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Home Loan in Ghaziabad

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.

Apply Home Loan @ 8.65%* Rate

Top Banks offering Home Loan in Ghaziabad

BanksMain Branch AddressHome Loan Interest Rate
SBIShop No -23 ,Panchsheel Wellington, Crossing Republic, Ghaziabad, Uttar Pradesh 2010099.15% - 11.30%
ICICI BankAshok Marg, Block 15, Sector 10, Raj Nagar, Ghaziabad, Uttar Pradesh 2010029.00% - 10.05%
HDFC LtdD - 44 RDC Raj Nagar, Raj Nagar, Ganesh Puri, Ghaziabad, Uttar Pradesh 2010018.50% - 9.40%
Axis BankBG- 1, BF- 1, Plot No. 3, Vaibhav Khand, Aditya City Centre, Indirapuram, Ghaziabad, Uttar Pradesh 2010128.75% - 9.15%
PNB HFLUG 11,12 & 13, SG Beta Tower, Plot No 10, Sector 3, Vasundhara, Ghaziabad, Uttar Pradesh 2010118.50% - 11.95%
Bank of Baroda4 Kiran Enclave G.T. Road, Ghaziabad- 201001, Uttar Pradesh8.50% - 10.60%
LIC HFLLic of India, Office – 3, Nov-88, Sector 3
Rajendra Nagar, Ghaziabad, Uttar Pradesh
8.50% - 10.75%
Canara BankMain Govindpuram Rd, Block I, D-Block, Govindpuram, Ghaziabad, Uttar Pradesh 2010138.85% - 11.25%
IDBI BankDr Sushila Naiyar Marg, Vaibhav Khand, Indirapuram, Ghaziabad, Uttar Pradesh 2010108.80% - 12.25%

Home Loan Ghaziabad in a nutshell

Interest Rate6.70% - 14.00%
Processing Fee0 to 1.25% of the loan amount along with service taxes if applicable
Pre-payment/Part-payment chargesNIL for floating
Tenure/Repayment1 to 30 years

Eligibility Criteria for home loans in Ghaziabad

ParticularsSalaried IndividualsSelf-employed individualPartnership FirmPrivate/Public Ltd. Company (in existence for at least 3 years)
AgeThe applicant should be at least 21 years at the time of application and 58 years at the time the loan maturesAny proprietor, partner, professional or director above 21 years but below 65 years at the time of loan maturity
IncomeMinimum income of at least Rs. 1,80,000 per annumMinimum annual income of Rs. 1,80,000Minimum Profit after Tax (PAT) of at least Rs. 3 LakhsMinimum Profit after Tax (PAT) of at least Rs. 3 Lakhs
Job StabilityThe total employment stability should be more than 2 years and current employment stability of minimum 1 yearBusiness 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 .

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