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    Aadhar

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    giconaf342

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    © All Rights Reserved
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    Aadhar

    Uploaded by

    giconaf342
    4 views5 pages

    Original Title

    aadhar

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    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    4 views5 pages

    Aadhar

    Uploaded by

    giconaf342

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
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    Aadhar Housing Finance – Product offering

     HOME LOAN:

    1. Home Loan: To purchase of new house or resale house situated within Municipal / Local Development Authority limits and in Gram Panchayat
    for salaried and Self employed customers. (Loan amount up to 75% to 85 % of cost of the property can be available )

    2. Plot Purchase or/ and Construction: Loan to purchase non-agricultural land situated within Municipal / Local Development Authority limits and
    in Gram Panchayat along with construction of house on purchase land , whether you are salaried or self-employed.

    3. Home Improvement Loan: Loan for enhancing your home in many ways such as tiling and flooring, internal and external plaster and painting etc.

    4. Home Extension Loan: Loan to extend or add space to home such as additional rooms etc.

    5. Balance Transfer + Top up: Transfer of outstanding Home Loan availed from another Bank / Financial Institution + Additional funds for personal
    or business needs (other than for speculative purposes)

    6. Balance Transfer: Transfer of outstanding Home Loan availed from another Bank / Financial Institution.

     NON HOME LOAN:

    1. Loan Against Property: Loan against existing property for personal use. (residential as well as commercial property)

    2. Loan to Purchase/ construct Non-Residential property : Loan to purchase /construct Non-residential property.
    Aadhar Housing Finance – Loan eligibility and ROI matrix

    AHFL Loan Details


    Loan Type Home Loan Loan Against Property
    Customer Type Salaried/ Business Salaried/ Business
    Minimum Salary / Income required Rs 5000, total income for a loan is min Rs. 10,000/- Rs 15000
    Age of Applicant 21 (Age for non-financial co-applicant 18 years) 21 (Age for non-financial co-applicant 18 years)
    KYC, Banking, Salary slip/Salary certificate and Property documents (We also KYC, Banking, Salary slip/Salary certificate and Property documents (We also
    Minimum Documents required
    consider No income proof (Non ITR) Self Employed profiles) consider No income proof (Non ITR) Self Employed profiles)
    Loan Value* Min Rs. 1,00,000/- Min Rs. 1,00,000/-
    Property Details DA and Non-DA Both DA and Non-DA Both
    Tenure* Max 30 years Max 15 years
    Initial Processing Fees 3500 + GST 3500 + GST
    Administrative Fee* (Approximately) 1.5% + GST (2% + GST for NIP profile) 2% + GST
    ROI* Starting from 10.5% Starting from 14%
    TAT* 7-10 Days 7-10 Days

    * Final offered rate will depend on the Profile and property being offered as security (for Loan Against
    Property)
    *Loan Tenure Depends on current age of Customer
    * Disbursement is subject to Positive vetting and verification of all Income & KYC documents submitted
    and Property Documents for title clearance and Marketability and Market Value.
    Aadhar Housing Finance – Customer Segment

    Formal Informal
    Segment Segment

    2. SEP 3. SENP
    1. Salaried (Bank (Self Employed (Self Employed Non- 1. Salaried (Cash)
    2. NIP
    Credit ) (No Income Proof)
    Professional) Professional)

    Residential Indian /
    Work independently Works independently Any Self Employed
    Non-residential Professional/ Non-
    Indian / Trades against Occupation does not
    professional skills/ professional, without
    need any professional
    Person of Indian services appropriate Income Proof
    training/ skills
    Origin. Document
    Aadhar Housing Finance – Documentation required for login application

    Customer Latest Photograph

    Valid Identity proof

    Valid Signature Proof

    Valid Residence &


    Office/Business Address Proof

    Valid Income Proof available

    Valid Bank Statement

    Initial Login fees


    Login Process flow at AHFL ( For converted leads )

    CSC will Create AHFL Team will AHFL Team will


    Credit History
    a Lead & send complete file Login file with
    Check
    to AHFL documentation Lead No

    Technical,
    Legal Eligibility Personal
    First Sanction
    Evaluation and Check Discussion
    Final Sanction

    File
    Disbursement
    ->Chq Hand
    over

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