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Aadhar Housing Finance 2019

Aadhar Housing Finance 2019

About Aadhar Housing Finance

Aadhar Housing Finance Ltd., as the name suggests, is an organization which lends financial support in the form of home loans to individuals who wish to own a home. The organization extends financial help to individuals belonging to middle and lower income groups. Aadhar Housing Finance, a subsidiary of WGC, has facilitated home loans to more than 100,000 families. Promoted by the International Finance Corporation in association with Dewan Housing Finance Ltd. (DHFL), the organization aims at providing housing loans to salaried individuals or to self-employed individuals as well as to people who have an agriculture based source of income. The organization wishes to boost the growth of the people belonging to middle income and low income groups. It has 9 operating branches spread across the nation.

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Aadhar Housing Finance Loan EMI calculator

The organization also extends the facility of EMI calculator for all its applicants. This calculator is basically a tool which enables all the loan aspirants to get beforehand information on the amount of EMI they will have to pay in order to avail loans from the Company.

The loan applicant has to punch in basic details such as loan tenure, interest rate as well as the amount of loan he wishes to avail from the company. On receiving the details, the home loan EMI calculator immediately does the necessary calculations and displays the amount of EMI which will have to be paid by the applicant in case he avails the loan.This tool is very helpful as it allows an applicant to plan his finances accordingly and take the right decision. 

  1. Aadhar housing finance Home loan for home improvement

     

    1. Can be availed for redecorating one’s home by ways of repainting, plumbing, boundary wall construction and similar other improvement work.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  2. Loan for purchase of plot and construction
    1. Can be availed to purchase local land not of agricultural stature and to be used only for residential home construction purpose.
    2. The applicant can avail of an Aadhar loan up to Rs. 1 Crore for plot loans and Rs.1 Crore for plot + construction loan but not exceeding 70% in case of purchase of plot only of the cost of plot or 80% (in case of construction) of the construction cost.
    3. Can avail loans for a period of 10 years.
  1. Loan Against property (LAP)
    1. Salaried or self employed individuals may avail loan against their existing property.
    2. A maximum amount of Rs.1 Crore.
    3. Can avail loans for a period of 10 years. However, the tenure cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.

Is there any home loan eligibility calculator for aadhar housing finance?

Aadhar housing finance home loan eligibility depends on various factors like monthly income, savings, property value, credit history, employment status or business stability. Though people can calculate their home loan eligibility through  home loan eligibility calculator.

In order to apply for a loan with the organization, the applicant has to submit certain documents. The document to be submitted varies and depends upon the nature of source of income of the applicant. Let us go through the various documents required as per one’s income status.

Documents Required for Salaried Individuals

  1. KYC Documents: KYC consists of the below mentioned documents:
  2. A valid Photo id proof: The applicant has to submit a copy of either his passport, Driving License, PAN Card, Aadhar Card or his Voter ID. All are considered to be legal identification proof.
  3. Residential proof: The applicant has to submit a copy of his passport, Electricity Bill, Ration Card, Telephone Bill, Employer’s Letter or a copy of his latest bank statement or an updated passbook. All are considered to be legal residential proof.
  4. Last 3 months salary slip
  5. Copies of bank statements or an updated passbook containing details of the past 6 months transactions.
  6. Company’s Profile: This has to be submitted by individuals working with firms that are not recognized.

The following documents have to be submitted by people belonging to this category:

  1. KYC Documents: KYC documents as mentioned above
  2. A copy of his IT returns for the past three years as well as a statement showing computation of his income. The same has to be duly attested and acknowledged by a reputed Chartered Accountant.
  3. Balance Sheet as well as details of his Profit and Loss A/c for the past three years, which again has to be duly attested by a Chartered Accountant.
  4. Bank statement containing details of the applicant’s savings as well as current account.
  5. A copy of partnership deed, in case of a business under partnership.
  6. Copy of Tax Deduction Certificate/ Form 16 A, if applicable
  7. Contract Details, If applicable
  8. Copy of paid taxes as well as copy of Callahan made towards payment of self assessment tax.
  9. For individuals belonging to the category of self-employed professional applicant, a copy of their educational qualification certificate has to be submitted.
  10. For individuals belonging to the category of self employed professional applicant, a copy of their Professional Practice certificate has to be submitted.
  11. A copy of the certificate of salary has to be submitted by individuals who belong to the self employed professional category and work as doctors and earn salary.
  1. Home Loan for salaried individuals
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Must have a minimum income of Rs.5,000 per month.
    3. Can avail loans for a period of 30 However, it cannot extend above the retirement age of the applicant. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    4. Factors like interest rate, amount and loan tenure affects the EMI.
    5. Loan can be applied for either singly or jointly.
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Can avail loans for a period of 30 years. However, it cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  1. Home loan for the home extensions
    1. Can be availed for constructing additional floors or making extensions to existing premises.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.

