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Key Benefits

Attractive interest rates

Loan tenure up to 30 years*

Quick & transparent processing

Nil pre-payment charges for floating rate home loans given to individuals

Attractive balance transfer option available

Door step services

Offerings

Step Up

Landed your first job? Then buying a home isn’t a dream far away! Set your hefty EMI worries aside and start small with a Step Up Home Loan.

Pay lower EMIs for up to 3 years* and gradually pay higher as you earn more and progress in your career.

Enjoy the flexibility of a loan repayment tenure of up to 25 years*.

Step Down

Move into your dream home as you welcome your golden years! With a Step Down Home Loan, get started with higher EMIs during your active years to ensure a worry-free retirement ahead.

By easing your debt burden with higher payments now, you can smoothly transition to lower EMIs after retirement.

Enjoy the flexibility of a loan repayment term of up to 25 years* and enhance your eligibility by including a working co-applicant on your home loan application.

Extended Tenure Home Loan

We understand that EMIs dominate your financial planning and budgeting. With an Extended Tenure Home Loan, your EMIs become affordable so that you can manage your expenses and make happy memories, without the stress!

Choose convenient EMIs with a longer tenure of up to 25 years* and repay at your pace, till the age of 70*.

Get in touch with our specialists to learn more about the eligibility criteria and how to apply for a Home Loan with us.

Signature Club

Get 25% Discount

on all modular solutions with

Get 30% Discount

on all woodwork interiors with

Benefits worth
2999/- at 299/-

Exclusively curated healthcare
packages for ABHFL customers

Offers on Flights, Buses and
Hotel Bookings

Offer up to 3500/-
on flights

FAQs

A home loan is a type of a secured loan that is availed by a user from financial institutions to purchase a house. A house loan is repaid by paying regular equated monthly installments (EMI) which includes of a part of the principal taken as a loan and the interest accrued.

You can apply for our housing loans through various options:

Download the home loan application form from our website
Submit the duly filled form to your nearest branch
Pay home loan processing fee
Submit the duly filled form to your nearest branch
Get home loan approval

Aditya Birla Housing Finance provides home loans starting at an interest of 8.65% p.a. It offers home loan tenure as long as 30 years and maximum loan can be up to 75% of property's cost.

There is no minimum amount of housing loan. The minimum amount is subject to changes as per internal policies and guidelines of ABHFL.

As per sections 80C, 24(b) and 80EEA of the Income Tax Act, you are eligible to receive tax benefits on repayment of home loan principal and interest of your home Loan. Please consult your tax advisor for details.

Given below are some of the crucial factors that determine your home loan eligibility:

Income of all applicants.
Age of the primary applicant
Other income, existing EMIs
Stability and continuity of the primary applicant's occupation
Repayment Capacity
Credit Score

Yes, based on your income eligibility, we can offer you PNI (Property Not Identified) Sanction Letter for your home loan. You can identify the property you need to buy based on this document. The final sanction of your home loan will be based on the assessment of the identified property. However, if the property is under construction, kindly speak to your assigned sales manager for acceptability.

ABHFL’s home loan application procedure is simple. Given below is a guide to home loan application process-

Step 1: Home Loan Application
Step 2: Loan Document Submission
Step 3: Legal & Technical Verification
Step 4: Home Loan Approval
Step 5: Home Loan Sanction
Step 6: Home Loan Disbursement

The following types of home loans are provided in India by Housing Finance Institutions:

Home Construction Loan
Home Loan for Plot Purchase and Construction
Home Extension Loan
Home Renovation Loan
Construction Finance
Loan Against Property

ABHFL offers home loan tenure as long as 30 years and maximum loan can be up to 90% of property's cost.

Housing loans are processed within 15 working days of completing the documentation as required by ABHFL.

All the co-owners of the residential property can be co-applicants to the housing loan.

You may prepay your housing loan before your home loan tenure is completed. Please note that there may be some prepayment charges on home.

No. You don’t require a guarantor for your housing loan. You will need a home loan guarantor in specific situations given below:

If the primary applicant has a weak financial position
If the applicant wants to borrow a housing loan which is more than his eligibility
If the applicant is earning less than the required minimum income

A home loan provisional certificate is your home loan account given by your lender. Home loan provisional statement is a summary of the principal amount and interest repaid by you towards your house loan for the given financial year.

Taking Home loan insurance is not compulsory. It is however suggested that you may take insurance to protect yourself against any unexpected circumstances.

Aditya Birla Housing Finance Limited Regd. Office: Indian Rayon Compound, Veraval, Gujarat- 362 266. Corporate Office: 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013 | (T) +91 22 4193 3900 | CIN: U65922GJ2009PLC083779. For more information, please visit: homefinance.adityabirlacapital.com . *Terms & Conditions apply. Offer available only in selected cities. Loans originated, booked and serviced by Aditya Birla Housing Finance Limited. subject to credit appraisal in sole discretion of Aditya Birla Housing Finance Limited and terms and conditions as agreed under individual loan agreement. We may use the services of their authorized agencies in servicing the requirements. Livspace: Flat 25% off applicable on minimum final order value of ₹3,00,000 | Homelane: Flat 30% off applicable on minimum final order value of ₹4,00,000 for Woodwork. The offer is applicable to all customers who availed the housing loans from ABHFL post 1st June 2022 | The offer is valid only for the period of one year from the date of loan issuance letter.

Thank You!