Home Loan
Overview
Key Features & Benefits
Interest Rate & Charges
EMI Calculator
Overview
A home loan can act as a comprehensive solution to a home buyer. Atul Infrastructure offer multiple financial solutions that can take you a step closer to your dream of having your own house. Simple and hassle-free application procedures, efficient customer care and dedicated relationship managers make the loan journey smooth.
Key Features & Benefits
Home Loan Features and Benefits Offered by Atul Infrastructure
When there are plenty of home loan lenders, it may often seem overwhelming to select the one that would be most suitable for you. At Atul Infrastructure, it is of great importance to us to offer our customers the best possible options to make achieving their goal of acquiring their home easier. Let us take a look at the highlighting features of a housing loan:Easy Procedures
When you want to apply home loan from Atul Infrastructure you simply need to fill in the application form and submit the listed documents. Very soon a relationship manager will get in touch with you and start the procedure as per your choice and convenience.
Minimum Documentation
To further ensure an easy and hassle-free process of a home loan application, Piramal Finance requires minimal documentation.
Flexibility of repayment of the home loan
There are many options available when it comes to creating a home loan structure that suits your requirements. We allow a lot of flexibility in the loan tenure, prepayment and foreclosure as well.
Home loan EMI that fits your pocket
To make paying your home loan all the more convenient, we also offer you the choice to opt for a floating or a fixed interest rate when you opt for a home loan. With a loan up to 90% of the purchase price, you stand so much closer to turning your dream into a reality.
Loans for all
For salaried as well as self-employed individuals, Piramal Finance offers the best deals possible when it comes to home loans.
Tax Benefits
Another major benefit that you can avail of when seeking a home loan is tax benefits. Under Section 80C of the Income Tax Act, 1961, you can claim up to INR 1.5 lakhs on the principal amount, registration cost and the stamp duty charges of the housing loan. In the case of a joint home loan, each borrower (provided they are also the co-owner of the property) can claim up to INR 1.5 lakhs in an annual year.
Interest Rate & Charges
Home Loan Interest Rate & Charges:
Let us now take a look at the home loan interest rates structure offered by Atul Infrastructure.
To help you understand how the interest rate structure would affect your home loan EMI, take a look at the following example, showing how much you would have to pay under different variables:
| Slab | Home Loan Interest Rate |
|---|---|
| Up to INR 35 lakhs | Starting From 10.50%* per annum onwards |
| From INR 35 lakhs to INR 75 lakhs | Starting From 10.50%* per annum onwards |
| Over INR 75 lakhs | Starting From 10.50%* per annum onwards |
| Loan Amount | Tenure | Rate of Interest | EMI |
|---|---|---|---|
| INR 10 lakhs | 10 years | 10.5%* | INR 13,493* |
| INR 25 lakhs | 10 years | 10.5%* | INR 33, 734* |
| INR 50 lakhs | 20 years | 10.5%* | INR 49,919* |
| INR 50 lakhs | 25 years | 10.5%* | INR 47,209* |
| INR 75 lakhs | 25 years | 10.5%* | INR 70,814* |
EMI Calculator
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