Aptus Value Housing Finance Home Loan
Primary Lending Institution:Aptus Value Housing Finance India Ltd.
Up to ₹30 Lakh home loan at 9.50% – 12.00% with Up to 20 years tenure.
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without local body permit.
What is Aptus Value Housing Finance Home Loan?
Leading South Indian affordable housing financier serving self-employed customers in semi-urban and rural centres.
Key Benefits & Features
Focus on Tier 2/3 cities in Tamil Nadu, Andhra, Telangana, and Karnataka; assesses small business cash flows.
Property & Project Eligibility Requirements
Residential construction or flat in town panchayat or municipal limits.
Borrower Eligibility Criteria
Self-employed traders, shopkeepers, and micro-entrepreneurs.
How to Apply (3 Verified Paths)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.aptusindia.com/home-loans/ with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
Documents Required Checklist
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.
Frequently Asked Questions
What is the maximum loan tenure available for Aptus Value Housing Finance Home Loan?
The maximum repayment tenure offered for Aptus Value Housing Finance 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 Aptus Value Housing Finance Home Loan?
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 Aptus Value Housing Finance 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 Aptus Value Housing Finance Home Loan 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 local body permit.