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Axis Bank Home Loan for Salaried Person

Axis Bank Home Loan for Salaried Person

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Are you a salaried individual looking for a home loan? Axis Bank Home Loan for Salaried Persons offers attractive home loan schemes for both resident and non-resident Indians who are in permanent service in the government or reputed companies. You can avail a home loan of up to Rs. 5 crore with flexible repayment options and competitive interest rates. Whether you want to buy, construct, renovate or transfer your existing home loan, Axis Bank has a home loan product to suit your needs.

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Table of Content

1. Axis Bank Home Loan for Salaried Person Highlights

2. Axis Bank Home Loan for Salaried Person Fees and Charges

3. Axis Bank Home Loan for Salaried Person Documents Required

4. Axis Bank Home Loan for Salaried Person Eligibility Criteria

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal finance.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

Axis Bank Home Loan for Salaried Person – Highlights

Below are some of the key highlights of Axis Bank Home Loan for Salaried Person:

Feature	Description
Loan Amount	Up to Rs. 5 crore
Interest Rate	Starting from 6.90% p.a.
Tenure	Up to 30 years
Processing Fee	Up to 1% of the loan amount or Rs. 10,000, whichever is higher
Prepayment Charges	Nil for floating rate loans

Axis Bank Home Loan for Salaried Person – Fees and Charges

Apart from the processing fee and interest rate, you may have to pay some other fees and charges for your home loan, such as:

GST is applicable on all fees and charges
CERSAI charges of Rs. 50 + GST for loans up to Rs. 5 lakh and Rs. 100 + GST for loans above Rs. 5 lakh
Stamp duty as per the state laws
Valuation fee, legal fee, technical fee, etc. as per actuals

Axis Bank Home Loan for Salaried Person – Documents Required

To apply for a home loan, you need to submit the following documents along with the duly filled application form:

Proof of identity: Passport, Aadhaar card, driving licence, voter ID, etc.
Proof of address: Aadhaar card, driving licence, voter ID, electricity bill, gas bill, etc.
Proof of income: Salary slips, bank statements, Form 16, etc.
Proof of property: Sale deed, agreement to sell, allotment letter, etc.

Axis Bank Home Loan for Salaried Person – Eligibility Criteria

To be eligible for a home loan, you need to meet the following criteria:

You should be above 21 years of age at the time of loan commencement and up to 60 years of age or older, whichever is earlier, at the time of loan maturity
It is recommended that you earn at least Rs. 15,000 per month.
Your credit score and repayment history ought to be strong.
Both marketable property and a clear title are essential.

Frequently Asked Question (FAQs)

What is the repayment term for Axis Bank home loan for salaried person?

The repayment term for an Axis Bank home loan for salaried person is up to 30 years or superannuation, whichever is earlier at the time of loan maturity.

What is the minimum age for Axis Bank home loan to salaried person?

The minimum age for an Axis Bank home loan for salaried person is 21 years at the time of loan commencement.

What is the tenure limit for Axis Bank home loan to salaried person?

The tenure limit for Axis Bank home loan for salaried persons is 30 years.

What is the minimum and maximum Axis Bank home loan amount for a salaried person?

The minimum and maximum Axis Bank home loan amount for a salaried person is Rs. 3 lakhs and Rs. 5 crores, respectively.

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