Home Loan Ajmer

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Home Loan Ajmer

Best Banks For Home Loan Ajmer

Feature Bank of Baroda IDFC First Bank SBI
Interest Rate 7% - 8.35% 7% - 8% 6.95% - 7.45%
EMI/Lakh Rs. 665 Rs. 665 Rs. 659
Max Loan Amt Upto 10 Cr. Upto 5 Cr. Upto 7 Cr.
Loan Tenure Upto 30 years Upto 30 years Upto 30 years
Processing Fee 0.25% - 0.50% of loan amount + GST 0.25% - 0.50% of loan amount + GST 0.20% 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 Ajmer Features

Are you new in the city and looking for a new flat? Apply for a Home Loan to support your finances!

If we speak about a Home Loan – It basically is a loan that is taken to either purchase or to build a new home. Here, the property for which the loan is taken is not owned by the loan candidate. Home Loan Ajmer

A home loan is not just possible for purchasing a home or creating  one but also the candidate who is taking the loan can use different schemes for a home loan granted by the bank for extensions, plot purchase , renovation , and many other things associated to home property.

The loan is open on the following kinds of property:

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

Home Loans below Pradhan Mantri Awas Yojana are also available in Ajmer

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

Home Loan Ajmer 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 Ajmer Documents Required

Salaried Individual:

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

Income Proof:

  • Bank Statements conferring salary credits from the last six months.
  • Latest Wage Slips from the last three months.
  • Latest Form-16 and IT returns issued.
  • Employment Contract and Appointment Letter if the current  employment is less than a year old.

Property Related Documents:

  • A cheque  for processing fee supporting ‘The Particular Bank.’
  • A copy of the Buyer Agreement or Allotment Letter,
  • Receipt or receipts of payment or payments made to the developer

Self Employed Individual:

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

Income Proof:

  • Bank Statements showing wage credits from the last six months.
  • Business Profile and Previous three years Income Tax returns (Both self and business)
  • Previous three years Profit or Loss Account and Balance Sheet.

Proof Of Business: 

  • Educational Qualifications Certificates
  • Business accomplishments – Certificate or awards if any

Property Related Documents:

  • A cheque for processing charge favouring ‘The Particular Bank.’
  • Representation of the Buyer Agreement or Allotment Letter 
  • Receipt or receipts of payment or payments made to the developer

Agriculturists:

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

Income Proof:

  • Bank Statements giving salary balances from the last six months.
  • Photocopies of title documents of farming Land conferring crops being grown.

Property Related Documents:

  • A cheque for processing charge favouring ‘The Particular Bank.’
  • A representation of the Allotment Letter or Buyer Agreement
  • Receipt/ receipts of payment/ payments done to the developer

Additional requirements for Co-applicants:

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

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

Home Loan Ajmer Eligibility Criteria 

Salaried Individual:

  1. The candidate’s nationality should be Indian.
  2. The candidate needs to be in the age group of 18 years to 65 years.
  3. Must have operation experience and a legitimate origin of wage i.e. working under the same employer for at least 1 year.

Self Employed Individual:

Candidates who are not professionally involved in the working sector but have their own source of constant income are also suitable for the Home Loan. This includes:

  • Traders
  • Commission agent
  • Contractors

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

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

Self Employed Professionals:

Candidates who are professionally engaged in the working sector are also suitable for the Home Loan in Ajmer. This involves anybody who is a:

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

The following is 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 inside the age group of 18 years to 65 years.

Additional Criteria for Co-applicants:

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

For added information on home loan eligibility, click on given link.

How To Apply For Home Loan Ajmer

  • Visit  Dialabank for a Home Loan.
  • Go to the particular city Home Loan page.
  • Check out the eligibility and documents standards for a Home Loan.
  • Fill out total details required in the Home Loan Ajmer application form.
  • Once done, our representative will shortly contact you for a further  stress-free process.

Processing Fees / Prepayment Charges On Home Loan Ajmer

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 Ajmer

CIBIL Score Required For Home Loan Ajmer

A minimum CIBIL score of 750 or beyond is recognised by most of the banks and financial organisations for a home loan. However, several banks can also approve a loan with a CIBIL score within 650 to 750 if the candidate is one of their old customers or has a great relationship with the institute. In this case, the bank may impose a moderately higher interest rate on home loan.

Sustaining a good CIBIL score is a good practice as every financial institution strictly examine the detailed behaviour of the previous loans taken. This holds details on the kind of loan taken and the loan amount you have obtained. Any delayed payments for past loans can act as a hindrance to your availing of a fresh loan.

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

Home Loan Ajmer Agent / Broker

One of the trustworthy and most reliable agents of Home Loan Ajmer is Dialabank. Having vast exposure in the field of finance set an advantage. Dialabank has served with thousands of loan seekers and has successfully achieved what is  agreed upon!

You can visit Dialabank online for more information on Home Loan

Home Loan Ajmer Contact Number

You can reach us by dialling on +919878981166 to get added information about home loans and we will give you the   best advice to assist you fulfill your dreams.

Pre Calculated EMI Table for Home Loan Ajmer

Click on the provided link to verify your EMI: Home Loan EMI Calculator

About Ajmer

Ajmer is a major and oldest city in Rajasthan. It is the centre of the eponymous Ajmer District and is located at the    middle of Rajasthan. The famous Ajmer Sharif shrine is situated here.

Get Home Loan Ajmer information on Dialabank online!

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