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Home Loan in Ahmedabad

Apply for Instant Home Loan Online

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Apply for Instant Home Loan Online in Ahmedabad

Secure your dream home with Adiyogi Enterprise's tailored home loan solutions. Whether you're a first-time buyer or looking to refinance, we offer competitive rates, flexible terms, and a seamless application process. Our expert team is dedicated to guiding you every step of the way, ensuring a stress-free experience. Unlock the door to your new home with confidence, knowing you have the support of a trusted financial partner. Apply today and take the first step towards homeownership with Adiyogi Enterprise – where your financial goals are our priority. Visit us now to learn more and start your journey!

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  • Features
  • Eligibility
  • Documents
  • Fees & Charges

Features of Adiyogi's Home Loan

Here are some key features of a home loan offered by Adiyogi Enterprise:

  1. Competitive Interest Rates: Benefit from low-interest rates, making your home loan affordable.
  2. Flexible Repayment Options: Choose from various repayment plans tailored to your financial situation.
  3. Quick and Easy Application Process: Enjoy a streamlined application process with minimal paperwork.
  4. Expert Guidance: Receive personalized support from our experienced financial advisors.
  5. High Loan-to-Value Ratio: Get up to 90% of the property value financed.
  6. Tax Benefits: Avail tax deductions on both principal and interest payments.
  7. Prepayment and Foreclosure: Make prepayments or foreclose your loan without hefty penalties.
  8. Balance Transfer Facility: Transfer your existing home loan to Adiyogi Enterprise for better terms.
  9. Top-Up Loans: Access additional funds on your existing home loan for renovations or other needs.

  • Home Loan Eligibility

    Age:

    1. You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
    2. Salaried Person - 21 years to 58 years
    3. Self-Employed Person - 25 years to 65 years

    Income:

    1. Salaried Person - Minimum Rs. 10,000 per month
    2. Self-Employed Person - Minimum Rs. 2,00,000 per year

    Employment:

    1. Salaried Person - Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
    2. Self-Employed Person - Minimum 3 years of Experience in the current field

    Credit Score:

    • A credit score of 750 is considered a good score for approval.

  • Documents Required for Adiyogi's Home Loan

    Salaried Individuals:

    1. Form 16
    2. Employee Identity Card
    3. 3 Months Salary Slip
    4. 6 Month Bank Account Statement
    5. Duration of Employment Evidence

    Self-Employed Individuals:

    1. PAN
    2. Trade License
    3. Partnership Deed
    4. Article of Association
    5. Memorandum of Association
    6. Import Export Code
    7. SEBI Registration Certificate
    8. ROC Registration Certificate
    9. Financial Statement Audited by CA
    10. Profit & Loss Account Statement
    11. Balance Sheet
    12. 6 Months Bank Account Statement
    13. Professional Practice License for Doctors, Consultants, etc
    14. Registration Certificate of Establishment for Shops, Factories, and Other Establishments
    15. Business Address Proof

    Documents Required from all Non-Resident Indians (NRIs) Applicants:

    1. Income Proof Documents for NRI
    2. Property Papers
    3. Property Documents
    4. Sale Deed
    5. Stamped Agreement of Sale
    6. Allotment Letter
    7. No Objection Certificate or NOC
    8. Housing Society
    9. Builder
    10. Possession Certificate
    11. Land Tax Receipt
    12. Construction Cost Estimate
    13. Bank Account Statement of Payment Made to Seller or Builder
    14. Payment Receipt of Payment Made to Seller or Builder
    15. Incase of resale property share certificate is required
    16. Occupancy Certificate

    Fees and Charges for Home Loan

    Particulars Charges
    Loan Processing Fees 0.5% to 4% of Loan Amount
    Loan Cancellation Usually 3000 to 5% of Loan Amount
    Stamp Duty Charges As per the Value of the Property and State Tax
    Legal Fees As per actualt
    Penal Charges Usually 2% per month
    EMI / Cheque Bonus Approx 499/- to 599/-
    FAQ

    Frequently Asked Questions

    • 1. What types of home loans does Adiyogi Enterprise offer?

      Learn about the range of home loan products available, including options for purchasing a new home, refinancing an existing mortgage, or availing a loan for home renovations.

    • 2. How much loan amount can I avail for purchasing a home?

      Find out how Adiyogi Enterprise calculates the maximum loan amount based on factors such as your income, creditworthiness, property value, and loan-to-value ratio.

    • 3. What documents are required for applying for a home loan?

      Get details on the documentation needed to complete the home loan application process, including proof of identity, address, income, property documents, and others.

    • 4. What is the interest rate offered by Adiyogi Enterprise on home loans?

      Learn about the current interest rates offered by Adiyogi Enterprise, including fixed and floating rate options, and how they affect your monthly payments and overall loan cost.

    • 5. Can I get a pre-approved home loan from Adiyogi Enterprise?

      Explore the possibility of obtaining pre-approval for a home loan, which provides assurance of the loan amount you qualify for, making your home search more efficient.

    • 6. Is there a maximum loan-to-value ratio for home loans?

      Understand the maximum percentage of the property value that can be financed through a home loan, which varies based on the loan program and the borrower's financial profile.

    • 7. What are the repayment options available for home loans?

      Explore the various repayment options offered by Adiyogi Enterprise, including flexible EMIs (Equated Monthly Installments), tenure extension, and prepayment facilities.

    • 8. Can I apply for a home loan jointly with a co-applicant?

      Understand the benefits of applying for a home loan jointly with a co-applicant, such as increased loan eligibility, tax benefits, and sharing the financial burden of repayment.

    • 9. Are there any processing fees or hidden charges associated with home loans?

      Get information on the processing fees, documentation charges, legal fees, and other expenses associated with availing a home loan from Adiyogi Enterprise.

    • 10. How long does it typically take for a home loan application to be processed and approved?

      Understand the home loan application process timeline, including the time taken for document verification, property valuation, loan approval, and disbursement of funds.