Apna Bank

CUSTOMER MAY APPROACH THE BRANCH IN WHICH THE ACCOUNT IS MAINTAINED (BASE BRANCH) AND SUBMIT THE FOLLOWING TO REACTIVATE THE ACCOUNT

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 @ 3 & @ 3	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