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Home Loans Now

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Flexible Loan Amount
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Loan for Various Property Types
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Wide Range of Eligible Properties
EMI Starts From : ₹868/Lakh
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Aavas Housing Finance offers max funding upto 3 Crores

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Interest Rates starting @8.75%

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Tenure upto 30 years

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Aavas Housing FinanceAavas Housing Finance
  • Overview
  • Loan Calculations
  • Highlights
  • Home Loan Interest Rates
  • Compare With Other Banks
  • Processing Fees
  • Fees and Charges
  • Home Loan Types
  • EMI Calculator
  • Eligibility Criteria
  • Documents
  • Tenure
  • How to Apply
  • Loan Amount
  • Customer Care
  • Nearest Branches
  • Disbursement Process
  • Home Loan Insurance
  • Tax Benefits
  • Bank Features
  • Why Choose Credit Dharma

Aavas Financiers Home Loan

As life moves forward at a rapid pace, the dream of owning a home is one that continues to inspire many. Aavas Financiers, with its longstanding reputation in the banking industry, provides tailored home loan solutions that make this dream attainable.

Offering competitive rates, easy repayment options, and dedicated customer service, Aavas Financiers is your reliable partner in turning your homeownership dreams into reality.

Rate of Interest

8.50-10.5%

Loan to Value

80% - 90%

Loan Tenure

Max 30 years

Max Loan Amount

Upto 3cr

Rate of Interest8.50-10.5%
Loan TenureMax 30 years
AgeSalaried/ Self Employed : 18 - 75 years
ProfessionSalaried/Self Employed
IncomeMetro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
NationalityResident Indian/ NRI
Max Loan AmountUpto 3cr
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
LTV80% - 90%
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft Facility
Top Up Facility
Other OfferingsLoan Against Property, Home Improvement Loan, Business Loan
Processing FeesUp to 2% + GST
Other ChargesAdministrative Fees - Up to 2% + GST
Overdraft Facilities-
Highlights• Wide Range of Eligible Properties
• Integrated Branch Network
• Loan Amount Flexibility
• Flexible Tenure Options

*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.

Home Loan Calculations
₹50,00,000
20 Years
Loan Amount₹ 50,00,000
Loan Tenure20 years
Rate of Interest8.50-10.5%
Monthly EMI₹ 43,391 -
₹ NaN

Eligibility Criteria for Aavas Financiers Home Loan

CriteriaSalariedNon-Salaried
Age Range18-7518-75
NationalityIndianIndian
Maximum Age at Final Repayment7575

Calculate your Aavas Home Loan eligibility and unlock exclusive offers for you!

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Aavas Home Loan Interest Rates

Standard Home Loan Rates

CriteriaSalaried ROISelf Employed ROI
Interest Rate8.50% p.a. onwards8.50% p.a. onwards

Get the best Home Loan interest rates tailored for you

If you’re looking to choose the right home loan perfectly made according to your needs, then book a call with our experts here.

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Aavas Home Loan Processing Fee and Charges

Processing Charges

Charge TypeAmount
Processing FeesUp to 2% + GST
Nonpostal Stamp/Stamp DutyAs per the state law
Non-encumbrance Certificate/Verification ReportUp to Rs 5,000 + GST
Administrative ChargesUp to 2% + GST
Part Pre-payment/Foreclosure Charges5% + GST
Part-payment is allowed after the completion of 6 months from the date of the first disbursement.
Penal Interest36% per annum
Cancellation Charges/Disbursement CancellationIf requested within 7 days of disbursement- Rs 1,000 + GST
If requested after 7 days of disbursement- Rs 1,000 + GST and PEMI till the cancellation request

Aavas Home Loan Documents

Identity Documents

Doc Name Salaried Self Employed
PAN ✔ ✔
Voter ID ✔ ✔
Passport ✔ ✔
Driving Licence ✔ ✔
Aadhar Card ✔ ✔
Bank Account Statement or Passbook with Photograph & Bank Stamp on Photo ✔ ✔

Proof of Income

Doc Name Salaried Self Employed
Salary Slips/Bank Statement/Form 16 ✔ ✖
Salary Certificate ✔ ✖
IT Returns and/or Financial Statements of last 3 years ✖ ✔
Informal Income Documents ✖ ✔

