Shubham Housing Loan
Shubham Housing Finance offers home loans with interest rates that range from 10.45% p.a. to 20.60% p.a. with a repayment tenure of up to 30 years. You can avail loans ranging from Rs.20 lakh to Rs.50 lakh which also depends on the city.
Shubham Housing Development Finance Company Limited offers home loans and ensures quick approvals and fast disbursal through a simple, low-documentation process. They provide tailored, customer-first solutions across home purchase, construction, and refinancing needs. Borrowers can avail this loan for purchase of new or pre-owned house or flat, plot, constructing a house, extending current home at rate of interest starting from 10.45% p.a.
Features of Shubham Housing Loan
The key features of Shubham Housing loan are mentioned below:
- Offers efficient and hassle-free services.
- Ensures quick loan processing with minimal documentation.
- Charges low processing fees.
- Offers long loan tenures.
- Allows borrowers to choose customisable EMIs.
- Charges zero repayment penalties.
- Offers home loan balance transfer facility.
- Ensure flexible repayment options.
- Transparent application processes.
What is the Purpose of Shubham Housing Loan?
The Shubham Housing loan fulfills the following purposes:
- Buy a new or resale house/flat
- Purchase a plot and build a home from scratch
- Construct a house on land you already own
- Expand your existing home (add rooms, floors, or extra space)
- Transfer your current home loan balance
Key Details About Shubham Housing Loan
Some of the vital details about Shubham Housing Loan are listed below:
Loan features | Details |
Loan Amount | Up to Rs.50 lakhNote: The loan amountdependson the residing city. The loan amount is determined after assessing the borrower’s requirement and property valuation. |
Repayment period | Maximum up to 30 years |
Repayment options | Electronic Clearing Services (ECS)National Automated Clearing House (NACH) |
Rate of Interest | 10.45% to 20.60% p.a. |
Balance transfer option | Helps reducing EMIs Low monthly installments |
Shubham Housing Finance Home Loan Eligibility:
The eligibility criteria to be fulfilled to apply for Shubham Housing Loan are mentioned below:
- Minimum and maximum age at loan maturity should be 21 years and 70 years, respectively.
- Must have an active bank account
- Should reside in a city where Shubham Housing Development Finance has an office
- No guarantor required
- All property owners and income contributors must be co-applicants
Shubham Housing Finance Home Loan Documentation:
Having all the necessary documents handy will ensure a quick and efficient loan processing.
The following documents have to be submitted for Shubham Home Loans.
- Duly filled application form
- Identity proof (PAN card, Voter ID, Passport)
- Address proof (electricity bill, ration card)
- Income proof documents (if available)
- Bank passbook or statements
- Property documents (if identified)
Shubham Home Loan Interest Rates
The details about the interest rates charged on Shubham Housing Loans are mentioned in the table below:
Customer Type | Fixed RoI Range | Floating RoI Range |
Formal Salaried | 11.95% to 18.60% | 10.45% to 17.10% |
Cash Salaried | 12.40% to 20.60% | 10.90% to 19.10% |
Self Employed | 12.49% to 20.60% | 10.99% to 19.10% |
Fees and Charges Applicable on Shubham Housing Loan
The fees and charges related to Shubham Housing loan are mentioned below:
Fees and Charges | Amount |
Administrative and Operational Costs | At login:Up to 7500/- (inclusive of GST)At disbursal: Up to 3% + GST on sanctioned loan amount |
Late Payment Charge | 24% per annum on over dues EMI’s |
Pre closure Charges | Nil |
Partial Prepayment | |
Foreclosure statement charges | Rs. 1000 + GST |
Duplicate No Dues Certificate | Rs. 500 only+ GST |
Cheque/ ECS/ NACH/ SI bounce charges | Rs.500 for each cheque, SI, NACH, or ECS bounce |
Copy of property documents | Rs.1000 plus GST |
Duplicate Interest Certificate | Rs.500 plus GST |
Duplicate Statement (per Statement) | |
EMI Payment instrument Swapping Charges |
Note: To find out more details about the fees and charges related to Shubham Housing Loan, either visit their official website, contact their customer care center, or visit the local branch in-person.
How to Apply for Shubham Housing Loan?
The steps to apply for Shubham Housing Loan are mentioned below:
- Apply for the loan online by visiting the official website.
- Navigate to the Home Loan section
- Click on ‘Apply Now’.
- Fill in the application form.
- Click on the check box and submit the form.
- The representative will reach out to you either by calling or visiting you at your workplace or home.
- The representative will evaluate the documents and discuss if any necessary changes are required.
- The loan amount is disbursed after submission of the remaining documents.
Contact Details of Shubham Housing Development Finance
The contact details of customer care center of Shubham Housing Development Finance are mentioned below:
- Call: 1800 258 2225
- WhatsApp: 7048951418
- Email: customercare@shubham.co
- Address: Shubham House, 425, Udyog Vihar Phase-IV, Gurgaon, Haryana – 122015
Borowwers can also navigate to the ‘Contact Us’ page and fill in the online form to get a call back from the Shubham Housing Development Finance Co. Ltd. customer care.
Shubham Housing Finance Home Loan EMI Calculator
Customers can make use of an online housing loan EMI calculator to check if the EMI for the loan amount would be affordable. You just have to enter details like loan tenure, total loan amount, processing charges and interest rate. In an instant, the calculator will project the amortization details and the repayment schedule. You can make use of this information to help you plan your finances in advance. Also, you can keep changing the parameters till you arrive at a comfortable EMI. The repayment schedule will also help you plan your repayments accordingly.
HOUSING FINANCE SCHEMES
- Indiabulls Home Loan
- LIC Housing Finance
- TataCap Home Loan
- GE Money Housing Finance
- HUDCO Home Loan
- Magma Housing Finance
- Reliance Home Finance
- PNB Housing Finance
- Shriram Housing Finance
- LT Housing Finance
- Repco Home Finance
- Aadhar Housing Finance
- Aditya Birla Housing Finance
FAQs
- Will I be charged any penalty for pre-closure of Shubham housing loan?
Yes, customers can opt to make part of full prepayments. No penalty is levied for pre-closure of Shubham home loans.
- Will I be charged a home loan processing fee?
Yes, the processing fee will have to be paid in two parts. Along with the application form, a nominal amount of Rs.1500 is to be paid. After the loan sanction, an amount equal to 3% of the total loan amount is to be borne by the borrower.
- How do I repay the housing loan?
The monthly instalment amount can be paid either through Post Dated Cheques (PDCs) or through Electronic Clearing Service (ECS) as per the convenience of the borrower.
- How will the loan quantum and interest rate be decided?
Shubham customer relationship managers will discuss in length about the applicant's source of income, savings pattern and employment type. Based on this information, the customer's affordability will be ascertained and a suitable loan quantum will be offered. The interest rate will be the rate as in the loan agreement.
- I am a salaried applicant. What do I have to submit as income proof?
Salaried applicants will be asked to submit documents like salary slip, employment certificate and bank statement showing the salary credits.
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