Aditiya Birla Home Loan Interest Rate – Latest Rates & How It Works

Key Insights 

1. Aditya Birla offers home loan interest rates starting at 6.70% per year, with options designed for both salaried and self-employed people.
    
2. Processing fees start as low as 0.25%, and the fee structure is clear, so you can easily plan your total loan costs.
    
3. You can check your eligibility online, get doorstep service, and receive quick disbursal. 

Are you looking for your dream home? Check out Aditya Birla home loan interest rate for self employed professionals and salaried employees. If you need help, call the Aditya Birla home loan customer care number to get started.

The Aditya Birla home loan interest rate for employees is the main cost you pay when you borrow money to buy a home. This rate is a percentage of your loan amount and can vary based on your profile and Aditya Birla home loan eligibility. 

It’s also important to know the Aditya Birla home loan processing fees so you can understand your total costs.

Example:

I am self-employed, so I checked my Aditya Birla home loan eligibility online. For a ₹50,00,000 loan at 8.45% interest, my estimated EMI came to ₹43,200. I made sure to include the Aditya Birla home loan processing fees in my budget before applying.

Types of Home Loans Offered by Aditiya Birla

Aditya Birla helps you at every step of your home journey. Whether you are buying a new home or looking for a plot loan,  Aditya Birla home loan interest rate for employees offer a range of financing options to make your property goals possible.

Here is the table that shows you the home loan offered by Aditiya Birla: 

Aditya Birla provides different loan options at competitive rates to support you, whether you are buying a new home or planning to renovate your current one.

Bonus Tip: Do you know? For Semi-Fixed Loans, which start with a fixed rate and later switch to a floating rate, the rules for foreclosure or part payment will depend on whether your loan is fixed or floating on the day you make the request.

Aditiya Birla Home Loan Processing Fees & Charges

Before you plan your home loan, make sure you understand Aditya Birla's processing fees and charges. This knowledge will help you budget for your property investment with confidence.

Here is the list of the Aditiya Birla Home Loan fees and charges:
 

Aditya Birla offers low fees starting at 0.25%. Their clear pricing makes it easy to manage your costs, from processing to pre-closure.

How to Apply for Aditiya Birla Home Loan?

Move into your new home sooner. At Aditiya Birla, our easy application process gives you a fast, clear, and fully online experience from your first question to final approval.

Online Process:

1. Get your documents ready by collecting all required personal, income, and property papers as scanned digital copies.
2. Submit your application online by filling out the form on the Aditya Birla Capital website or the ABCD app. Enter your mobile number and verify it with the OTP you receive.
3. Upload your scanned documents through the online portal. The Aditya Birla Housing Finance Limited (ABHFL) team will review them. A representative might contact you or visit your home or office for further verification.
4. The property you want to finance will be checked for legal and technical details to make sure the title is clear and the structure is sound.
5. After we verify your information and assess the property, we will send you a formal letter with the approved loan amount, interest rate, and terms. Please review the offer and let us know if you accept.
6. After you sign the loan agreement and meet all the conditions, we will send the approved loan amount to the seller or builder of the property.

Offline Process:

1. Gather all the required supporting documents like PAN Card, Aadhar Card, etc. You can find the full list below.
2. Go to your nearest Aditya Birla Housing Finance Limited (ABHFL) branch during working hours, usually from 9:30 a.m. to 6:00 p.m., Monday to Friday.
3. Hand in your completed form and documents to a loan officer or relationship manager. They can also help you with doorstep services and guide you through each step.
4. Pay the one-time, non-refundable home loan processing fee, which starts at 0.25% of the loan amount plus GST.
5. ABHFL officials will carefully check your documents, review your financial details, and carry out legal and technical checks on the property.
6. After your documents are verified and approved, you will get a sanction letter. Once you accept the terms and sign the loan agreement, the loan amount will be sent to you.

Aditya Birla makes getting a home loan easy. You can upload your documents online and get the service at your doorstep. Aditiya Birla reviews your details quickly and disburses your loan fast, so the process is smooth for you.

Conclusion

Aditya Birla Home Loan makes it easier to own a home with interest rates starting at 6.70%, clear processing fees from 0.25%, and a simple online application. This helps you plan your move with confidence and ease.

FAQS

What do you think about Aditya Birla Housing Finance's home building loans? 

Aditya Birla Housing Finance (ABHFL) home building loans are recognised for their clear processes, competitive interest rates, and flexible options. Customer reviews are mixed. Some people appreciate the support, but others have had issues with payment processing.

Has anyone here taken a home-building loan or any other loan from Aditya Birla?  

Online reviews for Aditya Birla Capital loans are mixed. Some people have had smooth, positive experiences, while others have faced problems, especially with customer service and closing their loans. The company is legitimate and well-rated, but experiences can differ a lot.

What is the process of taking a loan from Aditya Birla Capital?  

If you want to take a loan from Aditya Birla Capital, first decide how much money you need. Then, check your eligibility online by reviewing your age, income, and credit score. Fill out the application form and upload your ID, address, and income documents. Your information will be checked. 

Aditya Birla is a scam for a loan. What do you say?  

Aditya Birla Capital is a real financial institution, but many scammers pretend to be them by using fake websites, emails, and phone calls. These scams often try to get people to pay fees upfront or share personal information. 

What serves as collateral for an Aditiya Birla home loan?

The property you buy with the loan is used as collateral for the home loan.