Home Loan Pune

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Home Loan Pune

Best Banks For Home Loan Pune

 

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 Pune Features                                     

Buying a brand-new house is a dream for many and requires a lot of funds but now you don’t have to worry about it as we at Dialabank can help you out.

Get help financially with a Home Loan with Dialabank. A home loan course  will be quite complicated but with Dialabank you can get it easily. Home Loan Pune

If we speak about a home loan – in fundamental terms, it is a loan that is used to either buy or to build a brand-new home. Here, this property for which the loan is used is not held by the loan applicant.

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 proposed by the bank for extensions, plot purchase , renovation , and many other things related to home property.

A home loan is now available on the following sorts 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 Pune.

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

Home Loan Pune 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 Pune Documents Required

Salaried 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.
  • Latest Wage Slips of last  three months.
  • Latest Form-16 and IT returns to be issued.
  • Employment Contract or Appointment Letter if the current employment is less than a year old.

Property Related Documents:

  • Cheque for processing charge favouring ‘The Particular Bank.’
  • Copy of the Customer Agreement or Allotment Letter
  • Receipt/(s) of payment/(s) made

Self Employed Individual:

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

Income Proof:

  • Bank Statements giving salary credits from the last six months.
  • Business Profile and Previous three years Income Tax returns- foe both self and business
  • Previous three years Profit/Loss Account and Balance Sheet.

Proof Of Business: 

  • Educational Qualification Certificates
  • Business accomplishments (if any Certificate or awards)

Property Related Documents:

  • A cheque  for processing  charge favouring  ‘The Particular Bank.’
  • Copy of the Buyers  Agreement or Allotment Letter 
  • Receipt/ receipt of payment/payments made to the developer by the individual

Agriculturists:

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

Income Proof:

  • Bank Statements conferring salary credits of latest six months.
  • Copies of title records of Agricultural Land showing crops being farmed

Property Related Documents:

  • Cheque for processing charge favouring ‘The Particular Bank.’
  • Copy of the Allotment Letter or  the Buyer Agreement
  • Receipt/recepits of payment/ payments made to the developer by the individual

Additional requirements for Co-applicants:

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

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

Home Loan Pune Eligibility Criteria 

Salaried Individual:

  1. The applicant’s nationality should be Indian.
  2. The claimant must be between the age group of minimum of 18 years to maximum of  65 years.
  3. Must have working knowledge and a certain source of salary i.e working beneath the same employer for at least a year.

Self Employed Individual:

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

  • Tradesmen
  • 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 minimum 18 years to maximum 65 years.
  2. Must have working experience and a genuine source of wages i.e.  serving under the same organisation for at least one year.

Self Employed Individual:

Applicants who are non-professional occupied in the working sector but have their  source of income constant are also suitable for the Home Loan. This includes everybody who is a:

  • Tradesmen
  • Commission agent
  • Contractors

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

  1. The claimant’s nationality should be Indian.
  2. The candidate needs to be between the age group of  18 years to and  65 years.

Self Employed Professionals:

Candidates who are professionally occupied in the working sector are also suitable for the Home Loan in Pune. This includes:

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

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

  1. The claimant’s nationality should be Indian.
  2. The applicant must be between the age group of 18 years to  65 years.

Additional Criteria for Co-applicants:

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


For more information on home loan eligibility, snap on the given link.

How To Apply For Home Loan Pune

  • Visit   Dialabank for a Home Loan.
  • Go to the particular city Home Loan page.
  • Check out all the  acceptability and documents   criteria as to apply for the Home Loan.
  • Fill out  the details required  in the Home Loan application form.
  • Once completed, our representative  will soon reach  you for a  additional stress-free process.

Processing Fees / Prepayment Charges On Home Loan Pune

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 Pune

CIBIL Score Required For Home Loan Pune

A CIBIL score  750 or more extra  is thought to be very good and it draws a lower home loan interest rate for home loans in Pune. Still, a CIBIL score between 650 to 750 could be taken if you have a good income or you have a good connection with the bank you are applying to but a moderately higher rate of interest will be offered in that case. If you have ever missed EMI and your CIBIL score is very low, then your loan application might be denied.

Keeping a good CIBIL score is a good work as every monetary institution strictly examine the detailed behaviour of the previous loans taken. This covers details on the type of loan taken and the loan amount you have obtained. Any overdue payments for previous loans can act as a check to your availing a fresh home loan.

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

Home Loan Pune Agent / Broker

One of the major and most reputable and trustworthy agents of Home Loan Pune is Dialabank. Having wide experience in the field put an   interest. Dialabank has served with thousands of mortgage seekers and has successfully delivered what is agreed upon!

You can visit Dialabank online for the information on Home Loan

Home Loan Pune Contact Number

You can contact Dialabank by dialling on  +919878981166  to get extra information about home loans and we will provide you the best advice to help you fulfil your desires.

Pre Calculated EMI Table for Home Loan Pune

Click on provided link to check your EMI: Home Loan EMI Calculator

About Pune

Pune is a sprawling city of India located in the western Indian state of Maharashtra. It was formerly the base of the Peshwas (prime ministers) of the Maratha Empire, which continued from 1674 to 1818. It’s known for the grand Aga Khan Palace, built-in 1892 and now a memorial to Mahatma Gandhi, whose ashes are saved in the garden. The 8th-century Pataleshwar Cave Temple is devoted to the Hindu god Shiva.

Get Home Loan Pune information on Dialabank online!

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