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Awas Financiers, also known as Awas, is a Jaipur based housing finance company known for providing home loans in rural and semi-urban areas of India, Awas is registered as a housing finance company with National Housing Bank and granted license in 2011
A housing loan is a step forward to realizing a dream home, Avaas Financiers provides long-term finance to people to buy or construct houses, meeting your needs at the lowest interest rates available, Avas Financiers offers housing loan schemes at competitive interest rates to Indian residents and salaried self-employed, read the eligibility criteria for home loan.
Aavas Financiers Home Loan Eligibility, आवास फाइनेंसर्स होम लोन पात्रता,
Aavas Financiers Home Loan Interest Rate @ 8.50% p.a. Starts from and Rs. Loan amount starting from 1 lakh and tenure up to 30 years, To apply for an Aavas Financiers Home Loan, it is important to check your eligibility first, Learn more about Avaas Housing Finance Home Loans Getting a loan is easy if you meet the criteria for an Avaas Financiers home loan, Check your eligibility for a home loan with Avaas Financiers using the information below.
| Nationality | Resident of India |
|---|---|
| Maximum Loan Tenure | 30 Yrs |
| Employment | Salaried or Self-employed |
| Work Experience | 1 Years or more |
Documents Required for Aavas Financiers Limited Home Loan
Documents Required for Home Loan from Aavas Financiers should be submitted hassle-free, as these Documents Required for Home Loan for Aavas Financiers are indicators of your financial stability and creditworthiness, any lender will strictly consider the documentation while approving your loan application.
Aavas Financiers takes the process of home loan documents very seriously, but many a times applicants face difficulties in not knowing what documents to provide while submitting documents for home loan, Aavas Financiers makes the home loan documents process very streamlined and transparent right from the start, see below which home loan documents are required to pass your home loan application in detail.
- Identity Proof – PAN Card is mandatory / Passport / Voter ID / Aadhar Card / Driving License.
- Address Proof – Passport / Voter ID / Aadhar Card / Electricity bill / water bill / telephone bill / Driving License.
- Age Proof – PAN Card, Voter ID, Aadhaar Card, Passport, Driving License.
- Proof of Income For Salaried – Salary Slips / Bank Statement / Form 16 / Salary Certificate.
- Property Documents For Salaried – Title Deeds of the Property / Proof of No Encumbrances on the Property.
- Other Documents For Salaried – Signed Application Form with Picture / Cheque For Processing Fee / Bank Statement of Last 6 Months.
- Proof of Income For Self Employed People – IT Returns and / or Financial Statements of last 3 years And / or Informal Income Documents.
- Property Documents For Self Employed – Title Deeds of the Property / Proof of No Encumbrances on the property.
- Other Documents For Self Employed – Signed Application Form With Picture / Cheque For Processing Fee / Proof of business existence / Bank Statement of Last 6 Months.
Aavas Financiers Home Loan EMI Calculator, आवास फाइनेंसर्स होम लोन ईएमआई कैलकुलेटर,
Before applying for a home loan, you should check the home loan interest rate. It will help you to make a good decision based on your financial plan, When you decide to take an Aavas Financiers Home Loan Click Here Take an informed decision with Aavas Financiers Home Loan EMI Calculator, A home loan EMI calculator helps to calculate the EMI payable by the borrower to the lender or financial institution every month till the end of the entire home loan tenure.
With this home loan calculator, users can perform complex calculations easily, accurately and in no time, This online home loan EMI calculator will give you accurate results which will help you a lot in your financial planning, It helps you to know the Home Loan Total Amount and Home Loan Interest Rates, Home Loan Tenure and many more important details.
Aavas Financiers Home Loan CIBIL Score, आवास फाइनेंसर्स होम लोन सिबिल स्कोर,
Aavas Financiers helps lenders in deciding whether to extend credit to consumers who have applied for a loan, If the consumer’s credit score is less than 650, usually the applicant falls into the category of subprime borrower, that is, the credit risk to the lender is high, due to high risk in credit reports and some negative factors, such loans usually end up with a relatively high-interest rate.
A home loan applicant with a credit score of 650 or above is considered good, with a good credit score and no defaults in the credit report, the chances of getting the loan application approved at competitive interest rates are high, A credit score above 750 is considered an excellent score, these days, it is very easy to check credit score online, Here users can check their credit score and understand what improvements they need to make to boost their credit score to get quick approvals on loan applications.
| Score Range | Implication |
| Applicable (NA) / No History (NH) / -1 | If a credit score is too brief or lacks sufficient information, it may appear as NH or NA when a user checks their credit score for free. This means the score cannot be quantified. |
| 300-549 | If your credit score falls within this range, it may not be considered ideal and there is a higher chance that your loan application could be rejected. This is because scores in this range may reflect a lack of reliability. |
| 550-649 | If a user’s credit score falls within this range, it is considered an average score. To increase the chances of receiving approval for a large loan with minimal restrictions, the user should attempt to improve their credit score. |
| 650-749 | This credit score range indicates that the users are potential customers who may be eligible for loans, as there are no or very few issues identified in their credit reports. |
| 750-900 | Individuals who have credit scores of 750 or higher are highly desirable customers for banks and NBFCs. This is because their credit reports show no instances of default and their ability to repay is considered strong. As a result, lenders see them as a low-risk investment. |
Aavas Financiers Home Loan Processing Fee, आवास फाइनेंसर्स होम लोन प्रोसेसिंग शुल्क,
When you apply for an Aavas Financiers home loan, the lending bank or institution charges a certain amount for the services they provide you, this amount is called Home Loan Processing Fee.
Avaas Financiers Home Loan Processing Charges Upto 1% + GST of the total home loan amount you are applying for, if the application is rejected the amount will not be refunded to you.
Applicants should remember that the Awas Financiers Home Loan Processing Fee is not the only amount you have to pay, there are other charges too, so it is better for everyone to know the Awas Financiers Housing Loan Processing Fee details beforehand.
| Processing Charges | Upto 1% + GST |
| Administrative Fees | Up to 2% + GST |
| Nonpostal stamp/stamp duty | As per the state law |
| Non-encumbrance certificate/verification report | Charges applied upto Rs.5000/-+GST |
| RCU Charges | Up to Rs 1,000 + GST |
| Valuation/Technical Fee | Rs 2,500 + GST (for each report) |
| Technical visit charges for tranche disbursement | Rs 200 + GST |
| CERSAI Charges | Rs 100 + GST (loans>5 lakh) Rs 50 + GST (loans<5 lakh) |
| Completion certificate | Rs 500 + GST |
| Post Disbursement Documentation Charges | 0.20% of loan amount + GST |
Aavas Financiers Home Loan Interest Rate, आवास फाइनेंसर्स होम लोन की ब्याज दरें,
It is important to know the interest rate when you apply for Aavas Financiers home loan, the home loan interest rate will affect the amount of home loan you take and the total EMI you will have to pay, so you While applying for Aavas Financiers housing loan it is good to keep the interest rate in mind, see more home loan interest rates here
NOTE – Awas financiers rates vary according to the bank’s discretion, the information given here is only the current interest rates given by the bank, when you want to take a home loan in the bank, you should visit https://www.aavas.in/home-loan the official website of the bank and confirm.