Home Loan Agra

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Home Loan Agra

Best Banks For Home Loan Agra

Feature HDFC Bank ICICI Bank Bank of India
Interest Rate 6.95% to 8.2% 6.95% - 7.95% 6.85% to 7.15%
EMI/Lakh Rs. 662 Rs. 659 Rs. 655
Max Loan Amt Upto 10 Cr. Upto 10 Cr. Upto 10 Cr.
Loan Tenure Upto 30 years Upto 30 years Upto 30 years
Processing Fee Upto 0.5% of loan amount + GST 1% – 2% of loan amount + GST 0.25% - 0.50% of loan amount + GST
Preclosure Charges No prepayment charges for floating rates No prepayment charges for floating rates No prepayment charges for floating rates

Home Loan Agra Features

Are you looking for a new home? Get financially supported with a Home Loan!

Basically, a home loan is a loan that is taken to either buy or construct a new home. The property for which the loan is taken is not owned by the loan applicant. Home Loan Agra

Home loans are not only available for buying a home or constructing one but also the applicant who is taking the loan can use different schemes for a home loan offered by the bank for extensions, plot purchase, renovation, and many other things related to home property.

The Home loan is available on the subsequent types of property available in the market:

  • New flat planned
  • Ready to Move-in Houses
  •  A plot from  MHADA, DDA, etc.
  • Home  construction
  • Home  extension
  • Home  renovation

Home Loans under Pradhan Mantri Awas Yojana are also available in Agra.

Please find more information on Eligibility below or by visiting DialaBank online.

Home Loan Agra Interest Rates

Top 10 banks offering the lowest home loan interest rates for salaried individuals

Bank Name RLLR Minimum Home Loan Rate Interest Rate (%) Maximum Home Loan Rate Interest Rate (%)
Union Bank of India 6.8 6.7 7.15
Bank of India 6.85 6.85 7.15
Central Bank of India 6.85 6.85 7.3
Canara Bank 6.9 6.9 8.9
Punjab & Sind Bank 6.9 6.9 7.25
ICICI Bank 6.95 6.95 7.95
SBI Term Loan 6.65 6.95 7.45
Bank of Baroda 7 7 8.35
IDFC First Bank 7 7 8
Bank of Maharashtra 7.05 7.05 8.35
HDFC Bank 6.95 6.95 8.2

Home Loan Agra Documents Required

Salaried Individual:

Valid ID and Residence Proof: Proof of Identity and Residence such as Aadhaar card, PAN card, Driving License,  Passport, Voter ID, etc. are needed for verification.

Income Proof:

  • Bank Statements conferring salary of the individual from the last 6 months.
  • Salary Slips from the last three months.
  • Form-16 and IT returns by the income tax department.
  • Employment Contract or Appointment Letter if the current employment is less than a year old.

Property Related Documents:

  • A cheque should be issued for processing fee favouring ‘The Particular Bank.’
  • A photocopy of the Buyer Agreement/Allotment Letter
  • Receipt/(s) of payment/(s) made to the lender

Self Employed Individual:

Valid ID and Residence Proof: A proof of Identity and Residence such as a Aadhaar card, PAN card, Driving License, Passport, Voter ID, etc.

Income Proof:

  • Bank Statements conferring salary credits from the last six months.
  • Business Profile and Past 3 years Income Tax returns- Both self and business
  • Past 3 years Profit/Loss Account and Balance Sheet.

Proof Of Business: 

  • Educational Qualifications Certificates by a recognised institute
  • Business victory record(Certificate or awards if any)

Property Related Documents:

  • A cheque for the processing fee favouring ‘The Particular Bank.’
  • A Copy of the Buyer Agreement or Allotment Letter
  • Receipt/(s) of payment/(s) made to the developer

Agriculturists:

KYC Proof – PAN Card- Mandatory and any Driving License/Voter ID/Passport

Income Proof:

  • Bank Statements confirming salary credits from the last 6 months.
  • Images of the agricultural Land showing crops being cultivated

Property Related Documents:

  • A cheque for processing fee favouring   ‘The Particular Bank.’
  • Copy of the Allotment Letter / Buyer Agreement
  • Receipt or receipts of payment or payments made.

