Home Loan Varanasi

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Home Loan Varanasi

Best Banks For Home Loan Varanasi

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 Varanasi Features Home Loan Varanasi

Buying a 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 financially help with a Home Loan with Dialabank. The home loan journey will be quite confusing but with Dialabank you can get it easily.

If we talk about a Home Loan – In basic terms, it is a loan that is taken to either buy or to construct a new home. Here, the property for which the loan is taken is not owned by the loan applicant.

A home loan is not only available for buying a home or constructing one but also the applicant 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 things related to home property.

The loan 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 Varanasi

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

Home Loan Varanasi 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 Varanasi 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 for 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 for 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 is a must and any of Driving License/Voter ID/Passport

Income Proof:

  • Bank Statements showing salary credits for 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:

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

Apply for Home Loan

Home Loan Varanasi Eligibility Criteria 

Salaried Individual:

  1. The applicant’s nationality should be Indian.
  2. The applicant must be between the age group of  18 years to 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 involved in the working sector but have their 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  18 years to  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 involved in the working sector but have their 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 18 years to  65 years.

Self Employed Professionals:

Applicants who are professionally involved in the working sector are also eligible for the Home Loan in Varanasi. 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 18 years to  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.

Please find more information on Eligibility by visiting DialaBank.

Apply for Home Loan

How To Apply For Home Loan Varanasi

  • 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 Varanasi

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 Varanasi

CIBIL Score Required For Home Loan Varanasi

A CIBIL score of 750 and above is considered to be very good and it attracts a lower interest rate for a home loan in Varanasi. 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 behavior 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 a fresh loan.

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

Home Loan Varanasi Agent / Broker

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

You can contact us by dialling 9878981166 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 Varanasi

About Varanasi

Varanasi is a city in the northern Indian state of Uttar Pradesh dating to the 11th century. Regarded as the spiritual capital of India, the city draws Hindu pilgrims who bathe in the Ganges River’s sacred waters and perform funeral rites. Along the city’s winding streets are some 2,000 temples, including Kashi Vishwanath, the “Golden Temple,” dedicated to the Hindu god Shiva. Get Home Loan Varanasi information on Dialabank online!

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