Thinking About a Home Loan? Here’s Why Vastu Housing
Finance Could Be a Good Bet:
Clear Customer Approach: Vastu tries to help many different folks
get loans, whether you work a regular job, are self-employed, or work off the books.
Flexible Options: Building, buying, fixing up your place? They’ve
probably got a loan that fits every suitable option.
Fast and Easy: They try to cut through the usual loan junk, so
you get approved quicker and deal with less paperwork because they use the internet, too.
Transparent Process: What you see is what you get – they will
tell you about all the fees upfront.
They’ve Got Your Back: From the moment you apply until your loan
is done, their people are there to lead the way. Perfect if you are buying your first place and
are worried about it.
Vastu Housing Finance Bank Home Loans:
Home Purchase Loan: Get cash for ready-to-move-in, resale, or
under-construction homes.
Home Construction Loan: In a home construction loan, you get
money to build a house on your own land.
Home Improvement/Renovation Loan: With a home improvement or
renovation loan, you can fix, extend, or upgrade your home with these funds.
Plot + Construction Loan: Buy land and build your home at the
same time with this loan.
Balance Transfer Loan: Now you can move your current home loan to
Vastu for a better interest rate.
Top-Up Loan: Need more money? Get extra funds on top of your
current Vastu home loan.
Affordable Housing Loans: Loans for lower-income families that
fit government schemes.
Vastu Housing Finance Home Loan Interest Rates 2025,
Fees & Eligibility
Interest rates at Vastu are competitive and consider the borrower’s profile, property, and
location
| Product/Type |
Interest Rate (p.a) |
Processing Fee |
Max Tenure |
| Standard Home Loan |
10.50%–14.00% |
Up to 2% of Loan Amount + GST; Min ₹5,000 |
Up to 20 years |
| Home Improvement/Renovation |
11.50%–14.50% |
1%–2% of Loan Amount + GST |
Up to 15 years |
| Plot/Construction/Combo |
11.75%–14.75% |
As above |
Up to 20 years |
| Balance Transfer/Top-Up |
10.75%–13.50% |
1.5%–2% + GST |
As per policy |
Rates are indicative—always confirm prevailing rates and special offers for your profile.
Processing fees
Usually, it's about 1% to 2% of the loan amount (plus GST), but there's a minimum
amount you will have to pay.
Other costs - You might also have to pay for legal stuff/valuation
(₹2,000–₹5,000),
CERSAI fees, and paperwork.
Who Can Apply
Age: You need to be between 21 and 65 years old (by the time you
finish paying off the loan).
Income: You need to make at least ₹15,000 a month (whether you're on
a salary or self-employed).
Job/Business: You should have been working for at least a year if you
are on a salary, or two years if you're self-employed.
Credit Score: We will check your CIBIL/Safer report. Ideally, you
should have a score of 650 or higher, but we are open to considering people with lower scores if
they can provide extra paperwork.
Co-applicants Allowed: Like your spouse or family member, to increase
your chances of getting approved.
What You'll Need to Provide for a Vastu Housing Finance
Home Loan
If You're on a Salary
- Application form (with a photo)
- PAN, Aadhaar, Voter ID (to prove who you are and where you live)
- Salary slips from the last 3–6 months
- Bank statements from the last 6 months
- Form 16, ITR (for the last 2 years)
- Property papers such as the sale agreement, title deed, and approved plan
- If you're applying with someone else, we will need their ID and income documents too
If You're Self-Employed
- KYC documents – PAN, Aadhaar, proof of your business address
- Proof that your business exists – GST, registration, shop license
- ITR with calculations, profit and loss statement, and balance sheet (for the last 2
years)
- Bank statements from the last 12 months
- Property papers (same as above)
All Applicants
- Passport-sized photos
- If needed, documents from the co-applicant/guarantor
Why Apply Through TyTil ?
Easy Comparison: You can easily see Vastu's rates and
requirements next to other banks and lenders instantly.
All Digital: Upload what they ask, fill out the application form,
and communicate with the team—no need to visit any branch in person.
Free Guidance: TyTil team helps with eligibility, handles the
forms, and provides honest advice.
Quick Approval Times: Because now it's all digital, you get
updates fast.
Safe and Secure: Your info is safe with top-notch security.
Vastu Housing Finance Loan Options:
Affordable Home Loans: If you are a part of an EWS/LIG family,
check out the PMAY and related programs.
Regular Home Loans: Get a loan for homes that are move-in ready
or still being built, with payment plans that can work for you.
Build-Your-Own Loans: These loans are for folks who want to
construct their own house from the ground up.
Top-Up/Balance Transfer: Get more cash or move your current home
loan to us for better deals and service.
Loans for Business Owners: There are special rates for
self-employed people and small business owners.
Tax benefits on Vastu Housing Finance home loan :
Section 80C: You can cut your taxable income by up to ₹1.5 lakh
each year for the principal you repay.
Section 24(b): Get a deduction of up to ₹2 lakh yearly on the
interest you pay if you live in the house yourself.
Section 80EE/80EEA: If you are buying your first home or an
affordable one, you might get extra deductions if you meet the requirements.
Joint Loans: If you have a co-owner on the loan and you both chip
in, you can each claim the full deduction amount that applies to you.
These tax benefits can really help you save money each year and bring down the
actual cost of owning your place.