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  ABHYUDAYA CO-OPERATIVE BANK LTD.
  MULTI STATE SCHEDULED BANK
   

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Monday, 11-Dec-2017  07:42:23 AM
 
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Housing Loan
 
 
PURPOSE
  • Purchase of Flat (New or Resale)
  • Construction of House,
  • Extension to existing Flat / House
  • Takeover of Housing Loan from other Financial Institutions, etc.
MAX. AMOUNT
  • Maximum amount of Rs. 70.00 Lakh.
ELIGIBLITY
  • Any Individual (Businessman, Professional, Self- Employed, Salaried Person having Regular source of Income)
  • Property should be in the name of Applicant.
  • The Co-applicant is necessary for Housing Loans. Co-applicant will mainly be spouse or son or daughter or father or mother of the Principal Borrower and he/she may be an earning or non-earning member. In these cases the income of the Co-Applicant can be clubbed for calculation of eligible loan amount. In the absence of the above Co-applicants, Brother or Sister may be taken as Co-applicant, but their Income shall not be clubbed for calculation of eligible loan amount.
  • In case of joint Agreements in Housing Loans, the Purchasers (Owners) will be the Borrowers and hence there is no need for separate Co-Applicants.
A) Eligibility as per Agreement Value
Agreement Value Loan Eligibility

Up to Rs.28.00 Lakh

Note: Loan amount should not exceed Rs.25.00 Lakh

90% of the Agreement value

Above Rs.28.00 Lakh

Note:- Loan amount should not exceed Rs.70.00 Lakh.

80% of the Agreement value
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