एक्सिस बैंक (Axis) Bank Asha होम लोन (गृह ऋण) (सस्ता Segment)
ऋण प्रदाता बैंक / संस्थान: Axis Bank Ltd.
Up to ₹35 Lakh home loan at 8.85% – 9.75% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Micro-housing credit scheme tailored for first-time home buyers in peripheral urban zones with household income starting at ₹10,000/month.
प्रमुख लाभ एवं विशेषताएं
Accepts informal income and combined family earnings; up to 90% LTV for property up to ₹30 Lakh; 12 EMIs waiver feature available.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Minimum combined household monthly income of ₹10,000.
संपत्ति एवं तकनीकी शर्तें
Residential flat or constructed house in periphery of towns or municipal areas.
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 — self-constructed rural properties often ineligible without Gram Panchayat approval.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.axisbank.com/retail/loans/home-loan/asha-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 Axis Bank Asha Home Loan (Affordable Segment)?
The maximum repayment tenure offered for Axis Bank Asha Home Loan (Affordable Segment) is Up to 30 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for Axis Bank Asha Home Loan (Affordable Segment)?
The processing fee is 1.00% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Axis Bank Asha Home Loan (Affordable Segment)?
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 Axis Bank Asha Home Loan (Affordable Segment) require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without Gram Panchayat approval.