Housing Finance

To apply for an ABHFL home loan, you can follow these steps:

Step 1: Visit the ABHFL website and download the home loan application form.

Step 2: Fill in the application form completely and accurately.

Step 3: Attach the required documents, such as your KYC documents, income proof, property documents, and NOC from your existing lender (if applicable).

Step 4: Submit the duly filled-out form and required documents to your nearest ABHFL branch.

Step 5: An ABHFL representative will review your application and contact you to discuss your loan requirements.

Step 6: Once your loan is approved, you will need to sign the loan agreement and complete the necessary paperwork.

You can also apply for an ABHFL home loan online or by calling the ABHFL customer care number (1800 270 7000). For any assistance, you can also write to us at care.housingfinance@adityabirlacapital.com

The following self-attested documents are required for home loan approval:

For Salaried Individuals:

• Proof of identity and address: Passport, voter ID card, driving licence, job card issued by NREGA, Aadhaar card, registration certificate, PAN card (PAN card only as identity proof), or any other document acceptable to ABHFL.
• Proof of income: Latest 3 months salary slip showing all deductions and Form 16.
• Bank statement where salary or income is credited: Latest 6 months.
• Proof of other income: Rental receipts or documents showing receipt of income.
• Property documents: Copy of title documents and approved sanction plan.

For Self-employed / Professional / Partnership / Company:

• Proof of identity and address: Passport, voter ID card, driving licence, Aadhaar card, registration certificate, PAN card (PAN card only as identity proof), or any other document acceptable to ABHFL.
• Proof of income: IT returns or financial documents for the last 2 years and income computation certified by a chartered accountant for the last 2 years.
• Bank statement where income is credited: Latest 6 months.
• Proof of other income: Rental receipts or documents showing receipt of income.
• Property documents: Copy of title documents and approved sanction plan.
• ABHFL may request additional documents to process your loan.

Yes, you can apply for a top-up home loan even if you have refinanced your home loan with ABHFL. The eligible loan amount will be determined based on your current home loan eligibility, which is assessed using the following factors:

• Income of all applicants

• Age of the primary applicant

• Existing income or EMIs

• Stability and continuity of the primary applicant's occupation

To ensure your eligibility for a top-up home loan, it is recommended to consult with an ABHFL representative to discuss your specific circumstances.

Here are some tips to ensure a smooth and hassle-free balance transfer process:

• Start planning early. The earlier you start planning your balance transfer, the smoother the process will be. This will give you enough time to compare the offerings of different lenders and choose the best one for your needs.

• Gather all the required documents. Before you apply for a balance transfer loan, make sure that you have all the required documents in hand. This will help to expedite the processing of your application.

• Keep your lender updated. Keep your lender updated on your progress throughout the balance transfer process. This will help to avoid any delays or complications.

• Be patient. The balance transfer process can take some time, so it is important to be patient. However, if you follow the tips above, you can help to ensure that the process is as smooth and hassle-free as possible.