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Home Loan in Gurugram

Home Loan in Gurugram

Last Updated : Sept. 28, 2019, 12:05 p.m.

About Home Loan in Gurugram

Gurgaon also known as Gurugram, is one of the prime cities of Haryana which falls in the National Capital Region (NCR) area. The city has the third highest per capita income in our country and is home to more than 250 fortune 500 companies. It has become a major industrial and financial hub with many Multinational Companies setting up their base here. This has appealed to various banks and NBFCs who are trying to build a customer base by taking care of the financial concerns of the people of Gurugram. Also known as the Millennium city of India, it has become one of the most prominent offshore centres of the world. If you are planning to buy a home in Gurugram, you must have a look at the top lenders providing lowest interest rates on home loans .

Apply Home Loan @ 8.65%* Rate

Top Banks with Branch Addresses in Gurugram offering Home Loan

BankMain Branch AddressHome Loan Interest Rate
SBIPlot 364, PhaseII, Udyog Vihar Dundahera, Gurugram, Haryana, Pin -1220069.15% - 11.30%
ICICI BankCICI Bank Ltd, SCO 18 & 19, Huda Shopping Centre, Sector - 14, Market Complex, Gurugram, Haryana- 1220019.00% - 10.05%
HDFC LtdPremises No. SCO-19, 2nd Floor, Sector-14, (Opp. Huda), Gurgaon.8.50% - 9.40%
Axis BankSCO - 29, Sector - 14, Near Huda Office, Old Delhi - Gurugram Road- 122001, Haryana8.75% - 9.15%
PNB HFLSCO No. 391, Sector - 29,
Urban Estate Near Iffco Chowk Metro Station,
Gurugram - 122001,
8.50% - 11.95%
Bank of BarodaGround Floor, Peach 3 Building,
Sushant Lok, Phase-1, Block C, Sector 43, Gurugram, Haryana-
8.50% - 10.60%
LIC HFLLIC Housing Finance Limited
The Plaza, S. F. 15, M.g. Road,
Near Iffco Chowk,
Gurgaon - 122001
8.50% - 10.75%
DHFLPremises No. SCO-19, 2nd Floor, Sector-14, (Opp. Huda), Gurgaon9.05% - 9.95%
IDBI BankNo. 6-7, Vipul Square, Sector Road, Block B, Sushant Lok Phase- 1, Gurugram, Haryana 1220028.80% - 12.25%
Indiabulls HFLIndiabulls House, 448-451, Udyog Vihar, Phase - V, Gurugram, Haryana - 122001.9.30% Onwards

Home Loan in Gurugram Details

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 Required

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

  • 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

Having a home is one of the most cherished dreams a human being can have. We have so many plans regarding how we will decorate our home and make it the perfect place to live in. But many times, when you are unable to fulfill your dream of buying a home due to shortage of funds. Many leading banks and Non-Banking Financial Companies provide a home loan to eligible applicants who are in need of financial support and want to buy a house of their own. All they have to do is meet the given eligibility criteria and submit documents without any delay. The applicants can secure a home loan for a maximum tenure of thirty years. As a matter of fact, home loan interest rates are the lowest of all the products offered by banks and NBFCs.

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