Home Loan in Ghaziabad
Last Updated : Sept. 28, 2019, 12:08 p.m.
About Home Loan in Ghaziabad
Ghaziabad is a city in Uttar Pradesh which falls under the National Capital Region (NCR) belt. It is known as the Gateway to the state of Uttar Pradesh due to its proximity to New Delhi. It has turned out to be a major industrial, commercial and educational hub of western Uttar Pradesh. The city is turning out to be a hub of real estate as many commercial and residential projects are being set up at an increasing level. As a result, new avenues of job creation have been opened. This has caught the attention of both banking and non-banking sectors who are ready to provide financial assistance to people in the city. If you are also looking for a lender for a home loan, have a look at some of the top banks and NBFCs in Ghaziabad where you can apply.
Top Banks offering Home Loan in Ghaziabad
| Banks | Main Branch Address | Home Loan Interest Rate |
|---|---|---|
| SBI | Shop No -23 ,Panchsheel Wellington, Crossing Republic, Ghaziabad, Uttar Pradesh 201009 | 9.15% - 11.30% |
| ICICI Bank | Ashok Marg, Block 15, Sector 10, Raj Nagar, Ghaziabad, Uttar Pradesh 201002 | 9.00% - 10.05% |
| HDFC Ltd | D - 44 RDC Raj Nagar, Raj Nagar, Ganesh Puri, Ghaziabad, Uttar Pradesh 201001 | 8.50% - 9.40% |
| Axis Bank | BG- 1, BF- 1, Plot No. 3, Vaibhav Khand, Aditya City Centre, Indirapuram, Ghaziabad, Uttar Pradesh 201012 | 8.75% - 9.15% |
| PNB HFL | UG 11,12 & 13, SG Beta Tower, Plot No 10, Sector 3, Vasundhara, Ghaziabad, Uttar Pradesh 201011 | 8.50% - 11.95% |
| Bank of Baroda | 4 Kiran Enclave G.T. Road, Ghaziabad- 201001, Uttar Pradesh | 8.50% - 10.60% |
| LIC HFL | Lic of India, Office – 3, Nov-88, Sector 3 Rajendra Nagar, Ghaziabad, Uttar Pradesh | 8.50% - 10.75% |
| Canara Bank | Main Govindpuram Rd, Block I, D-Block, Govindpuram, Ghaziabad, Uttar Pradesh 201013 | 8.85% - 11.25% |
| IDBI Bank | Dr Sushila Naiyar Marg, Vaibhav Khand, Indirapuram, Ghaziabad, Uttar Pradesh 201010 | 8.80% - 12.25% |
Home Loan Ghaziabad in a nutshell
| Particulars | Details |
|---|---|
| Interest Rate | 6.70% - 14.00% |
| Processing Fee | 0 to 1.25% of the loan amount along with service taxes if applicable |
| Pre-payment/Part-payment charges | NIL for floating |
| Tenure/Repayment | 1 to 30 years |
Eligibility Criteria for home loans in Ghaziabad
| Particulars | Salaried Individuals | Self-employed individual | Partnership Firm | Private/Public Ltd. Company (in existence for at least 3 years) |
|---|---|---|---|---|
| Age | The applicant should be at least 21 years at the time of application and 58 years at the time the loan matures | Any proprietor, partner, professional or director above 21 years but below 65 years at the time of loan maturity | ||
| Income | Minimum income of at least Rs. 1,80,000 per annum | Minimum annual income of Rs. 1,80,000 | Minimum Profit after Tax (PAT) of at least Rs. 3 Lakhs | Minimum Profit after Tax (PAT) of at least Rs. 3 Lakhs |
| Job Stability | The total employment stability should be more than 2 years and current employment stability of minimum 1 year | Business stability should be more than three years | ||
Documentation required for a home loan in Ghaziabad
- Proof of Identity – PAN Card/Driving license/ Voter ID/Passport/Aadhar Card
- Proof of address – Passport/ Telephone bill/Aadhar card/Electricity bill
- Proof of Income – Latest salary slip/ ITR/Form-16
- Bank Statement – Last 3 months bank statement/ last 6 months bank passbook
- Property Documents – Agreement sale copy, Certificate of possession, Land tax receipt, Detailed cost of construction, Letter of allotment, Original NOC
About Home Loan
Why take the tension of paying house rent every month when you can use the same amount to pay EMIs for your home loan. Home Loan is a major product which is provided by all the Banks and Non-Banking Financial Companies (NBFCs) to the applicants who want to build a home of their choice. The applicant has to meet all the eligibility criteria set by the banks and NBFCs and also complete the required documentation work on time. This product provides wings to the dreams of many people who wish to have a dream home. You can also check your EMI before applying for the loan so as to finalize the deal that suits your budget .
Best Offers For You!
Home Loan Details
Home Loan by Top Banks
Home Loan Rates by Top Banks
- SBI Home Loan Interest Rates
- HDFC Bank Home Loan Interest Rates
- Tata Capital Home Loan Interest Rates
- LIC Home Loan Interest Rates
- PNB Housing Finance Home Loan Interest Rates
- ICICI Home Loan Interest Rates
- Bank of Baroda Home Loan Interest Rates
- Axis Bank Home Loan Interest Rates
- Indiabulls Home Loan Interest Rates
- Reliance Home Loan Interest Rates
Home Loan Calculator by Top Banks
- SBI Home Loan EMI Calculator
- HDFC Bank Home Loan EMI Calculator
- Tata Capital Home Loan EMI Calculator
- LIC Home Loan EMI Calculator
- PNB Housing Finance Home Loan EMI Calculator
- ICICI Home Loan EMI Calculator
- Bank of Baroda Home Loan EMI Calculator
- Axis Bank Home Loan EMI Calculator
- Indiabulls Home Loan EMI Calculator
- Reliance Home Loan EMI Calculator