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Aadhar Housing Finance Home Loan

Aadhar Housing Finance Ltd. offers home loan amounts of up to Rs 1 crore @ 11.75% p.a. onwards for tenures of up to 30 years. It is one of the largest affordable housing finance companies, which primarily focuses on the home financing needs of low-income groups. It provides curated tailor-made financial services for customer segments with monthly income between Rs 5,000 to Rs 50,000 and above. Read on to know more about Aadhar Housing Finance Ltd. Home Loans.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
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Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Aadhar Housing Finance Home Loan Highlights

Interest Rate 11.75%-17.00% p.a.
Loan Amount Up to Rs 1 crore
Loan Tenure Up to 30 years
Processing Charges Up to Rs 3,500

Aadhar Housing Finance Home Loan Interest Rates 

Aadhaar Housing Finance home loan interest rates start from 11.75% p.a. onwards. The lender offers differential interest rates depending on the job profile of its applicants.

Customer Type Home Loan Interest Rate
Salaried 11.75% p.a. to 16.50% p.a.
Self-employed 12.75% p.a. to 17.00% p.a.

Compare Home Loan Interest Rates with Other Lenders

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Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.35% p.a. onwards Check Eligibility
State Bank of India 7.50% p.a. onwards Check Eligibility
Punjab National Bank 7.50% p.a. onwards Check Eligibility
Canara Bank 7.40% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.45% p.a. onwards Check Eligibility
ICICI Bank 8.75% p.a. onwards Check Eligibility
Axis Bank 8.30% p.a. onwards Check Eligibility
Federal Bank 8.75% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.99% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.55% p.a. onwards Check Eligibility
RBL Bank 8.20% p.a. onwards Check Eligibility
Tata Capital Housing Finance 7.75% p.a. onwards Check Eligibility
PNB Housing Finance 8.25% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		 8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 10.50% p.a. onwards Check Eligibility
L&T Finance Limited 8.70% p.a. onwards Check Eligibility
Godrej Housing Finance 7.75% p.a. onwards Check Eligibility
Home First Finance 8.00% p.a. onwards Check Eligibility
Easy Home Finance 11% p.a. onwards Check Eligibility
Piramal Capital Housing Finance 9.49% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.55% p.a. onwards Check Eligibility
Jio Housing Finance 8.20% p.a. onwards Check Eligibility
HDFC Sales Pvt Ltd 7.90% p.a. onwards Check Eligibility

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Aadhar Housing Finance Home Loan Fees and Charges

Processing charges (login fee) Up to Rs 3,500+applicable GST
Documentation charges Rs 2,000 to Rs 5000+applicable GST
(charges vary as per the loan sanction amount slab)
CERSAI charges Rs 100+applicable GST
Administrative charges LAP/NIP/Project loan: Rs 5,100 or 2%+applicable GST as per loan sanction amount slab
Login fee (non-refundable) Rs 3,500+applicable GST
Legal/Valuation/Technical charges Rs 3,000 to Rs 5800+applicable GST (charges vary as per the loan sanction amount slab)
ECS/ACH Bounce/Direct debit/Cheque (per instrument/transaction) Rs 500+applicable GST
ECS/ACH swapping/Direct debit/Cheque (per set) Rs 500+applicable GST
Additional interest on default installment-(EMI/PRE-EMI) 2% of the due amount
Recovery charges (Legal/possession and incidental) As per the actual + applicable GST
Insurance charges As per the actuals
Prepayment For home loan + LAP(at fixed rates): 2% of outstanding loan + applicable GST
For home loan + LAP (at variable rates): NIL
For project loan: 2% of outstanding loan + applicable GST
Conversion charges 0.50% of the outstanding principal and undisbursed amount at the time of conversion
Switch fees Fixed to variable: 1% + applicable GST on outstanding
Variable to fixed: 1.5% + applicable GST on outstanding
Duplicate no dues certificate Rs 500 + applicable GST
Document handling Rs 2,000 + applicable GST
Any type of statement Rs 500 + applicable GST
Copy for property papers Rs 500 + applicable GST

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Types of Aadhar Housing Finance Home Loan

Home Loan for Salaried Employees

  • Purpose: For salaried employees across different sectors and pay grades
  • Interest Rates: 11.75% p.a. to 16.50% p.a.
  • Loan Amount: Up to Rs 1 crore 
  • Tenure: Up to 30 years for individuals receiving salary through bank accounts
    Up to 20 years for those receiving salary in cash
  • LTV ratio: 80% of the actual property cost

