Piramal Housing Finance Home Loan

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Updated: 21-01-2020 04:39:28 AM

Piramal Housing Finance’s home loan interest rates start from 9% per annum. Piramal Capital & Housing Finance Ltd (PCHFL) is a housing finance company registered with National Housing Bank (NHB) that offers financial services and solutions. The company provides wholesale and retail financing services to its customers. Piramal Housing loans can be used for purposes like purchase of resale property, under construction and ready property.

Further we have discussed important information related to PCHF home loan details and fees and charges attached.

Piramal Housing Finance Home Loan Interest Rate 2020

Interest Rate9% onwards
Loan AmountFrom 20 Lakhs to 10 Crore
Loan TenureMax. upto 30 years to retirement
Applicant and Co-applicantApplied either individually or jointly

(Interest rates are subject to periodic change and defined at the sole discretion of the respective bank, NBFC or RBI. (Applicable GST @ 18% will be levied on these charges)

Piramal Housing offers home loans to salaried Individuals that include resident, as well as Non-Resident Indians (NRI). Home Loans can be availed by self-employed individuals, such as doctors, CAs and other professionals. The company also provides financing services to private limited companies and proprietorship and partnership firms, etc.

Piramal Housing Finance Features and Benefits:
Loan to Market Value offered by Piramal Housing Finance
Documents Required for Piramal Housing Finance home loan Processing
Piramal Housing Finance EMI Calculator
Piramal Customer Care
Piramal Housing Finance FAQs
Check Out Other Housing Finances in India

Piramal Housing Finance Features and Benefits:

  • Low Interest rate with minimal processing fees
  • Home loans offered up to 90% of the cost of the property
  • Incomes of family members can be clubbed
  • Incomes of siblings can also be clubbed, if they are property co-owners
  • Option to choose between fixed and floating rate of interest
  • Dedicated relationship manager for each customer
  • Advisory services in selection of property
  • Life and home insurance products
  • Tax benefit up to Rs. 2 lakhs under Section 24 and Rs. 1.5 lakhs under Section 80C of Income Tax Act

Loan to Market Value offered by Piramal Housing Finance

Loan AmountUpto 30 lakhsUpto 30-75 lakhsMore than 75 lakhs
     Funding Upto 90%Upto 80%Upto 75%

Documents Required for Piramal Housing Finance home loan Processing

Photo Identity  ProofAddress ProofAge ProofEmployment Proof for Self-employed
PassportPassportPassportTrade License Certificate
Aadhar CardRation CardRation CardSales Tax / VAT Registration Certificates
PAN CardAadhar CardDriving LicenseShops and Establishment Certificates
Voter’s ID CardDriving LicenseBirth Certificate (issued by Government Body)SSI Registration Certificate
Voter’s ID CardSchool Leaving Certificate (10th)GST Registration Certificate

For Salaried individuals, required employment proofs are Company ID card, Joining letter and Appointment letter.

Additional Documents Required

Income Proof
SalariedSelf Employed
Last 3 months’ salary slipsLast 2 years’ ITR
Last 6 months’ bank statementProfit and Loss Statement
Performance Appraisal letterBank Statement
Latest Form16 or ITR(Income Tax Return)Balance Sheet
Schedules report
CA certified financials

Piramal Housing Finance EMI Calculator

Piramal Housing Finance offers its online tool ‘Home Loan EMI calculator’ that helps its customers in checking the monthly loan EMI (Equated Monthly Instalment) that they have to pay against the loan amount taken by the bank for respective tenor. However, you can also check the exact home loan EMI by EMI calculator provided by Paisabazaar on their official website. Paisabazaar.com not only helps you in checking the EMI but it saves your time by making it easy and convenient for you to apply for the Piramal Home Loan by checking and comparing best available loan options.

Piramal Customer Care

Toll Free Number: 1800 2666 444 (Timings: 9:30 am to 6:30 pm) (Mon-Sat)

Piramal Housing Finance (Registered Office)

Piramal Tower, Ganapatrao Kadam Marg,

Lower Parel West, Lower Parel,

Mumbai, Maharashtra 400013

Email: housing.customercare@piramal.com

Piramal Housing Finance FAQs

1. What is the home loan interest rate at which I can get home loan?

Ans. Home loan interest rate offered by Piramal Housing Finance is offered at 8.65% onwards is offered at both fixed and floating rate of interest.

2. What is the minimum & maximum loan amount offered by Piramal Housing Finance?

Ans. Minimum loan of Rs. 20 lakhs and Maximum loan amount of Rs. 20 Crore is offered to its customers.

3. How much tax benefit can be availed from Piramal Housing Finance?

Ans. You can avail Tax Benefit up to Rs. 2 lakhs under Section 24 of Income Tax Act and up to Rs. 1.5 lakhs under Section 80C of Income Tax Act.

4. Does the company designate a dedicated relationship manager for property selection?

Ans. Yes, they offer dedicated relationship manager assistance service for loan processing.

5. Can I club the income of my family members?

Ans. Yes, you can club the income of your close family members, including parent, spouse and children.

6. Where can I get the application form to apply for Piramal Housing Finance?

Ans. The application form can be gained from their official website. However, you can also apply online by filling and submitting the loan application form at paisabazaar.com.

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