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Axis Bank
Axis Bank
4.5 on 5 from 1 ratings

Loan Details

Loan Amount
0 lakhs -
25 lakhs
25 lakhs -
75 lakhs
75 lakhs -
100 lakhs
Effective Interest Rate p.a.
10.75%
11.00%
11.25%

About the Axis Bank Home Loan

AxisrnBank

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Axis Bank is the third largest private sector bank in India.rnThe Bank has a large footprint of 1947 domestic branches (including extensionrncounters) and 11,245 ATMs spread across the country as on 31st March 2013. Axisrnbank has been actively involved in promoting home loans in India and they offerrnvast variety of loans to consumers.

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Home Loan

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

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  • Attractivern housing finance rates: Axis Bank offers attractive interest rates thatrn makes your housing loans affordable.
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  • Flexiblern rates: Axis Bank provides vastrn variety of fixed and floating rate options depending onrn which way you think interest rates are moving.
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  • Balancern transfer facility: Consumers can transfer their Home Loan balance to Axisrn Bank without any hassles.
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  • Doorsteprn service: You don't have to go the bank for Home Loans; the bank willrn come to your doorstep. Perfect for those leading busy lives.
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  • Nilrn prepayment charges: Axis Bank does not charge any prepayment charges.rn This is Valid only on floating interest rate Home Loans.
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  • Quickrn and transparent processing:
    rn Special Benefits available for Premium Banking customers.
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HappyrnEnding Home Loan Scheme

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By availing a loan under this scheme user gets their last 12 EMIsrnwaived off at no extra cost by paying your EMIs regularly! With Axis Bank HappyrnEnding Home Loans, you can now make your home your own sooner. This Scheme isrnvalid for limited time only. Borrower can borrow a minimum of Rs. 3 lacs under this scheme.

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Under this scheme, you can avail arnHome loan for purchasing an under construction/ ready/ resale housernself-construction, plot plus construction loans. Other advantages include:

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  • Last 12 EMIs waived off*
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  • No hidden charges
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  • Standard interest rates apply
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  • Balance transfer facility
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  • Doorstep service
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  • Nil prepayment charges
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  • Quick and transparent processing
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Empower Home Loans

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Empower Home Loans are tailored for Self-employed whereinrnconsumer gets instant loans on the basis of their good banking track. Inrnaddition, consumer get 3 assured rate reductions on maintaining a goodrnrepayment track with us for 24, 36 and 60 months from the date of firstrndisbursement for availing the 1st, 2nd and 3rd rate reduction respectively.

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Under this Product, consumerrncan avail a Home loan for purchasing an under construction/ready/resalernhouse/self-construction, plot plus construction or Home extension &rnimprovement loans. You can borrow a minimum of Rs. 10 lacs under this scheme.

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Documents:

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Proof of identity - Passportrnor Voter's ID card or Driving license or PAN card or photo credit card.

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Proof ofrnresidence& Office address proof - Bank account statement or latestrnelectricity bill or latest mobile or telephone bill or latest credit cardrnstatement

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Bank statement - Lastrn6 months bank statement of all savings / current accounts. Accounts should bernoperational for minimum 1 year.

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Proof of Business - LatestrnITR copy and Business continuity proof of 5 years

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Others Application form duly filled in withrnphotograph, PAN card, processing fee cheque.

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Loan for Land Purpose

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Axis Bank offers loans for land purchase so that consumer can buyrnplots and create their dream home the way they want. Axis Bank offers attractiverninterest rates on land purchase loans as well as home improvement loans, andrnAxis Bank’s reputation for customer service make our home loan products a greatrnchoice for customers.

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Land Loan features and benefits

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·        rnYou can use the land purchase loanrnto buy a plot of land and also to construct the house.

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·        rnYou can take a land loan tornbuild a house on a plot of land that you already own.

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·        rnThe land loan can be used to buy arnnew house/flat.

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Eligibility

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Axis Bank offers loans to a variety of individuals. Home loanrneligibility is determined by various factors such as income, employment status,rntenure and so on. Axis Bank’s aim is to provide affordable housing loans to asrnmany individuals and families as possible.

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A) - Salaried Individuals

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  • Individualsrn in permanent service in the Government or reputed companies meet our Homern Loan eligibility criteria
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  • Applicantsrn should be above 24 years of age at the time of loan commencement and up torn the age of 60 or superannuation, whichever is earlier at the time of loanrn maturity.
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B) - Professionals

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  • Professionalsrn like doctors, engineers, dentists, architects, chartered accountants, costrn accountants, company secretary and management consultants only can apply.
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  • Applicantsrn above 24 years of age at the time of loan commencement and up to 65 yearsrn or less at the time of loan maturity meet our housing loan criteria.
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C) - Self Employed Individuals

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  • Anyrn individual filing income tax returns can apply
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  • Applicantsrn should be above 24 years of age at the time of loan commencement and up torn 65 years or less at the time of loan maturity
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NRIrnHome Loan

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Axis bank NRI Home loans enables NRI’s to buy a home in their ownrncountry. Bank offers home loan for NRIs in order to facilitate their investmentrnin the booming Indian property market. Axis Bank provides hassle-free processrndesigned in a way to provide highest level of customer satisfaction.

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AXIS bank NRI home loans offers:

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·        rnAttractive Interest Rates

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  • Minimal Processing Fees
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  • Flexible Tenures
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  • Transparent Processing
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  • Quick Service
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NRIrnhome Loan Details

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Loan Tenure - 1 to 25 years.

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Margin:

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    • Forrn NRI Housing Loan up to Rs.20 Lacs - 15%
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    • Forrn NRI Housing Loan above Rs.20 Lacs - 20%
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Repayment - Electronic Clearing System (ECS) / StandingrnInstruction (SI) or PDC from NRE/ NRO a/c

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Eligibility:

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Profiles - Non Resident Indian (NRI), Personrnof Indian origin (PIO), Overseas Citizen of India (OCI), exceptrnCitizens of Pakistan, Bangladesh, Sri Lanka, Afghanistan, China, Iran, Nepal orrnBhutan.

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Age - Minimum age of the applicant should be 24rnyears. Maximum age limit is 60 years or retirement age (whichever is earlier),rnat the time of loan maturity.

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Work experience - Applicant should have a minimum overseasrnwork experience of six months with total work experience of 2 years

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For more details contactrnAxis bank.

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