ART Housing Finance Home Loan

Disclaimer: ART Housing Finance is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to ART Housing Finance for home loans. No offers/services from ART Housing Finance are being provided by Paisabazaar for home loans. For further information about ART Housing Finance for home loans, users are required to reach out directly to ART Housing Finance.

Note: Interest rates as of 8 April 2025

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ART Housing Finance Interest Rates

ART Housing Finance home loan interest rates shall vary as per the applicant’s profile and Loan product/ Scheme chosen. The HFC has stated that the home loan interest rates offered to the home loan applicants would depend on the loan product/scheme chosen and applicant’s profile.

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ART Housing Finance Processing Fee and Other Charges

Processing fee

Art Housing Finance charges processing fee based on its policy.

Prepayment Charges

Other Fees and Charges

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Types of ART Housing Finance Home Loan

ART Home Purchase Loan

• Purpose: For purchasing ready built/ under-construction residential property.
• Amount:  Up to Rs 50 Lakh
• Tenure: Up to 30 years

ART Home Construction Loan

• Purpose: Borrowers can avail this home construction loan for constructing residential property.
• Amount: Up to Rs 50 Lakh
• Tenure: Up to 30 years

ART Home Extension Loan

• Purpose: It is a home extension loan that can be used for carrying out extension in existing residential house like building an additional room, floor, a larger bathroom or even enclosing an open balcony.
• Amount: Up to Rs 50 Lakh
• Tenure: Up to 30 years

ART Home Improvement Loan

• Purpose: Borrowers can use the home improvement loan for carrying out renovation/ makeover, both internal as well as external, of an existing residential house like tiling and flooring, painting, plumbing and electrical work, waterproofing and roofing, grills and aluminum windows, waterproofing on terrace, construction of underground/overhead water tank, paving of compound wall, etc.
• Amount: Up to Rs 50 Lakh
• Tenure: Up to 30 years

ART Refinance Loan

• Purpose: For reimbursement of expenses already spent for buying, constructing or extending home.
• Amount: Up to Rs 50 Lakh
• Tenure: Up to 30 years

ART Balance Transfer Loan

• Purpose:  It is a home loan balance transfer facility offered to existing home loan borrowers of other lenders to transfer their home loans to the NBFC.
• Amount: Up to Rs 50 Lakh
• Tenure: Up to 30 years

ART Balance Transfer + Top-up Loan

• Purpose: For transferring existing home loans from other lenders along with the facility of a top-up home loan.
• Amount: Up to Rs 50 Lakh
• Tenure: Up to 30 years

Credit Linked Subsidy Scheme Under Pradhan Mantri Awas Yojana

• Under this scheme, the government offers interest subsidies on home loans to eligible beneficiaries of the Economically Weaker Section and Low-Income Groups for purchase/ re-purchase or construction of houses. This scheme is applicable for the following categories:
  Economically Weaker Section (EWS)
• Low Income Group (LIG)
• Middle Income Group-I (MIG-I)
• Middle Income Group-II (MIG-II)
• Families with household income up to ₹ 18 Lakhs can avail the benefit of subsidy
• Different carpet areas allowed for different income group of customers
• Subsidy of 3% to 6.5% on the eligible loan amount on different income group of customers

Eligibility Criteria for Credit Linked Subsidy Scheme

• Women ownership of property preferred
• No other Pucca house ownership in the name of any member of the household

Eligibility Criteria for ART Housing Finance

• Indian Resident
• Minimum 23 years at the commencement of the Loan
• Upto 65 years of age at loan maturity
• Salaried and Self employed Segments
• Formal and Informal Income Segments
• The home loan eligibility also depends on applicant’s income and repaying capacity, age, employment/business vintage, assets and liabilities, cost of the proposed property etc.

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ART Housing Finance Documents Required

• Valid KYC documents of all applicants
• Latest bank statements of last 6 months
• Income proof for salaried customers:
  • Last 3 month’s salary slip or latest salary certificate from the employer
  • Current job appointment letter / Contract letter
  • Latest Form-16 (if available)
• Income proof of self-employed customers:
  • Latest 2 years ITRs with financials, CA certified or audited as applicable
• Business vintage proof for self-employed customers:
  • Registration Certificate of the business• Partnership Deed and Registration Certificate issued by District Registrar in Partnerships
  • Trade License Shop & Establishment Certificate
  • Vat Registration Certificate
  • CST Registration Certificate
  • Service Tax Registration Certificate
  • GST Registration Certificate
  • Any other document issued by Government / Government Authority identifying the entity
• Copy of property documents before sanction

The HFC may also ask for additional home loan documents based on customer profile.

ART Housing Finance EMI Calculator