Home Loan at interest rate starting from 11% per annum

Aadhar Housing Finance Loan EMI calculator

The organization also extends the facility of EMI calculator for all its applicants. This calculator is basically a tool which enables all the loan aspirants to get beforehand information on the amount of EMI they will have to pay in order to avail loans from the Company.

The loan applicant has to punch in basic details such as loan tenure, interest rate as well as the amount of loan he wishes to avail from the company. On receiving the details, the home loan EMI calculator immediately does the necessary calculations and displays the amount of EMI which will have to be paid by the applicant in case he avails the loan.This tool is very helpful as it allows an applicant to plan his finances accordingly and take the right decision. 

  1. Aadhar housing finance Home loan for home improvement

     

    1. Can be availed for redecorating one’s home by ways of repainting, plumbing, boundary wall construction and similar other improvement work.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  2. Loan for purchase of plot and construction
    1. Can be availed to purchase local land not of agricultural stature and to be used only for residential home construction purpose.
    2. The applicant can avail of an Aadhar loan up to Rs. 1 Crore for plot loans and Rs.1 Crore for plot + construction loan but not exceeding 70% in case of purchase of plot only of the cost of plot or 80% (in case of construction) of the construction cost.
    3. Can avail loans for a period of 10 years.
  1. Loan Against property (LAP)
    1. Salaried or self employed individuals may avail loan against their existing property.
    2. A maximum amount of Rs.1 Crore.
    3. Can avail loans for a period of 10 years. However, the tenure cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.

Is there any home loan eligibility calculator for aadhar housing finance?

Aadhar housing finance home loan eligibility depends on various factors like monthly income, savings, property value, credit history, employment status or business stability. Though people can calculate their home loan eligibility through  home loan eligibility calculator.

In order to apply for a loan with the organization, the applicant has to submit certain documents. The document to be submitted varies and depends upon the nature of source of income of the applicant. Let us go through the various documents required as per one’s income status.

Documents Required for Salaried Individuals

  1. KYC Documents: KYC consists of the below mentioned documents:
  2. A valid Photo id proof: The applicant has to submit a copy of either his passport, Driving License, PAN Card, Aadhar Card or his Voter ID. All are considered to be legal identification proof.
  3. Residential proof: The applicant has to submit a copy of his passport, Electricity Bill, Ration Card, Telephone Bill, Employer’s Letter or a copy of his latest bank statement or an updated passbook. All are considered to be legal residential proof.
  4. Last 3 months salary slip
  5. Copies of bank statements or an updated passbook containing details of the past 6 months transactions.
  6. Company’s Profile: This has to be submitted by individuals working with firms that are not recognized.

The following documents have to be submitted by people belonging to this category:

  1. KYC Documents: KYC documents as mentioned above
  2. A copy of his IT returns for the past three years as well as a statement showing computation of his income. The same has to be duly attested and acknowledged by a reputed Chartered Accountant.
  3. Balance Sheet as well as details of his Profit and Loss A/c for the past three years, which again has to be duly attested by a Chartered Accountant.
  4. Bank statement containing details of the applicant’s savings as well as current account.
  5. A copy of partnership deed, in case of a business under partnership.
  6. Copy of Tax Deduction Certificate/ Form 16 A, if applicable
  7. Contract Details, If applicable
  8. Copy of paid taxes as well as copy of Callahan made towards payment of self assessment tax.
  9. For individuals belonging to the category of self-employed professional applicant, a copy of their educational qualification certificate has to be submitted.
  10. For individuals belonging to the category of self employed professional applicant, a copy of their Professional Practice certificate has to be submitted.
  11. A copy of the certificate of salary has to be submitted by individuals who belong to the self employed professional category and work as doctors and earn salary.
  1. Home Loan for salaried individuals
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Must have a minimum income of Rs.5,000 per month.
    3. Can avail loans for a period of 30 However, it cannot extend above the retirement age of the applicant. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    4. Factors like interest rate, amount and loan tenure affects the EMI.
    5. Loan can be applied for either singly or jointly.
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Can avail loans for a period of 30 years. However, it cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  1. Home loan for the home extensions
    1. Can be availed for constructing additional floors or making extensions to existing premises.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.

