1. Attractive Interest Rates
Enjoy competitive home loan interest rates starting from 8.65% p.a., making EMIs more affordable.
2. High Loan Amount
Avail loan amounts up to ₹75 lakhs (or more, based on eligibility and property value).
3. Flexible Repayment Tenure
Repayment options of up to 20 years, allowing you to manage your EMIs comfortably.
4. Low Processing Fees
Nominal processing charges with no hidden costs, ensuring transparency from day one.
5. Quick Approval & Disbursement
Fast-track loan processing with minimal documentation and prompt disbursal timelines.
6. Loan for Multiple Purposes
Use the loan for new purchase, construction, renovation, or balance transfer from another bank.
7. Balance Transfer Facility
Switch your existing high-interest home loan to Apna Bank and save on EMIs.
8. Co-Applicant Flexibility
Improve your eligibility with co-applicant options, including family members.
9. Personalized Customer Support
Dedicated assistance from loan officers to guide you through every step of the process.
Criteria
Details
Age Limit
Minimum: 21 years, Maximum: 65 years (at loan maturity)
Employment Type
Salaried, Self-employed Professionals, Business Owners
Minimum Income
₹25,000 per month (may vary based on location and loan amount)
Work Experience
Salaried: Minimum 2 years, Self-employed: Minimum 3 years of business
Credit Score
Minimum CIBIL score of 700 is preferred
Co-applicant Allowed
Yes – Spouse, parents, or earning family members
Nationality
Indian residents only
Property Type
Residential property – ready-to-move, under construction, or plot + construction
Loan-to-Value (LTV)
Up to 80% of the property value (subject to eligibility and bank norms)
Document Type
Required Documents
Identity Proof
PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License
Address Proof
Aadhaar Card, Utility Bill, Passport, Rent Agreement, or Voter ID
Age Proof
Birth Certificate, PAN Card, Passport, or School Leaving Certificate
Income Proof – Salaried
Last 3 months’ salary slips, Form 16, and last 6 months’ bank statements
Income Proof – Self-employed
ITRs for last 3 years, business registration proof, and current account statements (6–12 months)
Property Documents
Agreement to Sale, Allotment Letter, Property Title Deed, Approved Plan, NOC from builder/society
Photographs
Recent passport-sized photographs (usually 2–3 copies)
Employment Proof
Employee ID card, appointment letter, or business registration documents
Other Documents (if applicable)
Existing loan statement (for balance transfer), co-applicant documents, guarantor details
1. Interest Deduction (Section 24b):
2. Section 80C – Principal Repayment & Related Costs
3 Section 80EEA – First-time Buyer Affordable Homes
4. Section 80EE – Earlier First-time Buyer Relief
5. Pre-construction Interest
6. Joint Borrowers & Co-owners
7. Old vs. New Tax Regime Impact
8. Loss from Letout Property
9. Documentation Required
Need a more accurate EMI estimate?