Housing Loan to allottees of GHB / AMC

Our bank has tied up with GHB / AMC for sanctioning  Housing Loans to allottees under their Housing Scheme.

Salient features of our Housing Loan Scheme are as under :

Loan Amount Bank considers 85% of {sale deed + Stamp duty, Registration charges, GST, Property insurance) as Maximum Housing loan amount subject to total exposure not exceeding Rs. 70.00 Lacs per dwelling unit.
Loan Interest
Up to 25 Lacs(Priority Sector Loan)
EMI NON EMI
8.35% 8.60%

 

More than 25 Lacs

 

EMI NON EMI
8.50% 8.75%

Note: Women applicants will be eligible for further concession of 0.10% in above mentioned revised interest rates. Thus, rate of interest applicable to women borrowers for loans up to ` 25.00 lacs under EMI scheme will be 8.25% and Non-EMI 8.50 % for loans up to 25.00 lacs to women borrowers rates will be 8.40 % under EMI and 8.65% under Non-EMI scheme.

 Processing Fees  
Upto Rs. 25.00 lacs Rs. 2500 + GST
Above Rs. 25.00 lacs 0.20% of the senctioned amount + GST
(Subject to Maximum of Rs.7500 + GST)

 
Share linking 1.00% of the loan amount sanctioned (Maximum 25000/-)

Housing Loan Subsidy :-

  • Annual Income of the Family should be less then Rs.6.00 lacs per annum. (for LIG)
  • Annual Income of the family should be less then Rs. 3.00 lacs per annum. ( for EWS )
  • Family should not own any house property other then the one under present housing loan.
  • A house is defined as an all-weather single unit or a unit in a multi–stored super structure having carpet area of up to 30 sq. m. for EWS category and upto 60 sqm. For LIG category.

For all other terms and conditions, kindly contact our nearest branch.

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