एयू स्मॉल फाइनेंस बैंक होम लोन (गृह ऋण)
ऋण प्रदाता बैंक / संस्थान: AU Small Finance Bank
Up to ₹2 Crore home loan at 8.90% – 11.00% with Up to 25 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Small finance bank mortgage specialist catering to semi-urban and Tier 2/3 markets with flexible underwriting for informal income.
प्रमुख लाभ एवं विशेषताएं
Caters to customers without formal tax returns; extensive presence in Tier 2 and rural growth hubs; flexible documentation; quick branch sanctions.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Self-employed traders, artisans, and salaried workers in semi-urban centres.
संपत्ति एवं तकनीकी शर्तें
Constructed residential dwelling or builder apartment with local body approval.
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 municipal layout — disputed rural land strictly ineligible.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.aubank.in/personal-banking/loans/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 AU Small Finance Bank Home Loan?
The maximum repayment tenure offered for AU Small Finance Bank Home Loan 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 AU Small Finance Bank Home Loan?
The processing fee is 1.00% to 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 AU Small Finance Bank Home Loan?
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 AU Small Finance Bank Home Loan require property approval in a formal layout?
This loan requires the property to be in an approved society/project or verified municipal layout — disputed rural land strictly ineligible.