Features and Benefits of the Aadhar Housing Finance Ltd.

Aadhar Housing Finance Loan EMI calculator

The organization also extends the facility of EMI calculator for all its applicants. This calculator is basically a tool which enables all the loan aspirants to get beforehand information on the amount of EMI they will have to pay in order to avail loans from the Company.

The loan applicant has to punch in basic details such as loan tenure, interest rate as well as the amount of loan he wishes to avail from the company. On receiving the details, the home loan EMI calculator immediately does the necessary calculations and displays the amount of EMI which will have to be paid by the applicant in case he avails the loan.This tool is very helpful as it allows an applicant to plan his finances accordingly and take the right decision. 

  1. Aadhar housing finance Home loan for home improvement

     

    1. Can be availed for redecorating one’s home by ways of repainting, plumbing, boundary wall construction and similar other improvement work.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  2. Loan for purchase of plot and construction
    1. Can be availed to purchase local land not of agricultural stature and to be used only for residential home construction purpose.
    2. The applicant can avail of an Aadhar loan up to Rs. 1 Crore for plot loans and Rs.1 Crore for plot + construction loan but not exceeding 70% in case of purchase of plot only of the cost of plot or 80% (in case of construction) of the construction cost.
    3. Can avail loans for a period of 10 years.
  1. Loan Against property (LAP)
    1. Salaried or self employed individuals may avail loan against their existing property.
    2. A maximum amount of Rs.1 Crore.
    3. Can avail loans for a period of 10 years. However, the tenure cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.

Is there any home loan eligibility calculator for aadhar housing finance?

Aadhar housing finance home loan eligibility depends on various factors like monthly income, savings, property value, credit history, employment status or business stability. Though people can calculate their home loan eligibility through  home loan eligibility calculator.

In order to apply for a loan with the organization, the applicant has to submit certain documents. The document to be submitted varies and depends upon the nature of source of income of the applicant. Let us go through the various documents required as per one’s income status.

Documents Required for Salaried Individuals

  1. KYC Documents: KYC consists of the below mentioned documents:
  2. A valid Photo id proof: The applicant has to submit a copy of either his passport, Driving License, PAN Card, Aadhar Card or his Voter ID. All are considered to be legal identification proof.
  3. Residential proof: The applicant has to submit a copy of his passport, Electricity Bill, Ration Card, Telephone Bill, Employer’s Letter or a copy of his latest bank statement or an updated passbook. All are considered to be legal residential proof.
  4. Last 3 months salary slip
  5. Copies of bank statements or an updated passbook containing details of the past 6 months transactions.
  6. Company’s Profile: This has to be submitted by individuals working with firms that are not recognized.

The following documents have to be submitted by people belonging to this category:

  1. KYC Documents: KYC documents as mentioned above
  2. A copy of his IT returns for the past three years as well as a statement showing computation of his income. The same has to be duly attested and acknowledged by a reputed Chartered Accountant.
  3. Balance Sheet as well as details of his Profit and Loss A/c for the past three years, which again has to be duly attested by a Chartered Accountant.
  4. Bank statement containing details of the applicant’s savings as well as current account.
  5. A copy of partnership deed, in case of a business under partnership.
  6. Copy of Tax Deduction Certificate/ Form 16 A, if applicable
  7. Contract Details, If applicable
  8. Copy of paid taxes as well as copy of Callahan made towards payment of self assessment tax.
  9. For individuals belonging to the category of self-employed professional applicant, a copy of their educational qualification certificate has to be submitted.
  10. For individuals belonging to the category of self employed professional applicant, a copy of their Professional Practice certificate has to be submitted.
  11. A copy of the certificate of salary has to be submitted by individuals who belong to the self employed professional category and work as doctors and earn salary.
  1. Home Loan for salaried individuals
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Must have a minimum income of Rs.5,000 per month.
    3. Can avail loans for a period of 30 However, it cannot extend above the retirement age of the applicant. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    4. Factors like interest rate, amount and loan tenure affects the EMI.
    5. Loan can be applied for either singly or jointly.
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Can avail loans for a period of 30 years. However, it cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  1. Home loan for the home extensions
    1. Can be availed for constructing additional floors or making extensions to existing premises.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.

Who all are eligible for Aadhar Housing Finance home loans?

