| property document | Copy of Title documents and approved sanction plan |
Aditya Birla Home Loan Types
Aditya Birla offers a wide variety of Home Loan customers. Here information about the types of home loan schemes is given. You can apply for what you are eligible for :
- Home Extension Loan
- Home Improvement Loan
- Plot & Home Construction Loan
- Home Construction Loan
Aditya Birla Housing Finance Loan Apply
If you fulfill all the conditions of Aditya Birla Housing Finance Limited ( ABFHL) then you can apply for this home loan. You can apply both online and offline. If you want to apply offline then you can do it by visiting your nearest branch. If you want to apply online then follow the steps given below :
Apply Online
- For apply online, you must first visit the official website of Aditya Birla Capital https://www.adityabirlacapital.com/.
- On the home page of the website, the option of Home Finance will appear in the option of Financing, click on it.
- On the next page, the home loan scheme will come in front of you. You will see the option of Know More in front of the home loan for which you want to apply, click on it.
- After clicking, all the information related to that home loan will come in front of you.
- To apply, you will see the option of Apply Now on this page, click on it.
- A form will open in front of you. After entering the requested information in it, you have to click on send.
- After clicking, your request will go to the concerned loan institution. After that the lending institution will contact you and will proceed with the loan process.
How to apply offline?
- To apply offline, you have to first go to your nearest Aditya Birla Finance branch.
- Visit the branch and contact the branch employee who will provide you complete information about the home loan.
- Then your documents will be verified.
- You will be given a form which you have to fill and attach the documents with it and submit it there.
- If your loan is approved then the loan amount will be transferred to your bank account.
Aditya Birla Home Loan Fees & Charges
The above charges constitute the rack rate for all customers. The actual charges for any customer, if different, will be intimated at the time of loan sanction and disbursement and will be subject to change from time to time. Fees and other charges (Applicable GST @ 18% will be levied on these charges).
| transaction _ _ | fee |
| processing fee | 1% of the loan amount |
| Part Payment / Pre-closure Charges | On floating rate – Nil 2% of principal outstanding for all other rates |
| Non-compliance with any contract / stipulated conditions | 2% per month |
| NACH Failure Fee | ₹ 750/- per instance |
| accrued interest | Based on actual delayed position or as notified by the Lender from time to time as applicable |
| CERSAI Fee | When Facility Amount is equal to or less than ₹.5 Lakh – ₹.50 Per Property When Facility Amount is more than ₹ 5 Lakh – ₹ 100 Per Property |
| Pre-closure quote | ₹ 1,000/ per instance |
| Request for copies of any collateral held with ABHFL | ₹ 750/ Per Instance |
| Any other document held with duplicate statement/repayment schedule/ABHFL request | ₹ 200/ per instance |
| Check Return Fee / ECS Failure Fee | ₹ 750/ Per Instance |
| CIBIL Report Recovery Charges | ₹ 50/- per instance for consumer and ₹ 500/- for commercial CIBIL |
| loan rescheduling fee | 0.50% |
| NOC issuance fee | ₹ 50 0 |
| cancellation fee if any | 4.00% of the loan amount disbursed |
| swap fee | 2% of outstanding debt |
| Stamp Duty Legal and Other Statutory Charges Insurance Premium Roc. Creation charge with | as per actual, where applicable |
Aditya How to check birla housing finance loan status ?
applied for a home loan, then you can track the status of your application in a variety of ways. Here are the ways to track the status of the application:
- from customer care number You can check the status of your application by calling Aditya Birla Home Loan customer care number 1800-270-7000.
- Branch Visit – You can also check the status of your application by visiting your nearest branch.
- Through Email ID – Applicant can send a mail to the authorized mail id of Loan Processing Department or Customer Service Department. All relevant information has to be mentioned in the email, and the applicant will be informed about the status in reply.
- Through Official Website – First of all you have to go to the official website of Aditya Birla. After that click on the option of Application Status. After that a page will open in front of you where you can track the status of your application by entering the information.
- through net banking If you are an existing customer of the lending institution, you can apply online and track the status of the application. Simply login to the net banking application, go to the loan section and check the status of your submitted application.
Aditya Birla Home Loan Customer Care Number
Any person can apply for home loan by reading this article. All the information related to home loan is given in this article. But if you are facing any kind of problem in applying for Aditya Home Loan or you want to get more information about this home loan, then you can contact on the helpline number given below:
- Customer Care Number 1800-270-7000
My Final Word:
In this article we have you Complete information is given about Aditya Birla Home Loan. If you want to take advantage of this home loan, then you can apply by reading this article. If you are facing any kind of problem in taking loan then you can contact on its helpline number.
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FAQs on Aditya Brila Home Loan
Q. What is Aditya Birla Home Loan ?
Ans. When a person takes a loan to build a house, buy a house or renovate a house, it is a home loan.
Q. What is the interest rate of Aditya Birla Home Loan ?
Ans. The interest rate of this loan starts from 9% per annum.
Q. Who can apply for Aditya Birla home loan ?
Ans. Any person whose age is from 21 years to 70 years can apply for this loan.
Q. How to apply for Aditya Birla Home Loan ?
Ans. Complete information about applying for this home loan is given in this article. You can apply for this loan by reading this article.
Q. How much loan can I get under Aditya Birla Capital Home Loan ?
Ans. Depends on the repayment tenure and credit history of the applicant.