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Aadhar Housing Finance Home Loan Interest Rates 2022

Aadhar Housing Finance Housing Loan Interest Rate -Today

Last Updated 27th Dec 2021

Loan AmountHome Loan Rate
Upto ₹ 25 Lakh11.75%
₹ 25 Lakh - ₹ 50 Lakh11.75%
₹ 50 Lakh - ₹ 75 Lakh11.75%
Above ₹ 75 Lakh11.75%
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Aadhar Housing Finance Home Loan Rate

Aadhar Housing Finance offers home loans to both salaried individuals and self-employed at a minimum rate starting at 11.75% up to 16.50%. Apart from the interest rate, the bank also has various other charges such as Aadhar Housing Finance processing fee - that is charged over and above the loan amount, is non-refundable and has to be paid at the time of loan application and foreclosure and prepayment fee for closing or prepaying the loan before the loan tenure ends.

Aadhar Housing Finance Home Loan Processing Fee and Other Charges

Aadhar Housing Finance charges a minimum processing of ₹ 3,500 on home loan which is typically non-refundable and has to be paid at the time of loan application. In addition to processing fees, the bank also charges certain technical and legal charges which are explained to the customer during the loan process and are payable once the loan application proceeds further.

Processing Fees minimum processing fee of ₹ 3,500
Part Prepayment Charges Allowed
Foreclosure Charges Nil for floating rate home loans

Interest rates on Aadhar Housing Finance Home Loans Schemes

Aadhar Housing Finance offers a housing loan interest rate at 11.75%. If you want to avail of the home loan at the lowest rates, you should have a good CIBIL score, debt-income ratio and repayment capacity. In addition, Aadhar Housing Finance home loan interest rates are lower for existing customers of the bank and individuals who are working with reputed corporations with a stable employment history.

Below-mentioned are Aadhar Housing Finance home loan rates for multiple housing schemes.

Aadhar Housing Finance Home Loan Scheme Interest Rates
Home Loan11.75% - 16.50%

Aadhar Housing Finance Home Loan Interest Rate for Salaried and Self-Employed

The home loan interest rates in Aadhar Housing Finance for salaried and self-employed is mentioned in the table below:

Home Loan Interest Rate for Salaried

Loan Amount Rate
Upto ₹ 25 Lakh 11.75%
₹ 25 Lakh - ₹ 50 Lakh 11.75%
₹ 50 Lakh - 75 Lakh 11.75%
Above ₹ 75 Lakh 11.75%

Home Loan Interest Rate for Self-Employed

Loan Amount Rate
Upto ₹ 25 Lakh 12.75%
₹ 25 Lakh - ₹ 50 Lakh 12.75%
₹ 50 Lakh - 75 Lakh 12.75%
Above ₹ 75 Lakh 12.75%

Aadhar Housing Finance Bank Home Loan Interest Rate For Women & Govt Employee

Loan Amount Aadhar Housing Finance Home Loan Rate For Women Aadhar Housing Finance Home Loan Rate For Govt Employee
Upto ₹ 25 Lakh 11.75% 11.75%
₹ 25 Lakh - ₹ 50 Lakh 11.75% 11.75%
₹ 50 Lakh - 75 Lakh 11.75% 11.75%
Above ₹ 75 Lakh 11.75% 11.75%

Aadhar Housing Finance Home Loan Balance Transfer Interest Rates

Aadhar Housing Finance home loan balance transfer facility is ideal for existing home loan customers, who are paying high interest to their existing lender. Through this facility, you can transfer your existing home loan to Aadhar Housing Finance at a lower rate of interest, without closing the account. However, you do need to check the foreclosure charges that you have to pay to your existing lender if it is a fixed rate loan. Currently, Aadhar Housing Finance offers the loan balance transfer rate of 6.50%.

