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    Ahmedabad Home Loan

    Eligibility for Home Loan in Ahmedabad

    Eligibility Criteria Requirement
    Age You must be at least 21 years old and less than 65 years old
    Net annual income You should have the minimum annual income required to apply for home loan
    Employment Salaried or Self-employed
    Residence A permanent residence or rented residence where you have stayed at for a year prior to the loan application
    Credit score/rating A good credit score certified by a recognised credit bureau

    What are the factors that decide my home loan amount eligibility?

    Here are a few factors that home loan lenders consider while computing the home loan amount you are eligible for.

    • The banks or NBFCs ensure that your Equated Monthly Instalments (EMIs) is limited to 50% of your monthly income.
    • The EMIs of other ongoing loans, if any, are also taken into consideration when deciding the maximum home loan amount, you are eligible for. EMIs of any other ongoing loans will eventually lower the maximum home loan amount you are eligible for.
    • Another important aspect to remember before you apply for a home loan is that most banks and NBFCs disburse only up to 85% of the property value.

    How do I improve my eligible home loan amount?

    Here are a few ways you can increase your eligible home loan amount:

    • You can make your spouse a co-applicant while applying for a home loan. With your spouse’s monthly income being considered during the home loan approval process, the eligible loan amount will also increase.
    • You can consider choosing longer loan tenures to increase the loan amount you are eligible for.
    • You can also, alternatively, add your parents as co-applicants while you apply for home loan.

    To know more about your home loan eligibility, visit /home-loan.html?variant=slide

    More
    We found 38 Ahmedabad Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.90% - 9.10% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9.0% - 9.50% Floating
    Up to 0.50% (min. ₹10,000 + GST) One time fee
    8L Min
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.80%- 9.20% Floating
    12,000 (inclusive of GST) One-Time Fee
    20L - 5Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.95% - 9.15% Floating
    10000+GST One time fee
    -
    1-20 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.70% - 9.00% Floating
    Up to 0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.75% - 11.0% Floating
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.90% - 9.50% Floating
    0.50% PF (For Salaried) to 1%(min.3000)+Tax (for Self employed)
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    8.80% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Good to Know
    8.55% - 8.99% Floating
    ₹5,000 to ₹10,000 + applicable tax One time fee
    20L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9.25% - 11.20% FIXED
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know

    Documentation Required to apply for a Home Loan in Ahmedabad

    Purpose Documents
    Proof of Identity
    1. Voter ID Card
    2. Aadhaar Card
    3. Valid Driving License
    4. Valid Passport
    Proof of Income For self-employed applicants:
    1. CA certified/audited balance sheet and profit and loss account for the last three years
    2. Income Tax Returns along with the computation of income for the last three assessment years
    For salaried applicants:
    1. Income Tax Returns or Form 16
    2. Salary slips for the last three months
    Other Documents
    1. Bank statements showing repayment of ongoing loans if any for the last six months
    2. Processing fee cheque
    3. Passport size photographs of all the applicants/co-applicants affixed on the application form and signed across

    Types of Home Loans offered in Ahmedabad

    Banks and NBFCs offer a wide array of home loan products to choose from. Depending on the customers’ requirements and purpose, home loans in Ahmedabad can be classified into the following types.

    Type of Home Loan Purpose
    Home Loan for Construction Suitable for those looking to construct their own house rather than purchasing an already constructed property
    Home Loan for Purchase Can be availed by eligible borrowers looking to purchase a new house/flat or purchase an already owned property
    Home Improvement Loan Suitable for those who are looking to repair or renovate an existing property
    Home Loan for Extension/Expansion Offered to prospective borrowers who are looking to extend/expand or alter the structure of their existing property/house
    Home Conversion Loan Can be availed if you wish to move to a new house/flat after having already availed a home loan before and purchases a house/property with it
    Home Loan Balance Transfer Can be opted by those who wish to transfer his/her existing home loan from the existing lender to another home loan due to reasons such as lower interest rates and better customer services offered by the other bank
    NRI Home Loan NRI home loan are specifically designed for Non-Resident Indians (NRIs) who are looking to purchase a residential property in India. The procedures and formalities involved in the approval process for NRI home loans is different from the regular home loans offered by the banks.

    Top Banks for Home Loans in Ahmedabad

    • Aditya Birla Capital
    • ICICI Bank
    • LIC Housing Finance Limited
    • HDFC Ltd. Bank
    • Kotak Mahindra Bank
    • State Bank of India
    • Axis Bank
    • Canara Bank
    • Indiabulls Housing Finance
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    Ahmedabad Home Loan Reviews

