Apna Aashiyana Scheme Naini Home Improvement Loan Naini Home TOP-UP Loan Suhana Safar for Vehicle Gyani Naini Sahyog Finance Against Immovable Property Scheme Residential Plot Purchase Scheme

Apna Ashiana Scheme (Housing Loan)

Purpose

Construction / Purchase of Residential House/ Flat.

Purchase of Residential Plot of land and Construction of House.

Takeover of Home Loans from other Banks/ HFCs/NBFCs/ FIs etc

Eligibility:

All individual/s including staff members of our bank 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.

Age :

Minimum age of the applicant must be 21 years; however, the minimum age of the co-applicant/s can be 18 years. Maximum age (Age of applicant + repayment period) of 70 years for salaried & 75 years for others.

Maximum Amount of Finance :

Rs.800.00Lakh

Margin :

10% to 25% depending upon amount of loan

Features :

No Personal Guarantee.

Repayment period of 30years.

The Housing Loan borrowers who avail car loan also may be extended concession of 0.25% on ROI applicable on Car Loan under Suhana Safar Scheme.