Illustration on Home Loan Interest Rate Aadhar Housing Finance
Maximum Annual Percentage Rate (APR) 11.75% to 16.5%
Representative example of the total cost of the loan, including all applicable fees
Here is an illustration of the total cost of the loan:
  • Total amount borrowed: ₹ 1,00,000
  • Time period: 1 Years to 30 Years
  • Aadhar Housing Finance Home Loan Interest Rate: 11.75% to 16.50%
  • Processing Fee payable to: NIL
  • Fee payable to MyLoanCare: NIL
  • Total Monthly Cost – From ₹ 1,009 for 30 Years ₹ 1,00,000 loan at 11.75% (lowest rate, longest time period) to ₹ 9,097 for 1 Years ₹ 1,00,000 loan at 16.50% (highest rate, shortest time period). This is inclusive of principal repayment.
  • Annual Percentage Rate (APR) of charge including all applicable fees: 11.75% to 16.5%
  • Total cost payable over loan tenure: ₹ 1,06,478 for 1 Years loan to ₹ 3,63,388 for 30 Years loan

FAQs

Has Aadhar Housing Finance reduced home loan rates?

As per the current rates, Aadhar Housing Finance has hiked its home loan rates by 0.75% from 11.00% to 11.75%, which is one of the best rates in the market. The new rates are effective from 01 Apr, 2021.

Why should I opt for balance transfer to Aadhar Housing Finance?

Aadhar Housing Finance offers lowest Home Loan EMI of ₹ 1,009 per lakh availed at the lowest interest rate 11.75% for a maximum tenure of 30 years. If you are paying an EMI more than ₹ 1,009 per lakh, you should consider the option for a loan transfer to Aadhar Housing Finance from your existing bank. Current Aadhar Housing Finance balance transfer rate is 6.50%.

Can Aadhar Housing Finance housing loan interest rate be negotiated?

Yes, if you have a good relationship with the bank and a high credit score, you can negotiate with Aadhar Housing Finance to lower the home loan rates. Apart from the home loan rates, you can also negotiate over the processing fee.

Can Aadhar Housing Finance revise the home loan interest rates for their existing customers?

Yes, Aadhar Housing Finance offers concessional rates to the existing customers, and you can negotiate with the bank to offer you the revised home loans at a floating rate of interest. The floating interest rates on home loans vary as per the change in market trends or in external benchmark rates such as the repo rate.

Does Aadhar Housing Finance offer a concessional home loan interest rate for women?

Yes, Aadhar Housing Finance offers special home loan interest rates for women. As against Aadhar Housing Finance home loan rates for male which is 11.75%, the home loan interest rate for women starts at %.

What is the Aadhar Housing Finance home loan rate of ₹ 25 Lakh for 15 years?

For home loan upto ₹ 25 Lakh, Aadhar Housing Finance provides home loan interest rate starting at 11.75%. However, you can get the lowest rates if you have a good relationship with the bank, work with top corporations, have a good CIBIL score and have stable income sources.

At what interest rate does an Aadhar Housing Finance employee get a home loan?

Aadhar Housing Finance offers concessional home loan rates of about 1% than the current home loan rates to Aadhar Housing Finance employees.

Is Aadhar Housing Finance home loan a floating rate loan or fixed-rate loan?

Aadhar Housing Finance home loan is offered at both fixed and floating rates. In the case of the fixed-rate, the interest remains the same throughout the tenure. On the other hand, the home loan rates vary as per the market fluctuations for floating home loan rates.

What is the Aadhar Housing Finance home loan rate today ?

Aadhar Housing Finance home loan rate today is in the range of 11.75% to 16.50%.The bank also charges a processing fee of upto Minimum ₹ 3,500 of the home loan amount.

How much interest does Aadhar Housing Finance take on home loans?

The rate of interest on Aadhar Housing Finance home loans varies based on your eligibility, such as CIBIL score, age, repayment capacity, income etc. However, Aadhar Housing Finance home loan current interest rate 2021 are in the range of 11.75% to 16.50%.


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*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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