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About Home Loan in Guwahati
Guwahati is one of the largest city of Assam. It is situated on the banks of Brahmaputra river and is one of the growing cities of India. The manufacturing sector of the city is strong and contributes to the economy of the state. Also, the city is famous for the tea gardens and it has brought the substantial amount of employment in the city. It is one of the highest tea-producing areas of the world. The city has a lot of scope due to its natural landscape and location. The market is yet to be explored properly and investment is expected to pour in from several companies. To cater the needs of the people the banks have set up several branches and provide the locals with the financial assistance. Some of the best banks people prefer for home loans in Guwahati are mentioned below along with the main branch address for your reference.
Top Banks Offering Home Loan in Guwahati with Address
|Banks Name||Main Branch Address||Rate Of Interest|
|SBI||Pan Bazar, Guwahati, Assam- 781001||8.15% - 8.80%|
|HDFC Ltd||HDFC Bank Ltd, Quality Initiative Group, 2nd Floor, Build Well Compound Between Darwin School and NEPPCO Bhawan R G Baruah Road Guwahati, Assam-781005||8.65% - 9.50%|
|ICICI Bank||ICICI Bank Ltd, Ohio Shopping Complex, Fancy Bazar, M.G.Road, Guwahati, Assam-781001||9.20%-9.65%|
|Axis Bank||Administrative Office, Chibber |
House, 3rd Floor, G S Road,
Guwahati. Assam-781 005
|8.85% - 9.50%|
|Punjab National Bank||Nilgiri Mansion, Bhangagarh, G S Road,Guwahati, Assam-781005||8.10% - 8.70%|
|Indiabulls HFL||8.80% - 11.05%|
|Bank of Baroda||G.S. Road, Bhangagarh, Guwahati, Assam-781005||8.40% - 9.40%|
|DHFL||1st Floor, Trebenies commercial complex, Bhanagarh, G. S. Road, Guwahati, Assam - 781007||9.05% - 9.95%|
|IDBI Bank||G.S. Road, Guwahati, Assam-781005||8.25% - 8.80%|
|Interest Rate||8.10% - 21.00%|
|Processing Fee||0% to 1.25 % of the loan amount|
|Tenure/ Repayment||1-30 years|
Eligibility criteria for home loan in Guwahati
|Particulars||Salaried Individuals||Self-Employed Individual||Partnership Firm||Private/Public Ltd. Company(in existence for at least 3 years)|
|Age||The applicant should be above 21 years old at time of application, and less than 58 years of age at time of maturity of the loan||Any proprietor, partner, professional or director above 21 years but below 65 years at the time of the loan maturity.|
|Income||Gross annual income of at least ₹ 1,80,000 per annum||Gross annual income of at least ₹1,80,000lakhs||Firm should have a minimum PAT (profit after tax) of ₹3 lakhs||Minimum PAT (profit after tax) of ₹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 3 years|
Proof of Identity- PAN Card/Driving license/ Voter ID/Passport/Aadhar Card.
Proof of address- Passport/Utility bill/Aadhar card
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, the Detailed cost of construction, Letter of allotment, Original NOC.
About Home Loan
Home loan is the product that is offered by most of the banks and NBFC to people so that their dream to have a place for themselves become true. The loan may continue up to 30 years and can be used to buy, extend or renovate your home.