Apply for Aditya Birla Capital Home Loan

Hassle-free Documentation Process | Doorstep Service | Secured Loan | Complete Transparency | Low Interest Rate

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20

Years Of Experience

About Aditya Birla Capital Home Loan

Aditya Birla Capital Home Loan provides the necessary financial support for Home Buying, Home Renovation, Home Extension, and Plot Purchase. It is a secured loan that requires the borrower to provide collateral as a form of security.

LoanMoney is a registered and authorized Direct Selling agent of various National, Multinational, and Non-Banking Financial Companies. It provides a loan with minimum documentation, low-interest rates for a longer tenure, fast approval mechanism, low processing fees, and multiple repayment options. Apply for Aditya Birla Capital Home Loan through LoanMoney to get hazel-free get hassle-free financial support from India's leading Bank.

Features of Aditya Birla Capital Home Loan

Your home is where you build memories with your loved ones. It's your own little piece of heaven. ABFHL presents home loans, specially designed just for you.

  • Attractive interest rates
  • Quick & transparent processing
  • Attractive balance transfer option available
  • Loan tenure up to 30 years*
  • Nil pre-payment charges for floating rate home loans given to individuals
  • Doorstep services
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Details of Aditya Birla Capital Home Loan

  • Interest Rate

  • Eligibility Criteria

  • Documents Required

  • General Information

Interest Rate

Fee Amount to be Paid
Rate of Interest 9.00% to 12.50%
Loan Processing Charges 0.25% To 1% + Service Tax
Cheque Bounce Charges NA
Cheque/ Instrument Swap charges NA
Prepayment/ Foreclosure Charges NA
Default Interest Rate NA
Duplicate Statement Issuance Charges NA
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate NA
S(Provisional/ Actual) issuance Charges NA
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Aditya Birla Capital Home Loan Eligibility Criteria

Benefits of Aditya Birla Capital

  • Home Extension Loan
  • Home Improvement Loan
  • Plot & Home Construction Loan
  • Home Construction Loan
Particulars Salaried Self Employed Professional
Age(Min-Max) 21 To 60 Years 21 To 70 Years 21 To 70 Years
Minimum Income Min. 2,40,000/ p.a Min. 2,40,000/ p.a Min. 2,40,000/ p.a
Co-applicant NA NA NA
Loan Tenure Max. 30 Years Max. 30 Years Max. 30 Years
Maximum Loan Amount Max. 3 Crore Max. 5 Crore Max. 5 Crore
Employment/Business Continuity Min. 1 Year Min. 3 Year Min. 3 Year
CIBIL Score Min. 700+ Min. 650+ Min. 650+
Aditya Birla Capital Documents Required

Proof of Identity and Address:

  • Passport
  • Voter's ID card
  • Driving License
  • Adhaar Card
  • PAN Card

Proof of Income:

  • Latest 3 months salary slip showing all deductions
  • Form 16
  • IT Returns or financial documents for the last 2 years and computation of income certified by a CA for the last 2 years​

Proof Other Income:

  • Rental Receipts or Documents showing receipt of income​

Property Documents:

  • Copy of Title documents and approved sanction plan​
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Aditya Birla Capital General Information

Salaried Self Employed Professional
Age 21 To 60 Years 21 To 70 Years 21 To 70 Years
Loan Amount Upto 3 Crore Upto 5 Crore Upto 5 Crore
Tenure Max. 30 Years Max. 30 Years Max. 30 Years
Rate of Interest / APR [Annual Percentage Rate] 9.00% to 12.50% 9.00% to 12.50% 9.00% to 12.50%
Features Eligibility Can Be made as per Customer Requirement Eligibility Can Be made as per Customer Requirement Eligibility Can Be made as per Customer Requirement
Processing Fees 0.25% To 0.75% + Service Tax 0.25% To 0.75% + Service Tax 0.25% To 0.75% + Service Tax
Special NA NA NA
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility
  1. Minimum age of applicant - 21 yrs
  2. Maximum age of applicant at loan maturity - 60 years for salaried
  3. Minimum Income of applicant - 20 K
  4. Minimum Experience: 1 Year
  1. Minimum age of applicant - 21 years
  2. Maximum age of applicant at loan maturity - 70 years for Self Employed
  3. Minimum Income of applicant - 2,40,000/-
  4. Minimum Business Continuity: 3Year
  1. Minimum age of applicant - 21 yrs
  2. Maximum age of applicant at loan maturity - 70 years for Professional
  3. Minimum Income of applicant - 2,40,000/-
  4. Minimum Business Continuity: 3Year

Self-Employed Documents

Proof of Identity (Any One)

  • PAN card
  • Aadhaar card
  • Passport (if available)
  • Voter ID (if available)
  • Any other government-issued photo ID

Proof of Address

  • Aadhaar card
  • Passport
  • Voter ID
  • Utility bills (electricity, water, gas.)
  • Bank account statement
  • Rental agreement (if applicable)