Additional requirements for Co-applicants:

Passport size picture of the co-applicants to be added on the Application Form and approved by the applicant.

For more data on home loan documents required, match on the provided link.

Home Loan Agra Eligibility Criteria 

Salaried Individual:

  1. The applicant’s nationality should be Indian by origin.
  2. The applicant must be between the age group of a minimum of 18 years to a maximum of 65 years.
  3. Should have working experience and a genuine source of salary i.e working under the same employer for at least one year.

Self Employed Individual:

The candidates who are not professionally involved in the working sector but have their own source of steady income are  also eligible for the Home Loan. This includes :

  • Tradesmen
  • belonging to Commission agency
  • Contractors

The following are the criteria that must be met to apply for a home loan:

  1. The applicant’s nationality should be Indian.
  2. The applicant must be of (Minimum) 18 years to (Maximum) 65 years.

Self Employed Professionals:

Candidates who are professionally engaged in the working sector are also eligible for the Home Loan in Agra. This includes every:

  • Doctors
  • Lawyers
  • Charted Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary

The following is the criteria must be met to apply for a home loan:

  1. The applicant’s nationality should be Indian.
  2. The applicant must be of the age group of (Minimum) 18 years to (Maximum) 65 years.

Additional Criteria for Co-applicants:

  • The co-applicant must be a family member of the first applicant.
  • All the co-applicants are not expected to be the co-owners of the property.

For more information on home loan eligibility, click on the given link.

How To Apply For Home Loan Agra

  • Visit  Dialabank for a Home  Loan.
  • Go to the specific city Home Loan page.
  • Check out all the eligibility and documents criteria for a  Home Loan.
  • Fill out the details required in the Home Loan Agra application form.
  • Once completed, our representative will soon reach you for a further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Agra

Particulars Charges
Processing Fees Salaried Individuals: 0.50% of the loan amount or Rs. 3,000, whichever is higher
Self Employed Professionals: 0.50% of the loan amount or Rs. 3,000, whichever is higher
Self Employed Non-Professionals: Up to 1.50% of the loan amount or Rs. 4,500, whichever is higher
Prepayment charges No prepayment charges for floating rates

Home Loan EMI Calculator Agra

Click on the link given  to check your EMI by putting amount and interest rate: Home Loan EMI Calculator

CIBIL Score Required For Home Loan Agra

A minimum CIBIL score should be 750 and above is considered by most of the banks and financial systems for a home loan. However, many banks can also accept a loan with a CIBIL score between 650-750; if the applicant is one of their old customers or has a good relationship with the bank. In this case, the bank may charge a moderately higher interest rate on a home loan.

Sustaining a good CIBIL score is a good fashion as every financial institution strictly examine the specific behaviour of the previous loans taken. This holds details on the type of loan taken and the loan amount you have used. Any late payments for previous loans can act as a barrier to your availing of a fresh home loan.

Check your CIBIL  score in your credit report for more information on the score.

Home Loan Agra Agent / Broker

One of the major and best agents of Home Loan Agra is Dialabank. Having vast experience in the field put an advantage.  Dialabank has worked with thousands of loan seekers and has successfully delivered what is agreed upon!

You can visit Dialabank online for information on Home Loan

Home Loan Agra Contact Number

You can contact us by dialling us on +919878981166 to get more further information about home loans and we will give you the best advice to help you fulfil your dreams.

Pre Calculated EMI Table for Home Loan Agra

About Agra

Agra, the ancient capital of Hindustan, is a city on the bank of the river the Yamuna in the Northern region of Uttar Pradesh. In Agra, many visitants come because of its many marvellous Mughal-era buildings, most notably the Taj Mahal, Agra Fort.

Get Home Loan Agra information on Dialabank online!

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