Aadhar Housing Finance Loan EMI calculator

The organization also extends the facility of EMI calculator for all its applicants. This calculator is basically a tool which enables all the loan aspirants to get beforehand information on the amount of EMI they will have to pay in order to avail loans from the Company.

The loan applicant has to punch in basic details such as loan tenure, interest rate as well as the amount of loan he wishes to avail from the company. On receiving the details, the home loan EMI calculator immediately does the necessary calculations and displays the amount of EMI which will have to be paid by the applicant in case he avails the loan.This tool is very helpful as it allows an applicant to plan his finances accordingly and take the right decision. 

  1. Aadhar housing finance Home loan for home improvement

     

    1. Can be availed for redecorating one’s home by ways of repainting, plumbing, boundary wall construction and similar other improvement work.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  2. Loan for purchase of plot and construction
    1. Can be availed to purchase local land not of agricultural stature and to be used only for residential home construction purpose.
    2. The applicant can avail of an Aadhar loan up to Rs. 1 Crore for plot loans and Rs.1 Crore for plot + construction loan but not exceeding 70% in case of purchase of plot only of the cost of plot or 80% (in case of construction) of the construction cost.
    3. Can avail loans for a period of 10 years.
  1. Loan Against property (LAP)
    1. Salaried or self employed individuals may avail loan against their existing property.
    2. A maximum amount of Rs.1 Crore.
    3. Can avail loans for a period of 10 years. However, the tenure cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.

Is there any home loan eligibility calculator for aadhar housing finance?

Aadhar housing finance home loan eligibility depends on various factors like monthly income, savings, property value, credit history, employment status or business stability. Though people can calculate their home loan eligibility through  home loan eligibility calculator.

In order to apply for a loan with the organization, the applicant has to submit certain documents. The document to be submitted varies and depends upon the nature of source of income of the applicant. Let us go through the various documents required as per one’s income status.

Documents Required for Salaried Individuals

  1. KYC Documents: KYC consists of the below mentioned documents:
  2. A valid Photo id proof: The applicant has to submit a copy of either his passport, Driving License, PAN Card, Aadhar Card or his Voter ID. All are considered to be legal identification proof.
  3. Residential proof: The applicant has to submit a copy of his passport, Electricity Bill, Ration Card, Telephone Bill, Employer’s Letter or a copy of his latest bank statement or an updated passbook. All are considered to be legal residential proof.
  4. Last 3 months salary slip
  5. Copies of bank statements or an updated passbook containing details of the past 6 months transactions.
  6. Company’s Profile: This has to be submitted by individuals working with firms that are not recognized.

The following documents have to be submitted by people belonging to this category:

  1. KYC Documents: KYC documents as mentioned above
  2. A copy of his IT returns for the past three years as well as a statement showing computation of his income. The same has to be duly attested and acknowledged by a reputed Chartered Accountant.
  3. Balance Sheet as well as details of his Profit and Loss A/c for the past three years, which again has to be duly attested by a Chartered Accountant.
  4. Bank statement containing details of the applicant’s savings as well as current account.
  5. A copy of partnership deed, in case of a business under partnership.
  6. Copy of Tax Deduction Certificate/ Form 16 A, if applicable
  7. Contract Details, If applicable
  8. Copy of paid taxes as well as copy of Callahan made towards payment of self assessment tax.
  9. For individuals belonging to the category of self-employed professional applicant, a copy of their educational qualification certificate has to be submitted.
  10. For individuals belonging to the category of self employed professional applicant, a copy of their Professional Practice certificate has to be submitted.
  11. A copy of the certificate of salary has to be submitted by individuals who belong to the self employed professional category and work as doctors and earn salary.
  1. Home Loan for salaried individuals
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Must have a minimum income of Rs.5,000 per month.
    3. Can avail loans for a period of 30 However, it cannot extend above the retirement age of the applicant. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    4. Factors like interest rate, amount and loan tenure affects the EMI.
    5. Loan can be applied for either singly or jointly.
    1. The individual may avail loan up to Rs. 1 Crore or amounting to 80% of the property cost, whichever is higher.
    2. Can avail loans for a period of 30 years. However, it cannot extend above the retirement age of the applicant.It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.
  1. Home loan for the home extensions
    1. Can be availed for constructing additional floors or making extensions to existing premises.
    2. Can avail loans for a period of 20 years. However, the applicant must be below 60 years of age at the time of end of the loan tenure. It means that the entire loan amount has to be paid back by the individual before he reaches the age of 60 years.
    3. Loan can be applied for either singly or jointly.

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