Aavas Financiers होम लोन (गृह ऋण) (Semi-शहरी एवं ग्रामीण)
ऋण प्रदाता बैंक / संस्थान: Aavas Financiers Ltd.
Up to ₹35 Lakh home loan at 9.50% – 12.00% with Up to 25 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Prominent semi-urban and rural housing financier active across Western and Northern India with deep rural market underwriting.
प्रमुख लाभ एवं विशेषताएं
Underwriting adapted to rural business cycles; home construction on inherited residential plots; strong local branch presence.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Self-employed individuals, farmers with commercial activities, and informal workers in semi-urban India.
संपत्ति एवं तकनीकी शर्तें
Residential plot or construction in abadi deha or municipal master plan.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Nil prepayment penalty for floating rate home loans as per RBI mandate
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project or verified revenue abadi land with valid NOC.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.aavas.in/home-loan with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for Aavas Financiers Home Loan (Semi-Urban & Rural)?
The maximum repayment tenure offered for Aavas Financiers Home Loan (Semi-Urban & Rural) is Up to 25 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for Aavas Financiers Home Loan (Semi-Urban & Rural)?
The processing fee is 1.50% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Aavas Financiers Home Loan (Semi-Urban & Rural)?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does Aavas Financiers Home Loan (Semi-Urban & Rural) require property approval in a formal layout?
This loan requires the property to be in an approved society/project or verified revenue abadi land with valid NOC.