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Art Housing Finance Ltd loan interest rate start from 6.50%

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Benefits Of Availing Home Loan From Rokdabazaar

  • Hassle free one-stop shop for all kinds of loans
  • Committed to offer the most appropriate solution at the best price
  • Customized solutions for customer specific requirements
  • Quotations for multiple lenders/banks
  • Free credit report check
  • Dedicated relationship management
  • Door-step services

Art Housing Finance Ltd Home Loan

Home Purchase For buying of ready built/ under-construction residential property
Home Extension Loan for as an additional room, a larger bathroom, additional floor, or even enclosing an open balcony construction/extension etc.
Home Construction For construction of a residential property only
Home Improvement For makeover/ renovation, both internal, as well as external, waterproofing and roofing, painting, of an existing residential house like tiling and flooring, plumbing and electrical work, waterproofing on terrace, grills and aluminium windows, paving of compound wall etc. construction of underground/overhead water tank etc.
Balance Transfer Loan Transfer of a Home Loan from a permitted organization
Balance Transfer + Top Up Loan Transfer of a Home Loan from a permitted organization with the facility of a top-up loan
Refinance Reimbursement of expenses already spent for buying, extending or constructing a home

Features

  • Loan tenure upto 30 years*
  • Loan amount ranging from Rs 3 Lakhs to Rs 50 Lakhs*
  • Striking rate of interest
  • Home Loans amount up to 90% of the property value*
  • No fore-closure or pre-payment charges in home loans, wherever applicable
  • Flexible and customised repayment options
  • Minimum income/profit of a family business/ member can be low upto Rs. 5000 p.m.*
    *Terms and Condition apply

Advantages:

  • Advance Technology enabled paperless application
  • Easy and fast documentation
  • Tailored customer service
  • Transparent easy-going processes
  • Customized and suitable solutions to suit your needs
  • Valuation based credit consideration
  • Fast and efficient processing
  • Attractive home loan interest rate
  • Professional and Trained Team

Documents Required:

  • Mandatory KYC documents of all applicants
  • Updated 06 months bank statements.
  • Income Proof: Salaried
    • Latest 3 month’s salary slip/ certificate from the employer
    • Current job contract letter/ appointment letter
    • Latest Form-16 (if available)
  • Income Proof: Self-Employed
    • Latest 2 years ITRs with other financials and CA audited/ certified
    • Business vintage/history proof for Self-employed clients
    • Business Registration Certificate
    • Partnership Deed with Registration Certificate issued by District Registrar in Partnerships
    • Trade License
    • Vat Registration Certificate/ Shop & Establishment Certificate
    • GST Registration Certificate/ CST Registration Certificate/ Service Tax Registration Certificate
    • Other document issued by Government identifying the entity
    • Required copy of property documents before sanction
      *Terms and Conditions apply

Eligibility Criteria:

  • Indian Citizen
  • Minimum 23 years from the date of commencement of the Loan
  • Loan maturity age upto 65 years*
  • Segments: Both Salaried and Self-employed
  • Segments: Both Formal and Informal Income
  • Eligibility is reliant on applicant’s cost of the proposed property, income and repaying capacity, business/employment vintage, age, assets and liabilities etc.
    *Terms and Conditions apply

CREDIT LINKED SUBSIDY SCHEME

Subsidy benefits under Pradhan Mantri Awas Yojana


Scheme Highlights

  • Applicable for four client’s income groups;
  • Low Income Group (LIG)
  • Middle Income Group-II (MIG-II)
  • Middle Income Group-I (MIG-I)
  • Economically Weaker Section (EWS)
  • Families with household1 income up to ₹ 18Lakhs are entitled the benefit of subsidy
  • Carpet areas varies on the basis of income group of customers
  • Subsidy amount of 3% to 6.5% on the eligible loan amount on different income group of clients

Eligibility Criteria

  • Women ownership of property is prioritised.
  • Any member of the household, must not have any pucca house on their name.
  • Other norms as per the table below
Scheme Income Group Max. Annual Household Income Loan Amt. qualified for Subsidy Rate of Interest Subsidy Carpet Area of the housing unit Max. Tenor Max. Subsidy Amount
Scheme for EWS Upto ₹ 3 lacs ₹ 6 lacs 6.50% Upto 30 Sq Mtrs 20 years Max ₹ 2.67 lacs
EWS/LIG LIG ₹ 3.01 lacs to ₹ 6 lacs ₹ 6 lacs 6.50% Upto 60 Sq Mtrs 20 years Max ₹ 2.67 lacs
Scheme for MIG MIG-I ₹ 6.01 lacs to ₹ 12 lacs ₹ 9 lacs 4.00% Upto 120 Sq Mtrs 20 years Max ₹ 2.35 lacs
Scheme for MIG MIG-II ₹ 12.01 lacs to ₹ 18 lacs ₹ 12 lacs 3.00% Upto 150 Sq Mtrs 20 years Max ₹ 2.30 lacs