    • Axis Bank Home Loan
      "Good Service"
      0.5 2.5/5 "Just OK"
      I have taken home loan directly through Bank.The rate of interest and the processing fee was nominal ,directly applied through bank ,The loan amount was 16.85 lakhs ,for the tenure of 20years ,still this loan is active .I have got the loan on time and it was sufficient as well .I am completely satisfied with the service .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2019
    • HDFC Limited
      HDFC Limited Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan in HDFC bank for more than one year. At the time loan process in easy manner and got sanctioned within a month for the amount of 25lakhs duration of 15 years. The rate of interest is nominal and the processing fee is applicable and nominal.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2019
    • HDFC Limited Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been taken my housing loan with HDFC LTD from long time, the loan amount which they have given to me was sufficient, it was as per my requirement, the rate of interest they have charged me up to 8.8% which was less comparing to other bank, even the processing fee they have charged me was minimal, Still this loan is running.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jun 11, 2019
    • Bank of India Home Loan
      "Better Loan service"
      0.5 5.0/5 "Blown Away!"
      Rate of interest is very less thats the reason i have selected Bank of India for my home loan. They have offered me a interest rate of 8.3% and there is no processing fee. I have applied the loan amount of Rs. 28 lakhs and i received it on time. I pay the EMI amount of Rs. 24000 for the tenure period of 25 years.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jun 07, 2019
    • Bank Bazaar Home Loan
      "Excellent Service "
      0.5 5.0/5 "Blown Away!"
      very good though for Home loan, every thing very easy and fast, all data are available and , very easy step , lowest interest percentage, floating interest , They contacted me on time and they also followed up in the process. The website is also good and it is easy to use
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 29, 2019
    • Axis Bank Home Loan
      "Hassle free and userfriendly loan experience"
      0.5 4.0/5 "Great!"
      AXIS have sanctioned the loan based on my apartment, they disbursed the amount at one short since its a ready to occupy property. The interest rate was reasonable at the time of availing loan. They do have balance transfer, part payment option.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 25, 2019
    • HDFC Limited Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I had been holding my home loan with HDFC LTD, the loan amount they have given me was sufficient and the rate of interest they have shared me was nominal they have charged me low as it is nationalized bank, and there processing fee was there or not i have no idea, there overall service was good, there was no hidden charged in this loan.Now i have successfully closed this loan.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 25, 2019
    • ICICI Bank Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken my Home loan from ICICI Bank a long time back where the experience i had was quite comfortable. They did not took much time for the process, and the disbursement was made on the right time. The loan amount has been fine, the interest rate has been quite nominal and they had not made any sort of additional charges. Overall it had been quite a good experience.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 17, 2019
    • Punjab National Bank Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken my Home loan from PNB HOUSING FINANCE LIMITED a while back and the process in getting the loan was pretty much easy. The loan amount has been sufficient and the interest rate which they had made has been nominal, the processing fee and charges where not high and there has not been any issues faced with their services.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 17, 2019
    • ICICI Bank Home Loan
      "BETTER"
      0.5 2.0/5 "Expected more"
      I have applied for the home loan with the ICICI BANK. The rate of interest was higher than others which was 14%. There is a option of balance transfer available with this bank. The documentation process was simple and it took time to get the loan.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 13, 2019
    • review Home Loan
      "Not Satisfied with the services which they had provided"
      0.5 1.0/5 "Really Bad"
      My Home loan experience with RELIANCE CAPITAL has not been a good experience, where there was delay with everything. I had physically visit the branch for everything and they will not update the increase in interest rate which has also been high. The processing fee and charges has also been high as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 04, 2019
    • Bank Bazaar Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I had been using the services of BANK BAZAAR for the last four to five months and their services has been very much comfortable. I came to know about the services of them through some advertisements and i had been using their website which has been having a good user interface. Their customer support team has also been quite responsive.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 04, 2019
    • HDFC Limited Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had selected my Home loan from HDFC LIMITED since i had my salary account with HDFC Bank for a long time, and secondly the interest rate which they where offering has been less as well. The process in getting the loan was quite good where the loan amount was sufficient. The processing fee has also been nominal as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 04, 2019
    • Kotak Home Loan
      "Quick services"
      0.5 4.5/5 "Excellent!"
      My home loan is with Kotak Mahindra Bank. I had no hassles to get the loan through. The customer services are good and they are responsive too. They were very aggressive to get in touch with the real estate people. The documentation was collected on time. The interest rate and processing charges are nominal as well.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on May 03, 2019
    • Bank Bazaar Home Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      Everything is good in Bank Bazaar.com, I used to get the promotional message on initial stage at the time I applied for home loan the process was streamlined without any difficult. I am using Bank Bazaar desktop website its good to view all the information.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 02, 2019
    • HDFC Limited Home Loan
      "Wonderful experience"
      0.5 4.0/5 "Great!"
      I had good experience with HDFC Limited, they took short span of time to verify the documents and to disburse the amount. I took the housing loan of Rs. 14 lakhs for the duration of 25 years. I got the better interest around 8.7% its a floating one.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 02, 2019
    • Bank Bazaar Home Loan
      "Overall no hassles"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has been really good and there are no hassles in the process. The customer services and response is good. They were on time to contact me and inform me the details. The website is good and it is informative to use and understand and place a request.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 02, 2019
    • HDFC Limited Home Loan
      "Satisfied with the service"
      0.5 5.0/5 "Blown Away!"
      HDFC LTD has offered me a home loan. It was a good experience. The rate of interest is around 8.9% floating and the processing fee is 5400. I got the loan on time and it was as needed. The after loan services are also good and in all no hassles for the loan.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 02, 2019
    • Bank Bazaar Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The agent respond well and am using Bank Bazaar for past one year. I have taken 2 credit cards earlier and now have taken for home loan and it was processed well. Am using the mobile application which is easy to compare with the multiple banks at one platform.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 30, 2019
    • HDFC Limited Home Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      The loan process was good with HDFC LTD. They have delivered the loan on time. The interest rate is 8.85% but they have charged me 8.75% which was very much convenient. They have taken around Rs.11,000 as a processing fee for the loan amount of 29.50L. The loan tenure is 20 years.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 30, 2019
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