A new home doesn’t just allow for personal growth, but it also creates a stable environment for a family to grow , and prosper together. With Aaradhya Realty ’s New Home Loan, you can invest in a future which has no financial restrictions, allowing you to be free in the comfort of your own home. Flexible tenures, low interest rates and easy repayment options allow you to obtain financial freedom, and save money in the process.. Applying for a new house loan is a simple procedure, you can apply for home loan online or visit any of our branches to get things going.
The maximum term of your home loan can be up to 30 years and it cannot extend beyond your retirement age or 60* years (whichever is earlier).
*60 years for salaried individuals and 70 years for self-employed individuals.
You can get a loan up to 100% of the home extension estimate subject to a maximum of 90% of its market value (whichever is lower) for the loan requirement up to Rs. 30 Lakh*. Extension estimate to be certified by chartered engineer/architect and duly verified by the Technical Officer.
Your home loan amount depends on your annual income and ability to repay the loan. You can increase your home loan amount by adding an earning co-applicant.
*For loans above Rs. 30 Lakh, the loan to value applicable will be as per the DHFL norm and policy guidelines.
Your home loan interest rate starts from 9.75%* p.a. Know more about fees and charges (*T&C Apply)
You can pay your home loan EMIs through:
Electronic Clearing Service (ECS)/ National Automated Clearing House(NACH)- based on standing instructions, given to your bank
Post Dated Cheques (PDCs) - Drawn on your salary/savings account. (Only for locations where ECS/NACH facility is not available.)
*As per Income Tax Act 1961 rules, the current applicable exemption under section 24(b) is Rs. 2,00,000/- for the interest amount paid in the financial year and up to Rs. 1,50,000/- (under section 80 C) for the principal amount repaid in the same year.
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Interest Rate & Charges 
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