हिंदी में पढ़े
Disclaimer: Aptus Value Housing Finance is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Aptus Value Housing Finance for home loans. No offers/services from Aptus Value Housing Finance are being provided by Paisabazaar for home loans. For further information about Aptus Value Housing Finance for home loans, users are required to reach out directly to Aptus Value Housing Finance.
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Aptus Housing Finance Home Loan Highlights |
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| Interest Rates | 14.00% – 15.50% p.a. |
| Tenure | Up to 15 years |
| Loan Amount | Rs 5 lakh to Rs 25 lakh |
| Loan to Value Ratio | Up to 85% of the property value |
| Processing Charges | Up to 2% plus GST (on sanctioned value) |
Note: Interest rates updated as of 6 November 2024
Table of Contents
Aptus Home Loan Interest Rates
The interest rates for Aptus Home Loans are mentioned below:
| Type | Interest Rate (% p.a.) |
| Floating | 14.00 – 15.50* |
| Fixed | 14.00 – 15.50* |
*There may be some changes to the above rates of interest (after seeking the appropriate approvals) based on credit checks, business vintage/property papers and other parameters
Although Aptus Housing Finance has not disclosed the differential home loan interest rates for its schemes, most lenders set the interest rates for their home loans based on factors like their loan applicant’s credit score, monthly income, EMI/NMI ratio, employer’s profile, etc.
Compare Interest Rates on Home Loans for Top Banks & HFCs
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh | |
| SBI | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | Apply Now |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| LIC Housing Finance | 8.50% - 10.35% p.a. | 8.50% - 10.55% p.a. | 8.50% - 10.75% p.a. | Apply Now |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Apply Now |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Apply Now |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Apply Now |
| IDFC First Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Apply Now |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Apply Now |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Apply Now |
| Axis Bank | 8.75%-13.30% p.a. | 8.75%-13.30% p.a. | 8.75%-9.65% p.a. | Apply Now |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Apply Now |
Home Loan Offers From Top Banks & HFCs Check Now
Aptus Housing Loan Fees & Charges
Processing Fees and Login/Administrative Charges
| Particulars | Rates |
| Processing charges | Up to 2% plus GST (on sanctioned value) to be deducted/collected before disbursement |
| Login Fees | Rs 3,500 plus GST |
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Loan Administrative Charges |
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Prepayment Charges
| Particulars | Rates |
| Pre-closure charges |
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Other Charges
| Particulars | Rates |
| Penal interest for delayed EMI payments | 3% per month for no. of days delayed in EMI/PEMI payments |
| Post-dated cheque to ECS | Nil |
| ECS to ECS | Rs 1,000 plus GST |
| ECS to Post-dated cheque | Rs 1,000 plus GST (only on exceptional basis) |
| Document custodian fees | Rs 500 plus GST per month (chargeable post 30 days of closure of loan account) |
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Stamp Duty |
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Valuation / Technical Report |
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Legal Report |
Rs 1,000 plus GST (for loan up to Rs 10 lakh) |
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CERSAI : At the time of Disbursement : Creation of Charge |
Rs 50 plus GST (For loan amount up to Rs 5 lakh) |
Check Lenders Offering Home Loan at Attractive Interest Rates Click Here
Aptus Home Loan Eligibility Criteria
Both salaried and self-employed customers are eligible for availing Aptus Housing Finance Home Loans provided they have a steady flow of income. Although the lender has not disclosed the role of factors like their loan applicant’s monthly income, credit scores, age, work experience, employment profile, etc. in determining their home loan eligibility criteria, most lenders offering home loans consider these factors while evaluating the eligibility of their home loan applicants.
Documents Required for Aptus Housing Loan
While Aptus has not provided any specific documentation for home loans, some of the most important home loan important documents required by most lenders are mentioned below:
- Usual KYC related documents
- Proof of Income (income tax returns, salary slip, GST returns, banks statement for salary credit)
- Property papers
Aptus Home Loan EMI Calculator
Prospective Aptus Housing Finance Home Loan borrowers can use the home loan EMI calculator to know their optimal EMI and loan repayment period before applying for the loan.
Home Loan EMI Calculator
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%
Year(s)
Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
Check Home Loan Interest Rates Offered by Top Lenders Click Here
FAQs on Aptus Value Housing Loan
1. What is the current interest rate on Aptus Housing Finance Home Loans?
Ans. The interest rates for Aptus Home Loan ranges between 14% and 15.50% p.a. The lender offers home loans at both fixed and floating interest rates.
2. How to apply for Aptus Housing Finance Home Loans?
Ans. Prospective applicants can apply for Aptus Housing Finance Home Loans either by visiting lender’s website or its branch offices.
3. Is there any foreclosure charge applicable for Aptus Home Loan?
Ans. In case of fixed interest rates home loans, Aptus levies pre-closure charges of 4% on the outstanding principal amount on home loan transfer and zero charges if the borrower forecloses his/her loan using own funds. The lender does not charge part-prepayment or foreclosure fees on home loans at floating interest rates.
4. Who can be the co-applicants for Aptus Housing Finance Home Loan?
Ans. Aptus Housing Finance has not disclosed the parties who can be co-applicants for its home loan scheme. However, lenders offering home loans usually permit prospective borrowers to add their earning family members as co-applicants.
5. What is the minimum credit score required to apply for Aptus Home Loan?
Ans. Aptus Housing Finance has not disclosed the minimum credit scores required for its home loan applicants. However, lenders usually prefer approving home loan applications of those having credit scores of 750 and above.