Bandhan Bank provides home loans starting at 9.16% interest per year for amounts up to 90% of the property price. You can pay back the loan over a maximum of 30 years. They also have special home loan options for people who borrow through micro-banking, whether they have a job or not. loans are specifically for the construction of pakka and semi-pakka houses.
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Bandhan Bank Home Loan Highlights |
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|---|---|
| Interest Rate | 9.16%- 15.00% p.a. |
| Processing Charges | 0.25% – 1.00% + GST |
| LTV Ratio (Loan Amount) | Up to 90% of property cost |
| Loan Tenure | 5- 30 years |
Pre Approved Home loan | Check Eligibility & Apply Online
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh | |
|---|---|---|---|---|
| SBI Bank | 8.40% - 10.15% p.a. | 8.40% - 10.05% p.a. | 8.40% - 10.05% p.a. | Apply Now |
| HDFC Bank Limited | 8.40% p.a. onwards | 8.40% p.a. onwards | 8.40% p.a. onwards | Apply Now |
| Kotak Mahindra Bank | 8.70% p.a. onwards | 8.70% p.a. onwards | 8.70% p.a. onwards | Apply Now |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Apply Now |
| L&T Finance Limited | 8.60% p.a. onwards | 8.60% p.a. onwards | 8.60% p.a. onwards | Apply Now |
| Bajaj Housing Finance | 8.50% p.a. onwards | 8.50% p.a. onwards | 8.50% p.a. onwards | Apply Now |
| LIC Housing Finance | 8.35% - 10.35% p.a. | 8.35% - 10.55% p.a. | 8.35% - 10.75% p.a. | Apply Now |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50% - 11.45% p.a. | Apply Now |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Apply Now |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Apply Now |
| IDFC First Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Tata Capital Housing Finance | 8.70% p.a. onwards | 8.70% p.a. onwards | 8.70% p.a. onwards | Apply Now |
| Axis Bank | 8.70% - 13.30% p.a | 8.70% - 13.30% p.a | 8.70% - 9.10% p.a. | Apply Now |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Apply Now |
Also read: Best Home Loan in India
| Home Loan | Interest Rate (p.a.) |
|---|---|
| Su-awas Home Loan | 13% - 15% |
| Suvidha Home Loan | 9.16% - 13.33% |
| Sajavat Home Loan | 9.16% - 13.33% |
| Suraksha Home Loan | 9.16% - 13.33% |
Purpose: Bandhan Bank offers home loans exclusively for micro-banking borrowers, both salaried and non-salaried, to build either solid (pakka) or partially solid (semi-pakka) houses.
Tenure: 3-10 years
Loan Amount: Up to Rs 10 lakh
Purpose: Bandhan Bank provides home loans for construction, purchase, and extension of houses even to applicants who don't have formal income proof.
LTV Ratio: Up to 90% of property cost
Tenure: 5 - 30 years
Purpose: Bandhan Bank offers a standard home loan scheme for buying, extending, or constructing a house.
LTV Ratio: Up to 90% of the cost of property
Tenure: 5 - 30 years
Purpose: Bandhan Bank provides home loans specifically tailored for renovating and repairing existing houses, including tasks like plumbing, painting, or re-laying the roof.
Tenure: 5 - 15 years
LTV Ratio: Up to 80% of the cost of repair work
Also Read : Best Home Loan EMI Calculator
| Description | Charges |
|---|---|
| Processing Fees | 0.25% – 1.00% + GST |
| Login Fees | Rs 3,500 + GST |
| Administrative Fees | 0.25% – 2.00% + GST |
| Charges for Cheque Bounce | Rs 500 + GST |
| Penal Interest | 24% per annum |
| Rate of Interest Conversion Charges | 0.50%- 1.25%of outstanding balance |
| Pre-payment Charges on Floating Rate of Interest |
If applicant and co-applicant are individuals- NIL For one or more non-individuals applicants- 2% + GST |
| Repayment mode swap charges | Rs 500 + GST |
| Copy of Property Documents | Rs 50 + GST |
| CIC Charges | Rs 150 per individual + GST |
| Charges for registration of mortgage and release of charges | Rs 750 + GST |
| Stamp duty and Statutory Charges | At actuals as per applicable state laws |
| Miscellaneous/Legal Charges | At actuals |
| CERSAI Charges |
For creation: Rs 100 + GST For satisfaction: NIL |
| Valuation Report Charges | Rs 2,500 per property offered as security to the bank |
| Technical Inspection Charges | Rs 1,000 per visit for local + GST Rs 1,500 per outstation + GST |
| Search Report and TCC Charges | Rs 2,000 per property offered as security to the bank |
| Income Tax Certificate | Provided once annually free of cost Rs 30 + GST for subsequent requests |
| Account Statement | Provided free of cost once annually Rs 100 + GST for subsequent requests |
| Pre-payment Charges on Fixed Rate of Interest |
For loans repaid in less than 12 months, there's a charge of 4% of the outstanding principal plus GST. For loans repaid in more than 12 months, the charge is 2% of the outstanding principal plus GST. However, for cases disbursed under the previous Gruh scheme and upon submission of proof of self-sourced funds, there are no charges. |
Also read: Best Home Loan Fees and Charges
Also Read : Best Home Loan Eligibility
For salaried:
For self-employed:
Also Read : Best Home Loan Documents Required
Customer's gold ornaments are securely stored in a safe room constructed in compliance with government regulations. These rooms are equipped with electronic surveillance to ensure the protection of the gold.
Shriram Finance provides insurance for the gold kept as collateral by you. This ensures that in the event of theft, the borrower doesn't need to worry about the security of the gold.
The interest rate starts from 11.4% per annum (*p.a.) and you can select a loan tenure ranging from 1 month up to 12 months.
Salaried individuals, self-employed professionals, business owners, and other individuals aged between 18 and 75 years can apply for Shriram Finance Gold Loan.
The minimum age requirement is 18 years, and the maximum age limit is 75 years at the time of loan maturity.