Home Loan Kota

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Home Loan Kota

Best Banks For Home Loan Kota

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 Kota Features

A new flat is what you want?

You can now apply now for a Home Loan to cover up to 90% of the purchasing expenses in Kota!Home Loan Kota

Basically, a home loan is a loan that is taken to either buy or create a new home. The property here for which the loan is taken is not owned by the loan applicant.

A home loan is not only prepared for buying a home or constructing one but also the applicant who is practising the loan can apply for different schemes for a home loan offered by the bank for additions, plot purchase, renovation, and many other things associated with home property.

The loan is available on the  subsequent kind of property:

  • New flat,
  • Ready to Move-in House,
  • Plot From MHADA, DDA, etc.,
  • Home development,
  • Home expansion,
  • Home remodelling.

Home Loans supporting  Pradhan Mantri Awas Yojana are also available in Kota

Please find more information on Eligibility below or by visiting Dialabank online.

Home Loan Kota 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 Kota Documents Required

Salaried Individual:

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

Income Proof:

  • Bank Statements showing salary credits of at least the previous 6 months.
  • Latest Salary Slips of the last three months.
  • Latest Form-16 and the IT returns
  • The employment Contract or Appointment Letter if the current employment is less than a year old.

Property Related Documents:

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

Self Employed Individual:

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

Income Proof:

  • Bank Statements conferring salary credits of the past 6 months.
  • Business Profile and Past 3 years Income Tax returns records (Both self and business)
  • Past three years Profit/Loss Account and Balance Sheet.

Proof Of Business:

  • Educational Qualifications Certificates for business proof
  • Business accomplishments (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.

Agriculturists:

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

Income Proof:

  • Bank Statements conferring salary credits of the past 6 months.
  • Copies of title home loan documents of farming Land showing crops being grown.

Property Related Documents:

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

Additional requirements for Co-applicants:

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

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Home Loan Kota Eligibility Criteria

Salaried Individual:

  1. The applicant’s nationality should be Indian by origin.
  2. The claimant’s age must be between  18 years to 65 years.
  3. Must have working experience and a legitimate cause of salary i.e working under the same employer for at least one year.

Self Employed Individual:

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

  • Traders
  • Commission agent
  • Contractors

Following is the criteria that 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 Professionals:

Applicants who are professionally employed in the working sector are suitable for the Home Loan in Kota. This includes:

  • 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 origin 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 first applicant.
  • All co-applicants are not expected to be the co-owners of the property.

Please find more information on home loan eligibility by visiting  DialaBank online.

Apply for Home Loan

How To Apply For Home Loan Kota

  • Visit Dialabank for a  Home Loan Kota.
  • Go to the specific city Home  Loan page.
  • Check out all the qualification and documents standards for a Home Loan.
  • Fill out the details required and asked in the Home Loan Kota application form.
  • Once done, our representative will soon reach you for a  further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Kota

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 Kota

CIBIL Score Required For Home Loan Kota

A  CIBIL score minimum of 750 or above is regarded by most of the banks and monetary 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 situation, the bank may impose moderately higher interest on the 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 includes details on the class of loans taken and the loan amount you should borrow. Any late refunds for previous loans can act as a barrier to your availing of a new loan.

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

Home Loan Kota Agent / Broker

One of the major and best agents of Home Loan Kota is Dialabank. Having vast exposure 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 Kota Contact Number

You can contact us by dialling 9878981166 to get more information regarding home loans and we will give you the best advice to help you achieve your dreams.

Pre Calculated EMI Table for Home Loan Kota

About Kota

Kota is a city previously known as Kotah in the southeast of the Indian state of Rajasthan. Kota is an educational hub in India.

Get Home Loan Kota information on Dialabank online!

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