Customised Financial Solutions for Every Dream
Discover the expansive range of loan solutions at Aadhar Housing, crafted to empower your financial aspirations. The Company's diverse portfolio offers flexible financing options tailored to various needs, including home loans, plot purchases, construction, and renovations. With streamlined processing, competitive rates, and personalised assistance, Aadhar Housing is your trusted partner, dedicated to turning your dreams of homeownership and beyond, into reality.
Loan Purpose
Designed for individuals looking to purchase non-agricultural land within municipal / local development authority limits, whether for building a home or solely owning the plot.
Key highlights
Loan Amount
Up to ₹10 million, capped at 60% of the registered cost of the plot or 60% of market value, whichever is lower.
Quick Disbursement
Loans are disbursed quickly and hassle-free once eligibility is verified based on documents.
Flexible Tenure
The maximum loan tenure is 20 years, subject to retirement age for salaried employees and 70 years for self-employed individuals at loan maturity.
Loan Purpose
This composite loan is designed for individuals who have identified a plot of land for construction within municipal or local development authority limits. It covers financing for both, land purchase and home construction.
Key highlights
Loan Amount
Up to `10 million for Plot Purchase & Construction, capped at 60% of the plot's registered cost and 80% of the construction cost. The overall loan amount is restricted to 80% of the property's market value (75% for loans exceeding ₹75 lakh)
Quick Disbursement
Timely disbursement is made upon plot purchase and construction progress verification.
Construction Guidelines
Construction must occur on the plot and adhere to NHB guidelines regarding timeframes.
Tenure
Maximum loan tenure is 30 years for bank-salaried individuals and 20 years for cash-salaried and self- employed professionals/self- employed non-professionals, subject to retirement age for salaried employees and 70 years for self-employed individuals at loan maturity.
Loan Purpose
The self-owned plot residential construction loan from Aadhar Housing is designed to provide financial assistance for individuals planning to construct their dream home on a plot of land they own.
Key highlights
Loan Amount
Up to ₹10 million, capped at 80% of the construction cost or 80% of the property's market value(75% if the loan amount exceeds ₹75 lakh), whichever is lower.
Timely Completion
Construction must be completed within a specified period according to NHB guidelines.
Loan Assessment
The disbursed loan amount is determined based on repayment capacity, income, age, etc.
Loan Purpose
You may want to repaint the house, spruce up the flooring, or do any other renovation or repair work. The Company looks forward to helping you with Home Improvement Loans for all your home renovation requirements.
Key highlights
Loan Amount
You can avail a Home Improvement Loan online from Aadhar Housing up to ₹10 million. However, this amount cannot exceed 100% of the estimated renovation cost as certified by the chartered engineer or 100% of the cost estimated by the Company's officer. The lower estimate will be considered. This amount is subject to a maximum of 80% of the property's overall market value (75% if the loan amount exceeds ₹75 lakh).
Loan Tenure
Maximum loan tenure for Bank-Salaried is 30 years. For cash-salaried and self-employed professionals/ self-employed non-professionals, the maximum tenure is 20 years, subject to retirement age for salaried employees, and 70 years for self-employed individuals on loan maturity.
Home Improvement Loan for Various Purposes
Flooring or roofing
Plumbing
Plastering
Electrical work
Painting
Parapet wall & boundary wall
Underground or overhead water tank
Replacement of doors & windows or non-movable assets
Grills and sliding doors & windows
Loan Purpose
The Company provides mortgage loans with several benefits. Whether you are a salaried individual or a self-employed professional, the Company has got you covered.
Key highlights
Salaried Individuals
Avail loans against property up to ₹25 lakh.
Self-Employed Individuals
Get mortgage loans against residential/ commercial property up to ₹10 million.
Tenure
Flexible repayment options with a maximum tenure of 15 years, restricted till retirement age for salaried individuals and 70 years for self- employed individuals at loan maturity.
Loan Purpose
Aadhar Housing offers loans for purchasing non-residential properties within the municipality limits of the city that are approved by the civic authority for commercial usage.
Key highlights
Loan Amount
Up to ₹10 million to Tenure: The maximum loan tenure is 15 years, considering purchase non-residential property.
Tenure
Flexible repayment options with a maximum tenure of 15 years, restricted till retirement age for salaried individuals and 70 years for self- employed individuals at loan maturity.
Loan Purpose
Aadhar Housing offers tailor-made home loan solutions specifically designed for salaried employees aiming to fulfil their dreams of homeownership.
Key highlights
Loan Amount
Up to ₹10 million for Eligibility: Monthly salary eligibility Aadhar Home Loans.
Eligibility
Flexible repayment options with a maximum tenure of 15 years, restricted till retirement age for salaried individuals and 70 years for self- employed individuals at loan maturity.
Tenure
The maximum loan tenure is 30 years for bank salaries and 20 years for cash salaries, subject to retirement age.
Loan Purpose
The Company understands the challenges self-employed individuals face in obtaining housing loans due to the lack of formal income documents. Hence, we have developed new processes to assess income for self-employed professionals and non-professionals, enabling fair terms for housing loans.
Key highlights
Loan Amount
You can avail of an Aadhar Home Loan up to ₹10 million, with the loan amount not exceeding 80% of the property cost (75% if the loan amount exceeds ₹75 lakh).
Assessment Criteria
A minimum of three years of experience in the same field is mandatory for loan eligibility. Alternatively, the applicant’s business should be inherited from the parents.
Tenure
The maximum loan repayment tenure is up to 20 years, provided the borrower’s age on the loan maturity date remains less than 70.
Loan Purpose
Home Extension Loans are designed to provide financial support for extending your home, whether adding a new room or building new floors. You can use the loan to extend your home however you desire.
Key highlights
Loan Amount
Up to ₹10 million, capped at 100% of the estimated cost of an extension or 100% of the cost estimated by the Company's officer, whichever is lower. Subject to a maximum of 80% of the property's overall market value (75% if the loan amount exceeds ₹75 lakh).
Flexible Usage
You can use the loan to add new rooms or build new floors within your home, allowing you to customise your home extension project according to your preferences.
Tenure
Maximum loan tenure for bank-salaried is 30 years. For cash-salaried and self-employed professionals/self-employed non- professionals, the maximum tenure is 20 years, subject to retirement age for salaried employees and 70 years for self-employed individuals on loan maturity.