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| Shubham Housing Finance Home Loan Highlights 2023 | |
| Interest rates | 9.90% to 16% p.a. |
| Loan amount | Up to Rs 50 Lakh |
| Repayment tenure | Up to 20 years |
Note: Interest rates as of 22nd September 2023
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Table of Contents |
Shubham Housing Finance Home Loan Interest Rates
Shubham Housing Finance Home Loan interest rates starting from 9.90% p.a. onwards. The final home loan interest rates would depend on the credit score, monthly income, occupation profile, etc., of the home loan applicant.
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Compare Home Loan Interest Rate Offered by Various Banks & HFCs
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
| SBI | 8.40% - 10.15% | 8.40% - 10.05% | 8.40% - 10.05% |
| HDFC Bank Limited | 8.50% onwards | 8.50% onwards | 8.50% onwards |
| LIC Housing Finance | 8.50% – 10.35% | 8.50% – 10.55% | 8.50% – 10.75% |
| ICICI Bank | 9.00%-9.80% | 9.00%-9.95% | 9.00%-10.05% |
| Kotak Mahindra Bank | 8.75% onwards | 8.75% onwards | 8.75% onwards |
| PNB Housing Finance | 8.50% - 14.50% | 8.50% - 11.45% | 8.50%-11.45% |
| Punjab National Bank | 8.55%-10.25% | 8.50%-10.15% | 8.50%-10.15% |
| Bank of Baroda | 8.40% - 10.65% | 8.40% - 10.65% | 8.40% - 10.90% |
| Union Bank of India | 8.35% – 10.80% | 8.35% – 10.95% | 8.35% – 10.95% |
| IDFC First Bank | 8.85% onwards | 8.85% onwards | 8.85% onwards |
| L&T Finance Limited | 8.60% onwards | 8.60% onwards | 8.60% onwards |
| Bajaj Housing Finance | 8.45% onwards | 8.45% onwards | 8.45% onwards |
| Tata Capital Housing Finance | 8.70% onwards | 8.70% onwards | 8.70% onwards |
| Federal Bank | 8.80% onwards | 8.80% onwards | 8.80% onwards |
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Shubham Housing Finance Home Loan Fees and Charges
| Administrative & operational cost (at login additional) (to be taken only if the customer has identified the property and wish to pay upfront) | Rs 2,000 |
| Administrative & operational cost (at login) | Rs 3,600 (inclusive of GST) |
| Administrative & operational cost (at disbursal) | Up to 3 Lakh – Rs. 9500 + GST |
| Above 3 Lakh and up to Rs. 6 Lakh – Rs. 13,500 + GST | |
| Above 6 Lakh and up to Rs. 10 Lakh – Rs. 18,000 + GST | |
| Above 10 Lakh and up to Rs. 12 Lakh – Rs. 27,000 + GST | |
| Above 12 Lakh – Rs. 27,000 + 3% of loan amount over and above 12 Lakh + GST | |
| Duplicate statement (per statement) | Rs 250 + GST |
| EMI Payment Instrument Swapping Charges | Rs 500 + GST |
| Duplicate interest certificate | Rs 250 + GST |
| Copy of property documents | Rs 500 + GST |
| Cheque/ECS/NACH/Bounce charges | Rs 500 + GST (each) |
| Partial prepayment | NIL |
| Preclosure charges | NIL |
| Cersai Charges | Loan up to Rs. 5 Lakh – Rs. 50 + GST |
| Loan Above Rs. 5 Lakh – Rs. 100 + GST | |
| Late payment interest | NIL |
| Foreclosure statement charges | Rs 500 + GST |
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Types of Shubham Housing Finance Home Loans
Shubham Home Loan
- Purpose: To purchase a new/old house/flat or a plot to construct a home or construct a home on an already owned plot or extend a home to build extra space or additional floor.
- Loan amount: Up to Rs 50 Lakh
- Loan tenure: Up to 20 years
Shubh Shakti Home Loan
- Purpose: To help working women purchase their own home
- Loan amount: Up to Rs 50 Lakh
- Loan tenure: Up to 30 years
Check your Home Loan Eligibility with Top Lenders Click Here
Shubham Housing Finance Home Loan Eligibility Criteria
The home loan eligibility criteria required for availing different types of Shubham Housing Loan schemes are mentioned below:
For Shubham Home Loan
- Customers should be more than 21 years of age but not more than 65 years at the time of loan maturity.
- Borrowers should have a bank account.
- Borrower should be residing in a city where Shubham’s Office is located.
- No guarantor required.
- All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan.
For Shubh Shakti Home Loan
- The woman applicant must be the primary income contributor and the primary applicant to the loan
- The woman applicant must be the sole owner or one of the co-owners of the business
- Customer should be more than 21 years of age but not more than 65 years at the time of loan maturity
- Borrower should have a bank account
- Borrower should be residing in a city where Shubham’s Office is located
- All the owners of the property being financed and all individuals whose income has been considered for the loan have to be the co-applicants to the loan
Check your Home Loan Eligibility with Top Lenders Click Here
Shubham Housing Finance Home Loan Documents Required
The home loan documents required by Shubham Housing Finance are listed below:
For Shubham Home Loan
- Application form with all required details filled in.
- Identity proof such as Pan Card, Voters ID Card, Passport.
- Address proof such as electricity bill, ration card.
- Income proof documents, if available.
- Bank pass book or Bank Statements.
- Property documents, if property is identified.
For Shubh Shakti Home Loan
For self-employed women:
- Application form with all required details filled in
- Identity proof such as Pan Card, Voters ID Card, Passport, Aadhar card
- Address proof such as electricity bill, ration card
- Income proof documents, if available
- Bank passbook or bank Statements
- Copy of the property papers
For salaried women:
- Application form with all required details filled in and application fee
- Identity proof such as PAN card, Voter ID, Aadhaar Card, Passport
- Address proof such as electricity bill, utility bill, ration card Latest salary slip, if available
- Bank passbook or bank account statement
- Income Tax returns, if available
- Copy of the property papers
Shubham Housing Finance Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
Shubham Housing Finance Home Loan Customer Care
Phone Number- 18002582225
Whatsapp Number- 8595521769
Email- customercare@shubham.co
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