Shubham आवास विकास होम लोन (गृह ऋण)
ऋण प्रदाता बैंक / संस्थान: Shubham Housing Development Finance Co.
Up to ₹30 Lakh home loan at 9.75% – 12.50% with Up to 20 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Dedicated affordable housing lender specializing in customized credit evaluation for informal income earners.
प्रमुख लाभ एवं विशेषताएं
Accepts non-traditional income proof; customized repayment schedules; branch outreach in Tier 2/3 clusters.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Micro-business owners, drivers, artisans, and informal workers.
संपत्ति एवं तकनीकी शर्तें
Constructed home or apartment in recognized urban periphery.
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.shubham.co/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 Shubham Housing Development Home Loan?
The maximum repayment tenure offered for Shubham Housing Development Home Loan is Up to 20 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for Shubham Housing Development Home Loan?
The processing fee is 2.00% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Shubham Housing Development 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 Shubham Housing Development 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.