Home Loan Ambala

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Home Loan Ambala

Best Banks For Home Loan Ambala
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 Ambala Features 

Buying a personal home is still, a dream for many. Whether having construction or buying your dream home we will help you to find the best home loans. Home Loan Ambala

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 takes to buy or construct a new house. 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:

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

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

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

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 Ambala 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
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 Ambala 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:

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

Property Related Documents:

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

Additional requirements for Co-applicants:

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

Home Loan Ambala 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 a 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 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 a 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 Ambala. 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 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 Ambala

  • 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 Ambala

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 Ambala

CIBIL Score Required For Home Loan Ambala

A CIBIL score of 750 and above is considered to be very good and it attracts a lower interest rate for home loans in Ambala. 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 Ambala Agent / Broker

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

You can contact us by dialing +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 Ambala

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

About Ambala

Ambala is a city and a municipal corporation in the Ambala district in the state of Haryana, India, located on the border with the Indian state of Punjab and in proximity to both states capital Chandigarh.

Get Home Loan Ambala information on Dialabank online!

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