ABHFL Prime Home Loan is designed to make homeownership a hassle-free process. Our loan offers flexible solutions to meet your needs and elevate your home ownership experience.
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Streamlined process requiring basic documents for verification.
No hidden charges, ensuring a trustworthy lending experience.
Professional guidance throughout the loan process to assist you at every step.
Seamless online application process with quick approvals.
Customize your loan tenure up to 30 years to suit your financial goals.
Finance substantial property purchases with loans up to ₹25 crore.
Structured repayment plans to ensure manageable monthly installments.
Transfer your existing home loan to ABHFL for better terms and additional top-up funds.
For Young & Budding Professionals, Pay lower EMI Initially and EMI to increase with expected growth in salary for balance tenure.
Salaried customer having pension income post retirement or joint home loan with one of the coborrower retiring in short time, Pay higher EMI up to retirement and Lower EMI subsequently till balance tenure of the loan.
For Senior salaried professionals working in top corporates nearing retirement, Flexibility of Longer repayment periods with reduced EMI.
Ensuring you meet the eligibility criteria helps in a smoother application process.
Nationality:
Indian citizens and NRIs
Age:
Up to 70 years for salaried individuals Up to 75 years for self-employed individuals
Income:
Minimum ₹25000 per month for salaried and annual income of ₹3 lakh for self employed
Credit Score (CIBIL):
Minimum score of 675 or above
Minimum 3 years of continuous service
Minimum 3 years in current business/profession
Latest 3 months' salary slips and Form 16
Last 2 years' Income Tax Returns and financial statements
Property should be within approved locations
Property should be within approved locations
Note: Meeting these criteria does not guarantee loan approval. Final eligibility is determined based on various factors, including credit history and property evaluation.
Embarking on your home loan journey with ABHFL is straightforward:
Use our online eligibility calculator to assess your loan qualification.
Gather necessary documents such as identity proof, address proof, income proof, and property-related documents.
Fill out the online application form with accurate personal and financial details.
Our team will review your submitted documents and may request additional information if necessary
Upon successful verification, receive a loan offer detailing the sanctioned amount, interest rate, and terms. Review and accept the offer
An assessment of the property to be financed will be conducted to ensure it meets our lending criteria.
Post verification and property evaluation, the loan amount will be disbursed as per the agreed terms
Estimated Timeline: The entire process typically takes between 5 to 10 working days, subject to prompt submission of required documents and satisfactory property evaluation.
0.25% onwards of the loan amount + applicable GST (may vary as per customer risk profile).
12% p.a. above current applicable interest rate (aggregate not exceeding 24% p.a. + GST).
₹3,000 per month (for delay in submission of Title document, Security perfection documents, Mortgage Deed, Charge creation with MCA, or non-adherence to loan agreement terms).
₹750 per instance.
₹1,000 per month in case of secured loans (for invalid, inactive, or closed/frozen bank accounts).
₹750 per instance per loan account.
As applicable based on actual delayed status or as communicated by the lender from time to time.
₹1,000 per instance.
₹750 per instance.
₹200 per instance.
₹750 per instance.
0.5% of principal outstanding + applicable GST (Change in EMI/tenor as per eligibility norms).
0.25% + GST on principal outstanding (capped at ₹7,500 per instance).
₹500 per instance.
2% of principal outstanding + applicable GST.
As per actual, where applicable.
Wherever applicable, GST @ prescribed rates will be levied on these charges.
Having the right documents ready ensures a seamless approval process.
Identity Proof – Aadhaar Card, PAN Card, Passport, Voter ID
Address Proof – Utility Bills (not older than 3 months), Passport, Aadhaar, Rent Agreement
Passport-size Photographs
Easily calculate EMIs and check eligibility with our user-friendly tools.
*Note- The calculated interest is an estimate, the final amount will be determined upon approval.
From home financing to business funding, we offer a variety of loan options with flexible terms and a seamless process. Find the right financial solution for you.
Discover surprising benefits and features that make your home loan journey easier and smarter.
Find answers to all your home loan queries in our FAQ section. Learn about eligibility, loan tenures, interest rates, required documents, application process, and more. Simplify your journey to owning your dream home with clear guidance.
A credit score of 700+ is preferred for easy approval and better interest rates.
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