Home Loan Anand

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Home Loan Anand

Best Banks For Home Loan Anand

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 Anand Features

Do you desire to move into a new bigger flat? But are you questioning how well you handle the funds that would be required? Don’t worry, Home Loan got you covered here!

Talking about a Home Loan – Basically a home loan that is taken to either buy or to build a new residence. Here, property for which the loan is taken is not held by the loan applicant. Home Loan Anand

A home loan is not only possible for buying a home or building one but also the applicant who is taking the loan can use different schemes for a home loan given by the bank for expansions, plot purchase, renovation, and many other things related to home property.

The loan is available 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 beneath the Pradhan Mantri Awas Yojana are also available in Anand.

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


Home Loan Anand 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

Know more about: documents required for home loans.

Salaried Individual:

Copy of Proof of Identity and Proof of Residence like Aadhaar, PAN, Driving License, Passport, Voter ID, etc.

Income Proof: 

  • Bank Statements conferring salary credits from the past 6 months.
  • Latest Salary Slips from the past 3 months.
  • Latest Form-16 and IT returns.
  • Employment Contract or Appointment Letter if the current employment is less than 1 year old.

Property Related Documents:

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

Self Employed Individual:

Valid ID and Residence Proof: 

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

Income Proof: 

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

Proof Of Business: 

  • Educational Qualifications and Certificates.
  • Business accomplishments (Certificate or awards if any).

Property Related Documents:

  • A cheque for processing charge favouring ‘The Particular Bank.’
  • Copy of: Buyer Agreement or Allotment Letter 
  • Receipt/(s) of pay/(s) given to the developer

Agriculturists:

KYC Proof – PAN Card (is Mandatory) and any of Driving License/Voter ID/Passport

Income Proof: 

  • Bank Statements conferring salary credits from the past 6 months.
  • Photocopies of title and documents of farming Land showing crops being cultivated

Property Related Documents:

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

Additional requirements for Co-applicants:

Passport measurement photo of all co-applicants to be affixed on the Application Form and signed across.

Home Loan Anand Eligibility Criteria 

Salaried Individual:

  1. The candidate’s nationality should be Indian.
  2. The candidate needs to be within the age group of (Minimum of) 18 years to (Maximum of) 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.

    Know more about the eligibility criteria for a home loan.

Self Employed Individual:

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

  • Traders
  • Commission agent
  • Contractors

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

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

Self Employed Professionals:

Candidates who are professionally engaged in the working division are also eligible, for the Home Loan in Anand. This includes everybody 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 candidate ‘s nationality should be: Indian.
  2. The candidate needs to be between the age group of (Minimum of) 18 years to (Maximum of) 65 years.

Additional Criteria for Co-applicants:

  • Co-applicant must be the family member of the original applicant.
  • All co-applicants are not expected to be the co-owners of the property.

Please get more information on Eligibility by visiting DialaBank online.


How To Apply For Home Loan Anand

  • Visit Dialabank for the Home Loan.
  • Go to a particular city Home Loan page.
  • Check out the eligibility and documents criteria for a Home Loan.
  • Fill out all the details needed in the Home Loan Anand application form.
  • Once done, our representative will soon contact you for a further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Anand

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 Anand

CIBIL Score Required For Home Loan Anand

Minimum CIBIL score of 750+ is viewed by most of the banks and financial institutions for a home loan. However, many banks can also accept a loan with a CIBIL score between 650 to 750 if the candidate is one of their old customers or has a good connection with the institute. In this example, the bank may charge a moderately higher interest rates on the home loans.

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

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

Home Loan Anand Agent / Broker

One of the main and best agents of Home Loan Anand is- Dialabank. Having vast experience in the area put an advantage. Dialabank has served thousands of loan seekers and has successfully achieved what is agreed upon!

You can hit Dialabank online for information on Home Loan

Home Loan Anand Contact Number

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

Pre Calculated EMI Table for Home Loan Anand

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

About Anand

Anand is the city in the region recognised as Charotar, consisting of Anand and Kheda Districts in the Indian state of Gujarat. It rests between Ahmedabad and Vadodara. It is referred to as the Milk Capital of India. The city grew famous for Amul dairy and its milk revolution.

Get Home Loan Anand information on Dialabank now online!

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