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Apna Ashiana For Home     
Scheme For Granting Housing Loans :
  • For construction of new dwelling unit or purchasing new Residential House/ Flat.

  • For purchase of old House/ Flat

  • For purchase of Residential Plot of land and Construction of house therein.

Special features of Housing loan scheme “Apna Ashiyana” :
  1. Loans up to 5.00 Crore

  2. No guarantors required

  3. Higher deductions against income allowed

  4. Subsidy benefit up to Rs.2.67 lac under "Pradhan mantri Awas Yojna"

  5. Effective rate of interest 4.15% under "Pradhan mantri Awas Yojna"

  6. Easy and hassle-free loan processing

  7. No processing charges and other charges for limited period

  8. Repayment period up to 30 years

  9. Loan up to the age of 70 years (including repayment)

  10. Loan for purchase of land up to Rs.30.00 Lac

  11. EMI of Rs.744 per lac only

Eligibility :

All individual/s who own in his/her name the land on which the proposed house is to be constructed along with construction plan duly approved/sanctioned by competent authority/body. In case the land on which the proposed house is to be constructed stands in the joint names, all the joint owners should be made co-borrowers. The member of registered group housing society & farmers/agriculturists are also eligible under the scheme.

Rate Of Interest :

Click here for Rate Of Interest

Penal interest @1% shall be charged on amount in default up to six months for the period of default. If default period exceeds six months, penal interest @2% p.a. shall be levied on entire period of default.