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  • Dhanlaxmi Bank Home Loan

    Your dream home can become a reality with the Home Loan. The loan covers construction, purchase, refurbishing and even transfer of an existing home loan from another financial institution, and provides versatile finance options for any other home-related expenses.

    Features :

    The maximum loan amount is Rupee 2.5 crores (Rupee 50 lakh for purchase of plot). The loan amount eligible is subject to the lowest of the following:

    • 85% of cost of construction/value of house / flat for new dwelling units.
    • 70% of purchase cost in the case of purchase of residential plots.
    • 75% of cost for existing dwelling units / repairs.
    • In case of employed persons, the maximum loan amount can be up to 60 times of the net monthly take home salary including that of spouse. This is subject to furnishing satisfactory evidence, even as other income of a permanent nature like interest on deposits / investment, rental income etc. can be considered in computations to arrive at the net monthly income.
    • For all other borrowers, the maximum loan amount can be five times the net annual income as per IT Return.

    Eligibility :

    • Employees, Professionals, Businessmen, Agriculturists / NRIs with an annual income of over Rupee 1.2 lakh
    • Loan to be repaid before the borrower attains the age of 60 years
    • Salaried employees with a net monthly income of at least Rupee 6,000 including that of spouse, with a minimum 1 year of leftover service after completion of the eligible loan period.
    • NRIs (Non-Resident Indians) and PIOs (Persons of Indian Origin) below 55 years of age and employed overseas for at least 24 months with assured recurring earnings*.
    Agents for Housing Loans | Home for Sale in Coimbatore |
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