Home Loans

Purpose :

  • For acquiring house site and constructing house thereon.
  • For construction of house on the land already owned by the party.
  • Purchase of ready built house.
  • For making extension/additions to the existing house.
  • For carrying out repairs/ to damaged house.

Eligibility :

  • Individuals who are in gainful employment/profession/business are eligible.
  • Age of the applicant should be less than 60 years.

Quantum of Loan :

  • 75% of estimated cost of construction and cost of site.
  • Maximum loan limited to 72 months gross salary/ 6 times the average Annual income.

Security :

  • Equitable mortgage of plot and house to be constructed.
  • One Co-obligants having landed property / sufficient income from salary/other sources.

Repayment :

  • Repayable in Equated Monthly Instalment.
  • Repayment period up to 20 Years.

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