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Home Loan from Axis Bank

Axis Bank Home Loan

Axis Bank offers affordable and flexible housing loans that can turn your dream of owning a home into reality. If rising real estate prices have pushed the house you coveted beyond your budget, Axis Bank's unmatched home loans will put it within reach. The attractive interest rates and minimal processing fees make Axis Bank's home finance products a first choice for savvy buyers. In addition, features such as flexible tenures, transparent processing and quick service have made Axis Bank's products stand out among the best home loans in India.

There are many obstacles, which are affecting you in getting close to your dream home. LoanMoney try to give answers to all questions from Axis Bank, and make this home loan process simple for you. Follow a few simple steps to help LoanMoney team understand your requirements.


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Eligibility Criteria & Documentation required for Axis Bank home loan

 

Salaried

Self Employed

Age 21 years to 60 years 21 years to 65 years
Income 2,00,000 p.a 2,00,000 p.a
Loan Amount Offered Upto 15 crore upto 15 cr
Tenure  5 - 25 years 5 - 25 years
Current Experience 2 years 2 years
Processing Fee
10000/- + Service Tax 0.25% of Loan Amount
Documentation
  • ID and pan card copy
  • Address proof
  • 6 months bank statement from salary account
  • Form 16
  • 3 months salary slip
  • Passport size photo
  • Under Construction Property: Down Payment Receipt, Agreement to Sell from Builder, Tri party Agreement
  • Ready to Move : Sale Deed/ Conveyance Deed/ Approved MAP
  • Processing fee cheque
  • ID and pan card copy
  • Address proof.
  • 1 passport size photo
  • Copy of bank statement (current account) for last one year
  • Income Proof:  ITR with computation of income, Balance sheet and Profit and Loss account statements.

  • Tenure can range up to 25 years for Housing Loan.
  • " Happy Ending Home Loan" Last 12 EMIs waived off*:
  • Self Employed Axis Bank Empower Home Loan for 3 rates reduction After expiry of 3/5/7 Yrs.


Axis Bank housing loans are designed for today’s home-hunter. Our easy home loans are rich in features and offer a number of benefits.

  • Attractive housing finance rates: We offer attractive interest rates that make your housing loans affordable and easier on your pocket every month.
  • Flexible rates: Choose between fixed and floating rate options depending on which way you think interest rates are moving.
  • Balance transfer facility: Not satisfied with your existing Home Loan provider? You can transfer your Home Loan to us without any hassles.
  • Doorstep service: You don't have to go the bank for Home Loans; the bank will come to your doorstep. Perfect for those leading busy lives.
  • Nil prepayment charges* : Come into some money and want to pay off your housing loan early? You can do that at Axis Bank without worrying about prepayment charges.

    * Valid only on floating interest rate Home Loans.


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For salaried individuals







Sr. No Type Loan amount (Rs.) MCLR + Mark Up Effective Rate Of Interest
1 Floating Rate Loan amount MCLR + 0.00% 8.85% p.a.



Top Up for existing customers Upto 30%- Same rate at which the home loan is running
30%-100%- LAP rate shall be applicable
     





For Self Employed








Sr. No Type Loan amount (Rs.) MCLR + Mark Up Effective Rate Of Interest
1 Floating Rate Loan amount upto Rs 28 lacs MCLR + 0% 8.85% p.a.
Loan amount above Rs 28 lacs MCLR + 0% 8.85% p.a.
Top Up for existing customers Upto 30%- Same rate at which the home loan is running
30%-100%- LAP rate shall be applicable
Marginal Cost Based Lending Rate (MCLR) – 8.85%
MCLR Reset frequency for Home Loans - Half Yearly
Base Rate - 9.35%
Customers who have availed disbursement or received a sanction prior to March 31, 2016 will continue to operate on base rate. Existing customers can get in touch with our customer care, if they wish to switch to MCLR.

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About Axis Bank:

Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994.

The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The share holding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003.

Apply Axis Bank Home Loan
It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.
Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.
Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.
A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.
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