Home Loan for Self-employed

  • Purpose: For self-employed individuals, including those lacking formal income documents
  • Interest Rates: 12.75% p.a. to 17.00% p.a.
  • Loan Amount: Up to Rs 1 crore
  • Tenure: Up to 20 years (the borrower should be less than 70 years on loan maturity)
  • LTV ratio: Up to 80% of the cost of the property for loan amount up to Rs 75 lakhs
    Up to 75% in case the loan amount exceeds Rs 75 lakh

Loan for Construction/Plot Purchase

  • Purpose: For Salaried/self-employed professionals to purchase non-agricultural land within Municipal or Local Development Authority limits
  • Loan Amount: Up to Rs 1 crore for plot purchase and up to Rs 1 crore for plot and construction
  • Tenure:Up to 20 years (plot loan only) and up to 30 years (plot + construction loan). The tenure should not exceed the retirement age.
  • LTV ratio:
    • Up to 70% of the plot cost in case of plot purchase only
    • Up to 80% of the construction cost in case of construction

Home Improvement Loan

  • Purpose: For all the home renovation activities such as painting, plumbing, plastering, roofing, flooring, replacement of any non-movable asset, grilling, etc.
  • Loan Amount: Up to Rs 1 crore
  • Tenure:
    • For applicants receiving salary through bank A/c- Up to 30 years
    • For applicants receiving salary in cash- Up to 20 years
    • For Self-employed- Up to 20 years (the borrower should be less than 70 years of age at the time of loan maturity)
  • LTV ratio: Up to 100% of the estimated renovation cost)

Home Extension Loan

  • Purpose: For home extension requirements, such as new room addition or construction of new floors
  • Loan Amount: Up to Rs 1 crore
  • Tenure:
    • For applicants receiving salary through bank A/c- Up to 30 years
    • For applicants receiving salary in cash- Up to 20 years
    • For self-employed- Up to 20 years (the borrower should not be more than 70 years of age at the time of loan maturity)
  • LTV ratio: Up to 100% of the estimated cost of extension

Balance Transfer and Top-up

  • Purpose: For transferring existing home loan availed from another bank/HFC to Aadhar Housing Finance at lower interest rates.
  • Tenure:
    • For applicants receiving salary through bank A/c- Up to 30 years
    • For self-employed- Up to 20 years (subject to retirement age)
    • For applicants receiving salary in cash – Up to 20 years

    Pradhan Mantri Awas Yojna (PMAY)

    • Purpose: A scheme launched by the government to solve housing problems of individuals living in urban areas having an annual household income of up to Rs 6 lakhs.
    • Interest Subsidy: 6.5% (up to Rs 2.67 lakhs)
    • Tenure: Up to 20 years

    Covid-19 Warriors Griha Loan

    • For Covid frontline warriors looking to own a house at lower interest rates
    • Complimentary health insurance (including covid related expenses)
    • Applicants with low credit scores can also apply.
    • Faster application for loan processing

Aadhar Gram Unnati

Purpose:

It ensures safe housing in small towns and districts, irrespective of the social and professional status of the applicant. It involves the following features:

  • No income proof
  • No profession bias
  • Doorstep service
  • Easy repayment
  • No income bias

Products Offered:

  • Plot Purchase Loan
  • Home Purchase Loan
  • Home Construction Loan
  • Home construction + Plot purchase
  • Loan Against Property
  • Balance Transfer
  • Home Extension Loan
  • Home Improvement Loan
  • Commercial Property Construction/Extension Loan

Aadhar Housing Finance Home Loan Eligibility Criteria

For Salaried Individuals

The monthly salary of the loan applicant should be Rs 5,000.

