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  • Aptus Value Housing Finance

    You can avail home loans from Aptus Value Housing Finance at interest rates ranging between 14.00% and 16.00% (fixed and floating). The maximum repayment tenure on the home loans is 15 years and loans of up to 85% of the property value can be availed. Processing charges of 2% of the sanctioned amount plus GST will apply.


    Among various others, housing is one of the primary and essential need of every human being. However, with the rise in population and standard of living, the demand for shelter continues to grow each day. However, when it comes to the population, the upper middle and high segments of the society have no shortage of options when it comes to availing housing finance.

    It is the middle income and self-employed segments of the society whose needs for housing and housing finance are not met adequately. To help these individuals realize their dream of having a house of their own, Aptus Value Housing Finance India Ltd. offers a multitude of options. Registered and certified under the National Housing Bank, this is a housing finance company which operates with the primary objective of catering to the needs of self-employed segment of customers who belong to the middle income group, residing mainly in semi-urban and rural areas. Aptus housing finance holds a trusted presence in 4 states across India and operates with the help of 55 branches.

    Features of Aptus Value Housing Finance Home Loan:

    • Purpose of Loan – Aptus Housing finance offers long term home loans to customers which can be availed for purposes like purchasing a new house/flat from a builder, purchase of an existing flat or house, construction of a new flat or house on pre-owned land or for the renovation or extension of a house.
    • Term of Loan – Applicants can avail this home loan for a maximum tenure of 15 years.
    • Loan Prepayment Charges – Customers who wish to pre-close their home loan before the expiry of its term are not required to pay any pre-payment or foreclosure charges to the company.
    • Amount of Loan Available – In order to facilitate customers to purchase /construct new house or renovate an existing house, Aptus provides home loans for a minimum amount of Rs 3 lakhs. Since the primary focus is on providing home loans to customers looking to purchase/construct a house ranging from Rs 6 lakh to Rs 30 lakh in value, the maximum range of home finance provided goes up to Rs 25 lakhs.
    • Loan Margin – These home loans can be availed for a value that must not exceed 85% of the market value of the property to be purchased.

    Aptus Value Housing Finance Home Loan Interest Rate 2023

    The interest rate on home loans availed from Aptus Value Housing Finance can be fixed or floating and is linked to the base rate of Aptus. The details of the interest rates have been given below:

    • Keeping in account the fluctuations in interest rate, the fixed rate of interest will be higher by 0.5% to 1%.
    • According to the NHB rules, the interest rate chargeable to Rural Housing Fund (RHF) customers, would be calculated after taking into account the benefit gained from NHB borrowing. As a result, the reduction in the interest rate would be provided to the customers.
    Type of Interest Rate Interest Rate
    Fixed 14.50% to 16.00%
    Floating 14.00% to 15.50%

    Compare: Home Loan Interest Rate all Banks

    Aptus Value Housing Finance Home Loan EMI Calculator:

    If you wish to find out the monthly cost of your home loan, you can do so easily with the help of the EMI Calculator that has been provided on the Aptus India website. To make use of this tool, you will need to input information like the amount of loan you require to take, the tenure of repayment that is comfortable for you and the rate of interest that is applicable on your chosen loan. Having input that information, the tool will immediately display the amount of EMI or monthly installment which you are required to pay for your home loan.

    FAQS on Aptus Value Housing Finance Home Loan

    1. Is there any processing fee applicable on these home loans?

      Yes, Aptus charges its home loan customers with a very nominal loan processing fee. A processing fee charged at the rate of 2@ of the disbursed loan amount shall be charged, in 2 stages.

      • 1st stage-When the loan is sanctioned, 1% of the Sanction amount will be charged as processing fee.
      • 2nd Stage-When the loan has been disbursed, the remaining 1% will be charged on the disbursed loan amount.
    2. Is there any charge levied if the loan is transferred?

      Yes, customers will be required to pay a charge of 3% on the remaining loan amount, if they have taken a loan with fixed interest rate.

    3. What are the other charges associated with this loan?

      Other charges associated with this loan include :

      • CERSAI Charge-which is charged at the rate of Rs 250 for loans up to Rs 5 lakh and at the rate of Rs 500 for loans above Rs 5 lakh.
      • Cheque Bounce Charge –Rs 500/per instance.
      • Delayed Payment Charge –At the rate of 2% per month.

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