Home Loan Alwar

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Home Loan Alwar

Best Banks For Home Loan Alwar

Feature Union Bank of India Central Bank of India Canara Bank
Interest Rate 6.7% - 7.15% 6.85% - 7.30% 6.90% - 8.9%
EMI/Lakh Rs. 648 Rs. 655 Rs. 657
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 0.50% of loan amount + GST 0.50% of loan amount + GST 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 Alwar Features

Does your home need fresh construction to a certain part that is weak?

Apply for a home loan to get the funds needed for the sameHome Loan Alwar

Basically, a loan is taken to either buy or construct a new home. Here, the property for which the mortgage is taken is not held by the loan applicant.

A home loan is not only possible for buying a home or creating one but also the candidate 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 concerns related to home property.

The loan is possible on the following types of property:

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

Home Loans beneath Pradhan Mantri Awas Yojana are also available in Alwar.

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

Home Loan Alwar 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 Alwar 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 revealing salary credits from the past six months.
  • Latest Salary Slips from the past three months.
  • Latest Form-16 and IT returns issued
  • Employment Contract or Appointment Letter if the current work is less than a year old.

Property Related Documents:

  • A cheque for processing charge favouring ‘The Particular Bank.’
  • A copy of the Buyer Agreement/Allotment Letter.
  • Receipt/ receipts of payment/payments made for 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 determining income credits from the last six months.
  • Business Profile also  Previous three years Income Tax returns (Both self and business)
  • Past three 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 charge favouring ‘The Particular Bank.’
  • A copy of the Buyer Agreement or the Allotment Letter.
  • Receipt / receipts of payment / payments made to  the developer.

Agriculturists:

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

Income Proof:

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

Property Related Documents:

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

Additional requirements for Co-applicants:

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

Home Loan Alwar 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 origin of salary i.e., working under the same employer for at least 1   year.

Self Employed Individual:

Candidates who are not professionally engaged in the working division but have their personal source of steady income are  also eligible for the Home Loan. This includes everybody  who is:

  • 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 income i.e. working under the same employer for at least one year.

Self Employed Professionals:

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

  • Doctors
  • Lawyers
  • Charted Accountant
  • Architect
  • Consultant
  • Engineer
  • 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 need to 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 Alwar

  • Visit  Dialabank, for a  Home Loan.
  • Go to the specific city on the 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 Alwar application form.
  • Once done, our representative will soon contact you for a further stress-free method.

Processing Fees / Prepayment Charges On Home Loan Alwar

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 Alwar

CIBIL Score Required For Home Loan Alwar

A Minimum CIBIL Score of 750 or above is considered by most banks and financial institutions for a home loan. However, many banks can also approve a loan with a CIBIL score within 650 to 750 if the applicant is one of their old customers or has a good relationship with the institute. In this case, the bank may charge a moderately higher interest rate on the home loans.

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 Alwar Agent / Broker

One of the significant and best agents of Home Loan Alwar 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 Alwar Contact Number

You can contact us by dialling on +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 Alwar

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

About Alwar

Alwar is a city in Rajasthan. It is a part of the National Capital  Region or NCR. It was formerly the capital of the Princely state of Alwar district.

Get Home Loan  Alwar information on Dialabank online!

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