For Self-employed

  • The applicant should be working with a service industry either as self-employed or a trader and should have experience of at least 3 years
  • All the registrations needed by the statutory authorities and local laws are compulsory
  • The business should not be on encroachment land.
  • The business premises should follow approved construction plans

Read more about Home Loan Eligibility Criteria set by Top Lenders

Pradhan Mantri Awas Yojna

  • The family of the beneficiary should comprise of wife, husband, and children (unmarried)
  • In the case of the EWS and LIG category, the owner of the property should be a woman (joint or single)
  • The family of the beneficiary should not own a pucca house in his/her name or in the name of any of his/her family members.
  • The property should be in the urban areas listed by the government

Covid-19 Warriors Griha Loan

For Salaried Employees

  • Municipal Corporation employees
  • Government salaried employees
  • Central and state transport providers
  • Individuals working in medical facilities, for eg., hospitals, pathologies, pharma companies, chemist stores, etc
  • Police departments and armed force employees
  • Private security service providers
  • Employees of banks, HFCs, NBFCs, or other financial institutions

For Self-employed (essential goods provider- retail and wholesale)

  • Owners of general and provisional stores
  • Fruits and vegetable vendors
  • Milk suppliers
  • Employees engaged in medical activities

Aadhar Gram Unnati

The applicant can be from formal and informal groups such as government employees, employees from class 4 & 5 grade, individuals with cash salary and no income proof, and small business owners.

Documents Required for Aadhar Housing Finance Home Loan

Photo ID proof

  • Aadhar card
  • PAN
  • Passport
  • Driving License
  • Voter ID

Residence Proof

  • Electricity Bill
  • Passport
  • Letter from employer
  • Telephone Bill
  • Ration card

For Salaried Individuals

  • Salary slips for the last 3 months
  • Bank statement of last 6 months
  • Details of the company you work with

For Self-employed Businessmen

  • Income Tax Returns for past 3 years
  • Balance sheet and profit and loss account statement for last 3 years attested by a CA
  • Short business profile on the firm’s letterhead
  • Savings and current account statements for the last 1 year
  • Copy of mandatory licenses and registrations such as VAT registration/shop license/established license
  • Form 16A
  • Copy of tax deduction certificate
  • Contract details
  • Copy of advance tax receipt

Self-employed Professionals

  • Copies of educational certificates
  • Copies of professional practice certificates
  • Salary certificates (for instance if doctors have salaried income)
  • CA attested copies of profit and loss account details and balance sheet for the last 3 years.
  • Income Tax Return of the last 3 years
  • Current and savings account statement for the last 1 year
  • Partnership deed copy (if any)
  • Copy of mandatory registrations and licenses
  • Brief business profile on the letterhead of the firm
  • Copy of tax deduction certificate/Form 16A
  • Details of the work contract (if any)
  • Copy of advance tax paid

Also Know about Top 10 Banks for Home Loan

Consumers who intend to apply for home loan with Aadhar Housing Finance can use the Home Loan EMI Calculator to determine the total interest cost and EMIs by entering the interest rate, loan amount and repayment tenure. As soon as the consumers enter the details, the calculator shall instantly prompt with the results. They can also choose their optimal loan tenure after factoring in their unavoidable expenses and existing EMIs, if any.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

Aadhaar Housing Finance offers home loan interest rates ranging between 11.75% p.a. to 17% p.a. depending on the credit profile of the applicants.

Aadhar Housing Finance claims to offer a maximum loan amount of up to Rs 1 crore to its home loan applicants.

Aadhaar Housing Finance has not disclosed the minimum credit score required for availing home loan. However, applicants having a credit score of 700 and above usually have higher chances of availing home loans.

The immediate family members including parents, children or spouse can be the co-applicants to home loIt is mandatory for all the co-owners of the home property to be the co-applicants. However, the co-applicants may or may not be co-owners.

You can apply for Aadhaar Housing Finance home loan directly through the official website of the HFC. You can also visit financial marketplaces like Paisabazaar to apply for Aadhaar Housing Finance.

For home loans availed at floating interest rates, Aadhaar Housing Finance does not charge any foreclosure charges. However, the lender charges 3% of the outstanding loan amount on prepayment of fixed rate home loans.

Yes, you can prepay your home loan availed from Aadhar Housing Finance. The bank does not levy any prepayment charges on home loans at floating rates. However, 2% of outstanding principal is charged on prepaying home loans availed at fixed rates.

The loan amount eligibility is determined on the basis of age, income, liabilities, assets, educational background, stability and continuity of income, investments, etc. of the applicant and co-applicants (in case of joint home loan).

Yes, the HFC charges 0.50% of outstanding principal and undisbursed amount from the Aadhar housing finance home loan applicants at the time of switching to lower interest rate.

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