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Mortgage Loan in Ahmedabad

L&T Housing Finance Mortgage Loan Apply

L&T Housing Finance Mortgage Loan Apply in Ahmedabad

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Adiyogi Enterprises proudly partners with L&T Housing Finance Ltd to offer you exceptional Mortgage loan services. Benefit from competitive interest rates starting at just 10.00% per annum, with flexible tenures extending up to 30 years and loan amounts reaching up to Rs 20 Crores. Switch your existing Mortgage loan from other banks and housing finance companies to L&T Housing Finance Ltd through our balance transfer facility, and enjoy lower interest rates. Additionally, take advantage of pre-approved Mortgage loans with in-principle approval, valid for 4 months even before you finalize your property.

L&T Housing Finance Mortgage Loan @10.00% Interest Rate

Interest Rate starting from 10.00%
Loan Amount Up to Rs 20 Crore
Loan Tenure Up to 30 years
Processing Charges 0.25%-0.50% of loan amount (Rs 8,500-Rs 25,000)

L&T Housing Finance Ltd Mortgage Loan Eligibility

Age
  • To apply for a mortgage loan, you must be at least 18 years old.
  • There is no specific upper age limit, but the loan tenure typically ranges from 5 to 30 years, depending on the lender's policies.

Income
  • The minimum income requirement varies based on the lender and the loan amount. Generally, lenders prefer applicants with stable and sufficient income to cover monthly mortgage payments.
  • For salaried individuals, the minimum monthly income required may range from Rs. 20,000 to Rs. 50,000.
  • For self-employed individuals, the minimum annual income required may range from Rs. 3,00,000 to Rs. 5,00,000.

Employment
  • Most lenders require applicants to have a stable employment history. For salaried individuals, this typically means being employed for at least 2 to 3 years in the current job or with the same employer.
  • Self-employed individuals may need to provide proof of their business existence for a minimum of 3 to 5 years.

Credit Score
  • A good credit score is crucial for mortgage loan approval. While specific requirements vary among lenders, a credit score of 700 or above is generally considered favorable.
  • Applicants with higher credit scores are likely to qualify for lower interest rates and better loan terms.

L&T Housing Finance Ltd Mortgage Loan EMI Calculator

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FAQ

Frequently Asked Questions

  • 1. What types of mortgage loans does L&T Housing Finance Ltd. offer?

    L&T Housing Finance Ltd. offers various types of mortgage loans, including loans for purchasing residential properties, constructing a new property, renovating or extending an existing property, and transferring existing loans from other financial institutions.

  • 2. What are the eligibility criteria for a mortgage loan from L&T Housing Finance Ltd.?

    The eligibility criteria typically include factors such as age, income, employment status, credit score, and property valuation. Both salaried and self-employed individuals may apply, with specific requirements varying.

  • 3. What documents are required for applying for a mortgage loan from L&T Housing Finance Ltd.?

    The necessary documents typically include proof of identity, address, income, employment, property documents, and any additional documents specified by the lender.

  • 4. What is the interest rate for mortgage loans at L&T Housing Finance Ltd.?

    L&T Housing Finance Ltd. offers competitive interest rates on mortgage loans, which may vary based on factors such as loan amount, tenure, and the borrower's credit profile. It's advisable to check the current rates on their official website or contact their customer service for precise details.

  • 5. How can I check my mortgage loan application status with L&T Housing Finance Ltd.?

    You can typically track the status of your mortgage loan application online through L&T Housing Finance Ltd.'s website or customer portal. Alternatively, you may contact their customer service or visit a branch for assistance.