Proof of Business Existence

  • Business registration certificate (Shop and Establishment Act registration, GST registration.)
  • Business PAN card
  • Trade license (if applicable)
  • Partnership deed (if applicable)
  • Memorandum of Association and Articles of Association (for companies)

Financial Documents

  • Business financial statements (Profit and Loss Statement, Balance Sheet, and Income Tax Returns) for the past 2-3 years
  • Bank statements of the business account for the past 6-12 months
  • Business ownership proof (property documents, rental agreements.)
  • Details of ongoing loans and liabilities

Income Proof

  • Income Tax Returns (ITR) for the last 2-3 years
  • Profit and Loss Statement and Balance Sheet certified by a Chartered Accountant
  • Business turnover details
  • Any other income-related documents

Property Documents

  • Sale agreement of the property (if available)
  • Title deed of the property
  • Property tax receipts
  • NOC from relevant authorities (if required)

Other Documents

  • Passport-sized photographs
  • Duly filled home loan application form
  • Processing fee (as required by the lender)

Self-Employed Eligibility

  1. Income: Self-employed individuals' income is evaluated through various documents like income tax returns, balance sheets, profit and loss statements, etc. A stable and sufficient income is essential to demonstrate repayment capability.
  1. Age: Individuals aged between 24 and 65 years.
  1. Business Stability: Lenders often consider the stability and continuity of your business. A longer business track record might enhance your eligibility.
  1. Credit History: A good credit history with a high credit score (typically above 700) reflects your creditworthiness and increases your chances of loan approval.
  1. Loan Amount: The loan amount you are eligible for depends on your income, repayment capacity, and the value of the property you intend to purchase. Lenders usually offer up to a certain percentage of the property value as a loan.
  1. Property Documents: The property you're buying should have clear and marketable title documents, as these documents are used as collateral for the loan.
  1. Loan Tenure: The tenure of the loan also affects your eligibility. Longer tenures might result in higher eligibility due to lower monthly installments.
  1. Other Financial Commitments: Existing loans, liabilities, and financial commitments can impact your eligibility as they affect your disposable income.

Quick Enquiry for Aditya Birla Capital Home Loan

Share your contact details and talk with our experts to get an instant decision on your loan.

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How much do you need?

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Purpose for Taking Home Loan

Home Buying

Buy your dream house or home that is within your budget.

Home Renovation

Make your home more beautiful by renovating your dream home.

Home Extension

Increase the amount of built-up space at your home using this loan.

Clients words

What our clients say

We pride ourselves on providing transparent and quality service to our clients, but you don’t just have to take our word for it. Read what our clients have to say about us.

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Job Varghese

Client

I am totally satisfied by loan money and the way it services its customers.... especially I thank and appreciate Ms. Somya as she is a great resource to the organization. She has been constantly assisting me from start till the end and has been a very prompt and sensible officer as she could offer the relevant deal for me.

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Vishwajeet Nanaware

Client

LoanMoney is really good in providing loan services. Particularly Chanchal, my loan assistant has great skills to communicate with her clients and understand their needs. She processed my personal loan on time. The rate of interest offered was lower than the others. it was overall a good experience with 100% satisfaction.

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Avlokit Kaushik

Client

This is my second time in have taken a loan from LoanMoney. Kavita has helped me a lot..very cooperative very helpful very fast. Thanku again.

FAQ of Home Loan

  • Who can apply for a Home Loan?

    Home Loan is available for salaried/self-employed as well as Professionals, Employees of public/pvt Ltd companies. Every bank has individual minimum criteria for net monthly income Rs. 25,000, age between 21 to 60 years, profession, CIBIL Score, job continuity, etc.

  • How long will it take for my Home Loan to be processed?

    Once you submit your application form and the required documents as per Bank's criteria, you can expect our approval and disbursal within 5 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.

  • What is the Cheapest Home Loan or Affordable Home Loan?

    An Affordable or cheapest Home Loan is a loan in which not only you can get an attractive interest rate starting from 10:75% to 18%, and you can get a quick Home Loan with minimum processing fees, No hidden charges. With our easy & minimal paperwork, and flexible EMI payment options will make it a hassle-free Home Loan.

  • What are Nil Foreclosure Charges in Home Loan?

    The term Loan foreclosure means that when a person does the full repayment of the remaining loan amount in one single & final payment instead of paying it back in multiple EMIs.

    Some banks don't allow foreclosure of the loan as they won’t get the interest from the borrower and some banks allow foreclosure of the loan but they charge a certain amount from the borrower. While taking a Home Loan to try to see if there is zero foreclosure charges or nil foreclosure charges facility available for borrowers. This can save your money which you was going to pay to the bank.

  • What are the features of Loanmoney's Fastest Home Loan?

    The features of Loanmoney's Fastest Home Loan are No Collateral or no Security, Easy Repayment options, Safety, Attractive Interest rates, It is Unsecured, Can be Obtained for any Purpose and Fast, Cheap & Reliable.

  • Do I need to provide any security or collateral to obtain Home Loan from Bank?

    No, you don’t have to provide any security, collateral or guarantee to obtain Home Loan from Bank.

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