उत्पाद विवरण
बैंक का नाम
Shriram Housing Finance Limited
अधिकतम ऋण अवधि
25 years or retirement age whichever is earlier
अधिकतम ऋण राशि
INR 10 Crore
ब्याज दर
Starting from 9.5% per annum.
प्रकार
Floating
अग्रिम भुगतान
Funding upto 90% of the cost.
फीस और शुल्क
Prepayment Fee: No charge if prepay from your own sources. 2% fee + GST for other sources like Balance transfer or refinancing.
Processing Fee: up to 2.5% of the loan amount plus GST. non-refundable and has to be paid at the time of application.
Penal Interest Rate On Delayed EMI: 30% per annum on the overdue amount for floating interest rate loans and 36% for fixed interest rate loans.
Legal Fees: At actual.
Stamp Duty And Registration Charges: At Actuals
न्यूनतम CIBIL स्कोर
Not specified.
डाउन पेमेंट और शुल्क
Home loan
विशेष लक्षण
No prepayment penalty in case of prepayment through own funds.
पात्रता मापदंड
Shriram Housing Finance Limited (SHFL) offers home loans to individuals with a range of eligibility criteria. Here's a breakdown of the key factors they consider:
Minimum Age:
24 years at the time of loan application
Maximum age at loan maturity: 70 years
Income:
Minimum monthly income varies depending on the loan amount and location. Generally, it starts from INR 15,000 per month for salaried individuals and INR 25,000 per month for self-employed individuals.
Employment:
Salaried individuals employed with reputable organizations.
Self-employed individuals with a minimum of 3 years of stable income in their chosen field.
CIBIL Score:
While SHFL doesn't specify a minimum CIBIL score, a score of 600 or above is generally preferred for better chances of approval.
विशेष रियायत
No special concession.
होम सेवर विकल्प
No.
विशेषताएं, पात्रता और रियायत
पेशेवरों
Dedicated relationship manager.
Low minimum salary requirement of INR 30,000.
Loan upto 90% of the cost.
Loan upto 25 years.
दोष
High processing fee.
No home saver option.
Interest rate higher than that of PSU banks.
पक्ष विपक्ष
Application Procedure
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