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Aadhar Housing Finance Home Loan for Government Employees

Aadhar Housing Finance Home Loan for Government Employees

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Aadhar Housing Finance offers an excellent opportunity for government employees seeking to own a home. Recognising the stability and reliability of a government job, eligible applicants can expect a streamlined application process, flexible repayment options, personalised customer service, and more. Moreover, the bank offers competitive interest rates and reduced processing fees, making home ownership more affordable. Below, you will find a detailed overview of Aadhar Housing Finance home loans for government employees. This includes information on Aadhar Housing Finance home loan interest rate for government employees, eligibility requirements, necessary documentation, and any associated fees. To learn more about this excellent credit option, keep scrolling.

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Table of Content

1. Aadhar Housing Finance Home Loan for Government Employees Highlights

2. Aadhar Housing Finance Home Loan for Government Employees Fees and Charges

3. Aadhar Housing Finance Home Loan for Government Employees Documents Required

4. Aadhar Housing Finance Home Loan for Government Employees Eligibility Criteria

5. Aadhar Housing Finance Home Loan Schemes for Government Employees

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Aadhar Housing Finance Home Loan for Government Employees – Highlights

The Aadhar Housing Finance home loan interest rate for government employees and other key features are as follows:

Interest Rates	11.75% p.a. onwards
Loan Amount	Up to ₹1 Crore, subject to 80% of the property value
Loan Tenure	30 years or 60 years old, whichever comes earlier
Eligibility	Must receive a minimum salary of ₹10,000 per month

Aadhar Housing Finance Home Loan for Government Employees – Fees and Charges

Here are the expected fees and charges of the Aadhar Housing Finance home loan for government employees:

Fee/Charge	Amount
Login Fee	Up to ₹3500 + GST
Documentation Charges	Up to.₹5000 + GST
Legal, Valuation and Technical Charges	Up to.₹5800 + GST
Administrative Charges	Up to 1.5% of the loan amount
Penal Charges	2% per month on the default EMIs
Prepayment charges	Up to 3% of the loan amount

Aadhar Housing Finance Home Loan for Government Employees – Documents Required

The Aadhar Housing Finance home loan documents for government employees are as follows:

KYC Documents	Aadhar card, PAN card, driving license, or voter ID
Income Documents	Salary slips, bank statements, and Form 16.
Property Documents	Approved plan, property title, sale deed, etc.

Aadhar Housing Finance Home Loan for Government Employees – Eligibility Criteria

Following are the required documents for an Aadhar Housing Finance home loan for central government employees:

Age Limit	Between 21 and 60 years old
Employment Status	Should be either a state or central government employee
Income Requirement	Minimum of ₹10,000 per month
Credit Score	Preferably 700 or above
Nationality	Indian

Aadhar Housing Finance Home Loan Schemes for Government Employees

Here are the applicable schemes regarding the Aadhar Housing Finance home loans for government employees:

Aadhar Gram Unnati
Home Loan for Salaried Employees
Loan for Plot Purchase and Construction
Home Construction Loan

Frequently Asked Questions (FAQs)

How much can a government employee take a home loan from Aadhar Housing Finance?

The maximum loan amount available for Aadhar Housing Finance home loans for government employees can be up to ₹1 crore, subject to 80% of the property's value.

Which are the two home loan schemes provided by Aadhar Housing Finance to government employees?

Aadhar Housing Finance provides two major home loan schemes to government employees: Home Loan for Salaried Employees and Aadhar Gram Unnati.

What is the maximum age for government employees to repay the Aadhar Housing Finance home loan?

The maximum age for government employees to repay the Aadhar Housing Finance home loan is 60 years.

Who is eligible for Aadhar Housing Finance home loan for government employees?

Government employees with a minimum monthly salary of ₹10,000 are eligible for the Aadhar Housing Finance home loan for government employees.

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