Home Loan Aizawl

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Home Loan Aizawl

Best Banks For Home Loan Aizawl
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 Aizawl Features

Finding a new home? then your search ends here. we at Dialabank can help you out. Buying a home is still a dream for many people, and required lots of planning and funds But with Dalabank you can make it easier. Home Loan Aizawl

Get financially supported with a Home Loan! We at Dialabank understand that the right home is important for you and your family that’s why we are here to help you in every possible way.

A home loan is a type of loan which a person takes either to buy a new home or for the construction of a new home. Here, the property for which the loan is taken is not owned by the loan applicant.

The loan is available on the following types of property:

  • Home extension
  • Home renovation
  • New flat
  • Ready to Move-in House
  •  Plot From MHADA, DDA, etc.
  • Home construction

Home Loans under Pradhan Mantri Awas Yojana are also available in Aizawl

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

Home Loan Aizawl Interest Rates

Home Loan Aizawl Documents Required

Salaried Individual:

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

Income Proof:

  • Latest Form-16 and IT returns
  • Employment Contract/Appointment Letter if the current employment is less than a year old.
  • Bank Statements showing salary credits from the last 6 months.
  • Latest Salary Slips from the last 3 months.

Property Related Documents:

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

Self Employed Individual:

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

Income Proof:

  • Bank Statements showing salary credits from the last 6 months.
  • Business Profile and Previous 3 years Income Tax returns (Both self and business)
  • Previous 3 years Profit/Loss Account and Balance Sheet.

Proof Of Business: 

  • Educational Qualifications Certificates
  • Business achievements (Certificate or awards if any)

Property Related Documents:

  • A cheque for processing fee favouring ‘The Particular Bank.’
  • 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 showing salary credits from the last 6 months.
  • Copies of title documents of 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/(s) of payment/(s) made to the developer

Additional requirements for Co-applicants:

Passport size photograph of all co-applicants to be affixed on the Application Form and signed across

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

Home Loan Aizawl Eligibility Criteria 

Salaried Individual:

  1. The applicant’s nationality should be Indian.
  2. The applicant must be between the age group of (Minimum) 18 years to (Maximum) 65 years.
  3. Must have working experience and a legitimate source of salary i.e working under the same employer for at least one year.

Self Employed Individual:

Applicants who are not professionally engaged in the working sector but have their own source of income are also eligible for the Home Loan. This includes everybody who is a:

  • Traders
  • Commission agent
  • Contractors

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

  1. The applicant must be between the age group of (Minimum) 18 years to (Maximum) 65 years.
  2. Must have working experience and a legitimate source of salary i.e working under the same employer for at least one year.

Self Employed Individual:

Applicants who are not professionally engaged in the working sector but have their own source of steady income are also eligible for the Home Loan. This includes everybody who is a:

  • Traders
  • Commission agent
  • Contractors

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

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

Self Employed Professionals:

Applicants who are professionally engaged in the working sector are also eligible for the Home Loan in Aizawl. This includes everybody who is a:

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

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

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

Additional Criteria for Co-applicants:

  • Co-applicant must be a family member of the primary applicant.
  • All co-applicants are not required 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 Aizawl

  • 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 all the details required in the Home Loan application form.
  • Once done, our representative will soon contact you for a further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Aizawl

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 Aizawl

CIBIL Score Required For Home Loan Aizawl

A CIBIL score of 750 and above is considered to be very good and it attracts a lower interest rate for a home loan in Aizawl. However, a CIBIL score between 650 to 750 could be taken if you have a good income or you have a good relationship with the bank you are applying to but a moderately higher rate of interest will be offered in that case. If you have ever defaulted and your CIBIL score is very low, then your loan application might be rejected.

Maintaining a good CIBIL score is a good practice as every financial institution strictly examine the detailed behaviour of the previous loans taken. This includes details on the type of loan taken and the loan amount you have borrowed. 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 Aizawl Agent / Broker

One of the major and best agents of Home Loan Aizawl 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 Aizawl Contact Number

You can contact us by dialling +919878981166 to get more 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 Aizawl

Click on the given link to check your EMI: Home Loan EMI Calculator

About Aizawl

Aizawl is the capital of the state of Mizoram in India. Aizawl was officially established on 25 February 1890. With a population of 293,416, it is the largest city in the state. It is also the centre of administration containing all the important government offices, state assembly houses.

Aizawl is connected by road with Silchar through National Highway 540, with Agartala through National Highway 40, and with Imphal through National Highway 150. The yellow-and-white taxis are widely available; Maruti cars are most widely used. Privately owned blue-and-white minibuses are on regular service as city buses.

Get Home Loan Aizawl information on Dialabank online!

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