APNA Bank
Home | Products | Loans | Housing Loans
Housing Loans
HOUSING LOAN
Housing Loans For House Purchase Only. - for New Customers
Maximum Amount of Loan Rs.50.00 Lakh
If Margin 20%

1. If CIBIL Score is 750 & above – No processing charges & No Guarantors

 

2. If CIBIL Score is 700 & above - 0.50% processing charges & One Guarantor

 

3. @ If CIBIL Score is below 700 (with Justification)– 1% processing charges  & Two Guarantors

 

4. ROI – General 8.75% & Women 8.50%
If Margin 15%

1. If CIBIL Score is 750 & above – 0.25% processing charges & No Guarantors

 

2. If CIBIL Score is 700 & above - 0.50% processing charges & One Guarantor

 

3. @ If CIBIL Score is below 700 (with Justification) – 1% processing charges  & Two Guarantors 

 

4. With additional collateral – FDR/LIC/NSC – Minimum 10% advisable

 

5.ROI - General 9% , Women 8.75%
Eligibility Salaried persons with one year confirmed service /Other than salaried having regular source of income ( previous 2 Years ITR filed regularly)

Rate of Interest - other than above criteria 

 ROI – General 9.00% p.a. & Women 8.75% p.a.
Maximum Repayment period Maximum Tenor – 120 / 180 / 240 Months
Search / Legal Search / Legal – House/OC/CC
Construction Status Under Construction Property – 85% work completed with Architect Certificate
Existing terms and conditions as per Bank policy All other terms and conditions will continue as per Bank policy in place – As Applicable