Aavas Finance Home Loan

Aavas Financiers offer home loans @ 8.50% p.a. onwards for a loan amount starting from Rs 1 lakh and for...

Aavas Financiers offer home loans @ 8.50% p.a. onwards for a loan amount starting from Rs 1 lakh and for tenures of up to 30 years. It also provides home loans for purchasing properties from different authorities such as Development Authority, Gram Panchayat, Municipal Corporation/Nagar Palika, RERA approved flats, Freehold, etc. Read on to know more about Aavas Housing Finance Home Loans.

Competitive Interest Rates

Starting 7.40% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

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Lowest interest rates starting from 7.1%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Competitive Interest Rates

Starting 7.40% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Dedicated Customer Support

Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Home Loan EMI Calculator

Amount

₹

₹50 L

₹80 L

₹100 L

₹500 L

₹1000 L

Amount

₹50 L

₹80 L

₹1 Cr

₹5 Cr

₹10 Cr

₹

50K15Cr

Rate of Interest(Per Annum)

6%30%

Tenure

1Y 30Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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HDFC Bank

Min Loan Amt. ₹15L

Rate of Interest7.2% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

ICICI Bank

Min Loan Amt. ₹15L

Rate of Interest7.65% - 9.80%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

Axis Bank

Min Loan Amt. ₹30L

Rate of Interest8.35% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

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Compare & Choose the Best Offer

Curated Offers from Multiple Lenders

Highest Loan Approval Chances

Easy & Transparent Borrowing Process

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.

Aavas Home Loan Highlights

Interest Rates	8.50% p.a. onwards
Loan Amount	Starting at Rs 1 lakh
Tenure	Up to 30 years
Processing Fees	Up to 2% + GST

Aavas Home Loan Interest Rate

The home loan interest rates at Aavas financiers start at 8.50% p.a. onwards. The final rate of interest set for the applicant will depend on the applicant’s age, monthly income, employer’s profile, job profile, loan repayment history, etc.

Compare Home Loan Interest Rates for Top Banks & HFCs

Edit
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

Aavas Finance Home Loan Fees and Charges

Description	Charges
Upfront Charges (Before/During Disbursement)
Processing Charges	Up to 2% + GST
Administrative Fees	Up to 2% + GST
Nonpostal stamp/stamp duty	As per the state law
Non-encumbrance certificate/verification report	Up to Rs 5,000 + GST
RCU Charges	Up to Rs 1,000 + GST
Valuation/Technical Fee	Rs 2,500 + GST (for each report)
Technical visit charges for tranche disbursement	Rs 200 + GST
CERSAI Charges	Rs 100 + GST (loans>5 lakh) Rs 50 + GST (loans<5 lakh)
Completion certificate	Rs 500 + GST
Post Disbursement Documentation Charges	0.20% of loan amount + GST
Customer Service Charges
CERSAI	Rs 100 + GST (loans>5 lakh) Rs 50 + GST (loans<5 lakh)
Part Pre-payment/Foreclosure Charges	In case of Borrower's in Individual Capacity, Loan on the Floating rate of Interest/through own sources (any source other than borrowing from a Bank/HFC/NBFC or Financial Institution): No prepayment Charges. In case Non-Individual Borrower and/or Co-Borrower or Individual Borrower for a Business loan with or without co-borrower or borrowing other than own sources, in case of Fixed Rate of Interest, the charges are as follows: 5%+ GST 3% + GST The customer will be required to submit such documents that the company may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan For Part-payment under category B, following conditions also applicable apart from the above charges: Part-payment is allowed after the completion of 6 months from the date of the first disbursement. Not more than 1 pre-payment is allowed in a quarter
ACH/ECS/Cheque Bounce Charges	Rs 500 + GST
Penal Interest	36% per annum
Duplicate No dues certificate	Rs 500 + GST
Copy of property papers	Rs 500 + GST
Charges for missed due date	Rs 200 + GST
Document retrieval charges	Rs 500 – GST/other statutory charges
Cancellation Charges/Disbursement Cancellation	If requested within 7 days of disbursement- Rs 1,000 + GST If requested after 7 days of disbursement- Rs 1,000 + GST and PEMI till the cancellation request
The duplicate annual account statement, provisional certificate	Rs 500 + GST
Loan pre-payment/closure statement/SOA/repayment schedule charges	Rs 500 + GST
Personal visit to customer’s place for dues collection	Up to Rs 250 + GST
Disbursement cheque cancellation and re-issuance	Rs 1,000 + GST and PEMI
Switch/Conversion/Change in Rate of Interest	Up to 2% + GST
Cheque/ACH Swapping Charges
PDC to PDC	Rs 1,000 + GST
PDC to ACH	NIL
ACH to ACH	Rs 1,000 + GST
ACH to PDC	Rs 1,000 + GST
Complaint Handling Charges	NIL
Foreclosure Charges
Cash Collection Charges	Rs 5 per Rs 1,000 for cash collection + GST
CERSAI	NIL
Document Custodian Fees	Rs 500 + GST

