Important Details:- Axis Bank es bank’s loan paste approval has the least document and effective rate of interest. Company Head office is in Mumbai and es bank’s branches are available in all the states in whole India.
Axis Bank Home Loan 2025 process is simple and effective. In this article, we will explain how to apply, eligibility criteria, required documents, and interest rates.
Axis Bank Home Loan Eligibility Criteria
Home Loan Interest Rates (Aug 2025) – Starting @ 8.75% | Axis Bank
How to get home loan
| To take a home loan, first of all you will have to contact the nearest company. If there is no branch of the company in your area, then what to do? In that condition, you will have to contact the helpline number of the company from which you want to take a loan. You will get complete information from there. You will have to share personal details on the helpline number, such as about your business and what is your CIBIL score report. If you have taken a home loan before, you will have to share its details. What is your business profile, that is, for example, if you have a grocery store near you, then you have to tell information about that shop, like my shop 3 It is 4 years old and my monthly income is Rs 30000. |
How to contact against the company? |
| For contacting any company against whom he is getting a home loan, first of all the customer should get complete information about that company on Google or YouTube. For the against whom you are talking, you can call on the helpline number, you will get the helpline number on Google, from there the customer care person will provide you the number of the against whom. Before giving complete information to the against, you should check some basic details of the against the company like his ID card related to the company, or Aadhar card. After that share your basic details with the against whom. Whenever the agents come to visit your house or shop, complete information should be taken from the agent on the first day itself because later you may have to ask some such details There is a need for documents which are not available on time. |
Which documents are required to take a loan? The most important documents for taking a loan |
| Necessary documents of the member • Aadhar Card. • Pan Card .• Voter ID Card. • Electricity Bill. • Passport photo 🛂. • Latest Bank Statement of 6th month 🏦. • Bank account check book 7 must be checked in the check book 📚 Property Documents • Registry. • Divarsion. • Namantaran. • Property tax Receipt. • 13th year Khasra Nakal |
| What is the file charge for taking a loan? |
| File Charge:- For taking a loan, file is charged as per company’s policy and is also defined on the basis of loan amount. Average amount of login fees starts from minimum login fees of Rs.1000 and goes upto Rs.6000 and there can be many more as follows 1. Login charges. 2. Insurance charge. (This is charged as per age) 3. Technical change. 4. Loan processing charges 5. RCU charge 6. Documents charge. |
| What should a house be like to get a home loan? |
| Home Loan:- There is always only one question in everyone’s mind for taking a home loan? Whether loan will be given on our house or not, you do not need to think much about it, I will put an end to this doubt of yours today, no matter how the house is, it defends the company and the loan is also given as per the house. If your house is made of mud, such as there is no leakage on the house, if it is a house made of mud, then you will not get a home loan on it. To take a housing loan, your house should be standard. The house should have full plaster, should be coloured with good cement and the age of the house should not be too old. If there is no leakage then it will work. |
| How many types of home loans are there?Home loan (housing) is mainly of 6 types |
| 1.Home Loan (HL) 2.Mortgage Loan 3.Business Loan (MSME) 4.Balance Transfer (BT) 5.Repair & renovation (R&R) 6.Perches plus contraction (PPC) 1.Home Loan (HL):- Home loan means building a house, i.e. the customer should have a plot and that very plot is financed. In home loan, payment is mainly made in 5 tranches. You will get only 20% of your payment which will be the loan disbursement in the first trench. In that payment, you have to raise the search for the house. Its second trench should be given to you for demolition. Hence, you will get your final payment in total 5 tranches. In that condition, your EMI will be paid It will continue. To avail this loan, you should primarily have the registry of the plot and that registry will be stored in your company only till your loan will continue. 2.Mortgage Loan:- Mortgage Loan means loan in exchange of property. To avail this loan, you should have a complete house with plaster and the house should be at least 5 to 10 years old. It should not be older than this. The house should be made of RCC stretcher. Not considered in RBC girder. Persian house will not work. It is compulsory to have registry for this loan. The interest rate in this loan is at least 12% to 18%. In easy installments. 3.Business Loan MSME:- You do not need to provide documents of the house to avail this loan. You will not have to mortgage your property. To avail this loan, you will not have to take property mortgage. For this you should only have a satisfyer for business and business proof with ITR, Balance Sheet. In this loan you will get loan at rate of interest 14% to 18% (ROI). 4.Balance Transfer BT:- This loan can be a little technical for customer because in this loan there is already an existing loan from any housing finance company and that loan was transferred to some other company or NBFC/BANK, this is called Balance Transfer BT loan. Suppose you had previously got house finance done from SBI Bank and for some reason you want to close the loan from there and you do not have that much payment, in that condition you can get that loan from some other NBFC company. And the same company will make all the payment there. You don’t have to pay anything upfront. Your loan will be transferred from SBI to NBFC. In that condition, your interest rate will also be reduced and you will get the loan after paying the interest. 5.Repair & renovation (R&R):- This loan is given when the customer does not have funds to repair or renovate the house. For example, if your house is in contraction and you want to repair it, then you get a loan for that here. This loan is different from Home loan (Contraction Loan) to some extent. In this loan, the interest rate is also very low. 6 Parches plus contraction (PPC:- This loan is taken for buying or selling a house. To take this loan, the customer must have enough payment to buy the house. The finalisation of this loan has to be done before taking the loan and after the finalisation of the finalisation of the loan, the entire loan will be handed over to the company and this entire process will be done as per the rules of the company and the complete payment of the loan will be given to the party through cheque and the cheque number will also be entered in the registry and that registry will be deposited with the company, after which the final payment will be released. |
| What should be the income proof to get a home loan? |
| Income proof:- If it is seen in the income proof then the monthly income of the customer should be at least 20000 to 50000 and for such loan it is mandatory to show income proof. Like if a customer has a shop then you have to provide the income proof of that shop like business bill or invoice, this will be according to the shop. It is necessary for the customer to have a shop. For taking all the loans, loan is not given without a shop. For shop like kirana shop, motor wiring shop, garments shop, and salaried person it is not mandatory to show the shop. For them it is necessary to have three months salary slip or current three months bank statement. |
Apply Online for Axis Bank Home Loan
Click Apply Online to start your application or visit the official Axis Bank page for full details and secure online form.
Note: Please verify all terms & eligibility on the official site. Keep required documents (Aadhaar, PAN, bank statements) ready.