Aavas Home Loan Schemes and Top Plans

Comparison

FeatureHome LoanHome Construction LoanMSME Loan for your Business ExpansionLoan Against Your PropertyHome Renovation LoanHome Loan Balance TransferResale Property Purchase Loan
Minimum Loan Amount–₹1 lakh₹1,00,000 onwards–––₹1 Lakh
Maximum Loan Amount–up to ₹1 Croreup to ₹1 Crore–––
Interest Rate8.50% p.a. onwards8.50% – 17% per annum13% p.a. onwards*–––
Tenureup to 30 years30 years for salaried customers (from government/ PSU/ Private sector). Net Salary should be more than ₹35,000 per month.Up to 7 yearsup to 30 yearsSalaried – 30 years
Self Employed – 20 years
Salaried – 30 years
Self Employed – 20 years
30 Years
Eligible ApplicantsSalaried or Self-employed25 years for other salaried customers.
20 years for self-employed customers
Both salaried and self-employed individuals
The borrower must be at least 18 years old and not more than 70 years old at the start of loan.

The minimum age of the applicant should be 18 years, and the maximum age should not exceed 70 years at the start of loan.
Any Indian citizen (salaried or self-employed) between the age group 18 to 75 years can apply for the loanSalaried or Self-employed

Details

Home Loan

  • Minimum Loan Amount: ₹1 lakh
  • Interest Rate: 8.50% p.a. onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried/Self-employed

Home Construction Loan

  • Minimum Loan Amount: ₹1 lakh
  • Interest Rate: 8.50% – 17% per annum
  • Tenure: 30 years for salaried customers (from government/PSU/Private sector)
  • Eligible Applicants: 25 years for other salaried customers. 20 years for self-employed customers

MSME Loan for your Business Expansion

  • Minimum Loan Amount: ₹1 lakh
  • Maximum Loan Amount: Up to ₹1 crore
  • Interest Rate: 13% p.a. onwards
  • Tenure: Up to 7 years
  • Eligible Applicants: Both salaried and self-employed individuals

Loan Against Your Property

  • Maximum Loan Amount: Up to ₹1 crore
  • Tenure: Up to 30 years
  • Eligible Applicants: The borrower must be at least 18 years old and not more than 70 years old at the start of the loan.

Home Renovation Loan

  • Minimum Loan Amount: ₹1 lakh
  • Tenure: Salaried – 30 years / Self-employed – 20 years
  • Eligible Applicants: Both salaried and self-employed candidates. The minimum age should be 18 years, and the maximum age should not exceed 70 years.

Home Loan Balance Transfer

  • Tenure: Salaried – 30 years / Self-employed – 20 years
  • Eligible Applicants: Any Indian citizen (salaried or self-employed) between the age group 18 to 75 years can apply for the loan

Resale Property Purchase Loan

  • Minimum Loan Amount: ₹1 lakh
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried or Self-employed

How to Apply

Applying for an Aavas home loan is a straightforward process:

  1. Check Eligibility: Verify that you meet the eligibility criteria for your selected loan product.
  2. Collect Documents: Gather all the required documents.
  3. Visit a Local Branch: Visit your nearest Aavas branch and fill out the application form.
  4. Submit Documents: Submit your application along with the required documents.
  5. Application Review: The bank will review your application and documents.
  6. Loan Approval: Upon approval, your loan will be sanctioned, and you can start your homeownership journey.

Do not want to get into this hassle? Get Aavas‘ best rates in a single call.

Call now!

Comparison

For detailed comparison between top banks you can visit our compare banks page.

BankUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
SBI Bank8.00% p.a. onwards8.00% p.a. onwards8.00% p.a. onwards
HDFC Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
LIC Bank8.50% – 10.35% p.a.8.50% – 10.55% p.a.8.50% – 10.75% p.a.
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Kotak Mahindra Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Punjab National Bank8.50% – 11.05% p.a.8.50% – 11.05% p.a.8.50% – 11.05% p.a.
Bank Of Baroda8.40% onwards8.40% – 10.65% p.a.8.40% – 10.90% p.a.
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwards
Axis Bank8.75%-10.30% p.a.8.75%-10.30% p.a.8.75%-10.30% p.a.
Bank of India8.40% p.a onwards8.40% p.a onwards8.40% p.a onwards
TATA Capital8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.
What is the interest rate of Aavas?

The interest rate for Aavas varies based on loan type and borrower profile, typically ranging from 8.50% to 11%.

Is Aavas Financiers a good company?

Aavas Financiers is considered a reputable company, specializing in affordable home loans with a focus on rural and semi-urban areas.

What is the current loan rate?

Current loan rates at Aavas range from around 8.50% to 11%, depending on various factors.

Is Aavas Financiers a government or private company?

Aavas Financiers is a private company.

Aavas Housing Finance Calculators
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