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Mortgage Loan in Ahmedabad

Apply for Mortgage Loan Online

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Apply for Mortgage Loan Online in Ahmedabad

Secure your dream home with Adiyogi Enterprise's tailored mortgage loan solutions. Whether you're a first-time buyer or looking to refinance, we offer competitive interest rates, flexible repayment terms, and a seamless application process. Our expert mortgage advisors are 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 and property dreams are our priority. Visit us now to learn more about our mortgage options and start your journey!

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Choose Your Bank to Know More..

  • Features
  • Eligibility
  • Documents
  • Fees & Charges

Features of Adiyogi's Mortgage Loan

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

  1. Secured Loan: The loan is secured against the value of your property. The property acts as collateral, reducing the risk for the lender. This generally leads to lower interest rates compared to unsecured loans.
  2. Loan Amount: The loan amount is determined based on the value of the property you pledge. Generally, you can get a higher loan amount compared to personal loans or other unsecured loans.
  3. Flexible Tenure: The tenure (repayment period) for a Loan Against Property is usually longer compared to other types of loans, often ranging from 5 to 20 years. This allows for lower monthly installments.
  4. Multipurpose: The loan amount can be used for a wide range of purposes, giving you the flexibility to address various financial needs without any restrictions.
  5. Improves Credit Scores: Successfully repaying a Loan Against Property can positively impact your credit score, as it demonstrates responsible borrowing behavior.

  • Mortgage Loan Eligibility

    1. Nationality: Successfully repaying a Loan Against Property can positively impact your credit score, as it demonstrates responsible borrowing behavior.
    2. Occupation and Income: Your lender will require you to furnish details regarding your occupation and income to prove your professional and financial stability to determine your creditworthiness.
    3. Credit History: Your three-digit Credit Score, indicative of your track record in respect of repayment of loans, and other forms of credit will be a deciding factor to prove your eligibility for a LAP.
    4. Banking Relationship: Should you have a healthy relationship with your lender, you will not be disapproved for a LAP. Additionally, your lender will offer you better terms and conditions in respect of loan value, interest rates, period of the loan, hidden charges, and processing fees.
    5. Market Value of Property: Your lender retains the right to decide the loan amount and terms and conditions of your mortgage loan based on the market value of your collateral property. Besides, the market value of the mortgaged property must be higher than the loan amount calculated on the current value of your property.
    6. Title of Property: Your lender will require you to be the current existent owner of the property, and in case of a co-application, you will require to prove multiple ownership clear title. Besides, the property must not be mortgaged with any other financial institution.

  • Documents Required for Adiyogi's Mortgage Loan

    1. Proof of identity/residence
    2. Proof of income
    3. Property-related documents
    4. Proof of Business (for self-employed)
    5. Account statement for the last 6 months

    Fees and Charges for Mortgage Loan

    Particulars Charges
    Loan Processing Fees 0.5% to 4% of Loan Amount
    Loan Cancellation Usually around Rs 3,000
    Stamp Duty Charges As per actuals
    Legal Fees As per actuals
    Penal Charges Usually 2% per month; 24% p.a.
    EMI / Cheque Bonus Around Rs 400 per bounce
    FAQ

    Frequently Asked Questions

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

      Discover the range of mortgage loan options provided by Adiyogi Enterprise, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), jumbo loans, FHA loans, VA loans, and more.

    • 2. What are the eligibility criteria for obtaining a mortgage loan from Adiyogi Enterprise?

      Learn about the requirements regarding credit score, income, employment history, debt-to-income ratio, and other factors necessary to qualify for a mortgage loan with Adiyogi Enterprise.

    • 3. How does Adiyogi Enterprise calculate the maximum loan amount I can avail for purchasing a home?

      Understand the factors such as income, creditworthiness, property value, and loan-to-value ratio that Adiyogi Enterprise considers when determining the maximum loan amount you can avail for purchasing a home.

    • 4. What documents are required for applying for a mortgage loan with Adiyogi Enterprise?

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

    • 5. What is the current interest rate offered by Adiyogi Enterprise on mortgage loans?

      Learn about the current interest rates offered by Adiyogi Enterprise for different types of mortgage loans, including fixed-rate and adjustable-rate options, and how they impact your monthly payments and overall loan cost.

    • 6. Can I get pre-approved for a mortgage loan with Adiyogi Enterprise?

      Explore the option of obtaining pre-approval for a mortgage loan, which provides assurance of the loan amount you qualify for, simplifying your home search and making your offer more competitive.

    • 7. What is the maximum loan-to-value (LTV) ratio allowed by Adiyogi Enterprise for mortgage loans?

      Understand the maximum percentage of the property value that can be financed through a mortgage loan with Adiyogi Enterprise, which may vary depending on the loan program and your financial situation.

    • 8. What are the repayment options available for mortgage loans from Adiyogi Enterprise?

      Explore the various repayment options offered by Adiyogi Enterprise, including fixed EMIs (Equated Monthly Installments), flexible tenure options, and the possibility of making prepayments without penalties.

    • 9. Can I apply for a mortgage loan jointly with a co-borrower?

      Learn about the advantages of applying for a mortgage loan jointly with a co-borrower, including increased loan eligibility, potentially lower interest rates, and shared responsibility for loan repayment.

    • 10. Are there any additional fees or charges associated with mortgage loans from AdiyogiEnterprise?

      Get information on any processing fees, documentation charges, appraisal fees, closing costs, or other expenses associated with availing a mortgage loan from Adiyogi Enterprise.