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  • Art Housing Finance

    Art Housing Finance (India) Limited provides affordable housing loans with interest rate depending on the customer profile and type of loan. Home loans can be availed for up to Rs.50 lakh with a maximum tenure of 30 years.

    Art Housing Finance (India) Limited Details

    Art Housing Finance home loans cater to those with incomes starting at Rs.5,000 per month.

    Loan Amount Minimum: Rs.3 lakh Maximum: Rs.50 lakh
    Penal Interest Rate 2% p.m. on dues outstanding
    Max Tenure Up to 30 years

    Compare: home loan Interest Rate for all Banks

    Art Housing Finance (India) Limited Interest Rates 2023

    The Prime Lending Rate (PLR) is 19.25% and effective interest rates depend on the type of home loan scheme and customer profile.

    Art Housing Finance (India) Limited Home Loan Schemes

    Art Housing Finance provides home loan schemes for a wide range of purposes. You can avail up to 90% of the value of the property as a loan. There are also no prepayment charges and there are flexible repayment options.

    These loan schemes are as follows:

    1.Home Purchase:

    • To buy an under-construction or ready-built residential unit
    • Up to 90% of property value can be availed
    • Loans range from Rs.3 lakh to Rs.50 lakh

    2. Home Improvement:

    • For internal and/or external renovation or makeover of an existing residential unit

    3. Home Extension:

    • For extending an existing residential unit
    • Can be used to build additional rooms or floors
    • Can be used to enclose a balcony or build extra or larger bathrooms

    4. Home Construction:

    • To build a house on a plot of land
    • Tenure of up to 30 years
    • Repayment options are flexible

    5. Balance Transfer Loan:

    • To transfer a home loan from an approved bank or financial institution
    • Attractive interest rates
    • Easy documentation

    6. Home Refinance:

    • Reimbursement of expenses for home building
    • Can be expenses for the purchase or construction of a new unit
    • Can be expense for the extension of an existing residential unit

    7. Balance Transfer + Top Up:

    • Transferring a loan from an approved bank or financial institution at lower interest rates
    • Can avail a top-up loan
    • Quick processing

    Art Housing Finance (India) Limited EMI Calculator

    BankBazaar’s home loan calculatorwill show you how much Equated Monthly Instalment (EMI) you will have to pay according to your loan amount, tenure, interest rate, and processing fees. Just enter the figures in the relevant fields and the amortisation table with details of your EMI will be instantly generated. This will help you better plan and manage your finances.

    Art Housing Finance (India) Limited Eligibility Criteria

    Type of Employment Self-employed and salaried
    Income Both informal and formal income segments
    Age At start of the loan: Minimum 23 years At loan maturity: 65 years
    Nationality Indian Resident

    Get Free Quote: Check Home Loan Eligibility

    Documents Required to Apply for Art Housing Finance (India) Limited

    These are the documents required at the time of application:

    General Documents:

    • Last 6 months’ bank statements
    • Valid KYC documents
    • Copy of property documents

    Self-employed individuals:

    • Last 2 years’ income tax returns, certified or audited by CA
    • Shop and establishment certificate
    • Trade certificate
    • Registration certificate
    • Service tax registration certificate
    • GST registration certificate
    • VAT registration certificate

    Salaried individuals:

    • Last 3 months’ salary slips or salary certificate
    • Latest Form-16
    • Current contract letter or job appointment letter

    Document Check List: Home Loan Document Required


    1. Is any collateral or security required for the loan?

      Yes, the security for the loan is the first mortgage of the property that is being financed. This is done by depositing the title deeds or other collateral security with Art Housing Finance.

    2. How do I apply for a loan from Art Housing Finance?

      You can apply for a loan by applying online on the website, by visiting the nearest branch, or by sending an email to sales@arthfc.com

    3. What benefits do urban Low Income Group earners have from the schemes?

      Under the Pradhan Mantri Awas Yojana (PMAY), such earners will pay less for home loan tenures of 15 years with the Credit-Linked Subsidy Scheme.

    4. Are pre-payments permissible?

      Yes, you can make either partial or full pre-payments on your loan. There are prepayment charges as governed by the National Housing Bank guidelines.

    5. Are there ways to enhance my eligibility for the loan?

      You can increase the chances of being eligible for the loan by including other income sources (agricultural, rental, etc.) or by adding a co-applicant (whose income can also be considered for the loan).


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