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    Aadhar Housing Plot Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range


    One of the best investment plans for the future is buying a site or plot of land. There is no comparison to the feeling watching your dream come true in concrete. The dream of owning a house begins with buying a plot. There are several banks and financial institutions which offer monetary assistance to buy sites or land for constructing a house.

    A collaboration of Dewan Housing Finance Ltd. (DHFL) Group and International Finance Corporation (IFC), Aadhar Housing offers loans for different housing requirements. Plot loan offered by Aadhar Housing can be used to purchase nonagricultural land that is located within the local/municipal development authority’s limits. Aadhar Housing also offers finances to construct a house on the purchased plot of land. The loan amount depends on the individual’s requirement and repayment capacity. Both salaried and self-employed individuals can apply for the land loan from Aadhar Housing.

    Features of Aadhar Housing Plot Loan:

    The Aadhar Housing site loan is filled with salient features. Some of them have been mentioned as under:

    Quantum of loan Up to Rs 2 lakh can be availed. However, the amount should not exceed 75% of the site’s cost
    Eligibility Criteria Minimum age of the applicant should be 18 and above. At the time of the loan’s maturity, he must not be above 60 years of age.
    Margin 25% of the cost of the plot
    Interest House must be constructed on the plot in two years from the day the loan was availed or possession is handed over by the Housing Development Agency

    Aadhar Housing Plot Loan Fees and Charges:

    Processing fee 2% of sanctioned loan amount + service tax
    Documentation Rs 439 + service tax
    Technical verification Rs 1316 + service tax
    Subsequent technical verification Rs 439 (service tax to be paid extra)
    Copy of property papers Rs.200 + Service Tax for up to 20 pages. Above 20 pages extra price of Re 1 per page would be charged .
    Legal verification Rs 877 + service tax

    Documents Required for Aadhar Housing Land Loan:

    In order to avail site loan from Aadhar Housing, the individual will have to produce a few documents as proof. The list of documents is mentioned below:

    • Layout/site plan from the developer/concerned authority
    • Site allotment letter
    • Loan application form affixed with 2 passport size photographs
    • Salaried applicants should provide last 6 months’ payslips and latest Form 16
    • In case the applicant is self employed, then the later Income Tax Returns form has to be submitted
    • Legal scrutiny report from the financial institution’s legal department

    FAQs about Aadhar Housing Plot Loan:

    1. What is the maximum tenure offered by Aadhar Housing?

      The plot loan can be availed for a maximum of 20 years. The tenure cannot extend beyond 60 years (if the applicant is salaried) and 65 (in case of self-employed).

    2. When will I get the complete possession of the site?

      Until you repay the entire loan amount, the plot remains mortgaged to Aadhar Housing

    3. What is the maximum repayment tenure?

      The applicant choose the tenure to repay the loan, within the five years offered by Aadhar Housing, according to his convenience.

    4. How is the loan amount assessed?

      The loan amount offered to an individual is determined on the basis of his requirement and repayment capacity.

    5. Can there be a co-applicant for the plot loan?

      Yes. The co-applicant may or may not be the owner of the plot.

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