Get a Home Loan For
Your Dream Home

Types of Aavas Home Loan

Plot Purchase and House Construction Loan

Purpose: To finance the purchase of plot and residential house construction on the same plot
Tenure:
- For government/PSU/Private sector salaried- Up to 30 years
- For other salaried- Up to 25 years
- For self-employed- Up to 20 years

Home Improvement Loan

Purpose: For home renovation and giving it a new look, such as adding a new room, adding a new balcony, or other improvements in the existing home
Tenure:
- For self-employed applicants- Up to 20 years
- For government/PSU/Private sector salaried borrowers- Up to 30 years
- For other salaried borrowers- Up to 25 years
Home Loan Balance Transfer
- Purpose: Transfer of existing home loan from some other bank/HFC to Aavas Home Finance to avail the lower interest rate benefits
- Tenure:
  - For other salaried- Up to 25 years
  - For government/PSU/Private sector salaried- Up to 30 years
  - For self-employed- Up to 20 years

Eligibility Criteria for Aavas Financiers Home Loan

The applicants should be salaried (government/PSUs/private sector) or self-employed
Minimum work experience should be at least 1 year or more

Documents Required for Aavas Home Loan

Identity Proof (Salaried/Self-employed)

Voter ID
Passport
Driving License
Aadhar card
PAN card

Address Proof (Salaried/Self-employed)

Voter ID
Driving License
Passport
PAN card
Aadhar card

Income Proof

Salaried:

Salary Slips
Bank statements
Form-16
Driving License
In case of applicants drawing salary in cash, a salary certificate should be presented

Self-employed:

Financial Statements for last 3 years/ITR
Informal Income Documents

Property Documents (Salaried/Self-employed)

Payment receipt made to the builder
Seller’s agreement/allotment letter copy

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.

Explore Our Home Loan Lenders

Get a Home Loan For
Your Dream Home

FAQs

All the co-owners of the property need to be the co-applicants.

The home loan EMI of Aavas Housing home loans can be paid through ECS/ACH/Electronic transfer/Fund transfer/Net banking/RTGS/NEFT/RuPay Debit card/Debit card/UPI/UPI QR code (BHIM UPI QR code).

Yes, the home loan borrowers can convert their interest rates from floating rates to fixed rates and vice versa. They can also switch from higher interest rates to lower interest rates (fixed to fixed/floating to floating) as and when required. However, Aavas Housing Finance charges 2% on outstanding principal from home loan borrowers for switch/conversion of interest rates.

Aavas Housing Finance has not specified the cut-off credit score for home loan applicants. However, the applicants with credit scores of 750 and above usually have higher chances of availing home loans at lower interest rates.

Yes, you can foreclose your home loan availed from Aavas Housing Finance. The HFC does not charge any prepayment charges for home loans offered at floating rates. In case of fixed rate home loans, no foreclosure fee is charged for home loans repaid through own sources. On the contrary, the applicants repaying their home loans through other sources are charged up to 5% of loan amount (in case loan is closed within 12 months of first disbursement) and 3% (in case loan is closed after 12 months of first disbursement).

There is no lower time limit for keeping the plot of land before construction. However, the construction should be completed within 3 years of purchasing land and getting the construction loan approved. You have to provide a written undertaking to Aavas Housing Finance for the same.

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

Soumil KhannaSep 3, 2021

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Written By

Sumit Kumar

Reviewed By

Shamik Ghosh

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Aavas Finance Home Loan