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Home Loan: Apply for Housing Loan Online

Owning a home is a dream and in 2021 an easy home loan availability can make this dream a reality. In fact, purchasing own house is also one of the best investments in life. And competitive-interest rates, easy EMIs and quick loan processes have been encouraging more people to buy a house than ever before.

Nonetheless, purchasing a home needs a lot of research and planning like your preferred location and the selection of the best financial institutions that not only give you a best-interest home loan but also provides customised home loans as per your requirement. Aavas Financiers Ltd. is one of those best home loan financial institutions that provide an affordable housing loan. Besides that, it also offers a number of other benefits like speedy approval, easy process, flexible long tenure, competitive interest rates, easy EMI along with minimum paperwork, and fast online services.

Features of Aavas Home Purchase Loan

  • We offer purchase loan for flat, house or bungalow from builders or Development Authorities as well as resale properties
  • Loan amounts starting Rs 1 Lakh
  • Attractive interest rates
  • Tenure of up to
    • 30 years for salaried customers (from government/ PSU/ Private sector)
    • 25 years for other salaried customers
    • 20 years for self-employed customers.
  • We are a perfect partner for your preferred property, which may be:
    • Development Authority
    • RERA Approved Flats
    • Municipal Corporation/Nagar Palika
    • Freehold
    • Gram Panchayat
  • Integrated branch network that facilitates loan servicing at a branch convenient to you.

Aavas Home Loan Benefits-

  • Home loans can be applied online in a few steps
  • Attractive interest rates
  • Housing loans for purchasing property from different authorities
  • Doorstep guidance from our executives

Eligibility Criteria For Home Loan

Anyone fulfilling the below criteria is eligible for a home loan from Aavas.

Nationality Resident of India
Maximum Loan Tenure 30 Yrs
Employment Salaried or Self-employed
Work Experience 1 Years or more

Home loan eligibility depends on factors like age, Income, Tenure and CIBIL score. Check your loan eligibility with the help of our easy to use Home loan eligibility calculator.

Documents Required For Home Loan

Application form

Duly filled by the applicant along with 2 passport size photos

Proof of identification

Driving license, Voter id card, PAN card, Aadhar card, Passport

Age proof

Driving license, Voter id card, PAN card, Aadhar card, Passport, Class 10th marksheet, Birth certificate

Residence proof

Driving license, Voter id card, PAN card, Aadhar card, Passport, Bank passbook, utility bills

Income statement

Bank passbook, IT returns of last 3 years, Payslip of last 2 months, Certified letter from the employer, Form 16

Property papers

Original documents against which the loan is to be taken

To get more details about the Documents Required for Home Loan Click Here


Aavas Home Loan
Clients Experience:

Before Aavas empowered us to purchase a good home, we used to live in a one-room house at the community which wasn't conducive to the overall growth of the kids. In fact, even our friends and relatives very reluctant to come and stay with us. Now I have a 2 BHK home, where my kids can study without disturbance, they have ample place to play in the neighbourhood. And now even friends visit us more often. Thanks Aavas for giving us the home loan.

- Rahul from Gujarat

Some Interesting Facts on Home Loan

  • As many as 52.53% of total applicants were for a home loan with Aavas in the last 30 days.
  • Rajasthan has witnessed a notable hike in the number of people looking for a housing loan.
  • Applicants with the avg. age of 41 years were the most active age group to apply for a home loan.
  • 20.61% of home loan applicants were women, who want to have their first home.
Need Assistance?

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Frequently Asked Questions (FAQs) for Home Loan

A home loan is an amount borrowed from any organization for the purpose of purchasing a home.

An individual can get a home loan after following 4 easy steps-

  • Fill up the application form
  • Submit the required documents such as land documents, age and residence proof and income details.
  • On successful submission of the application, deposit the processing fee
  • After loan approval, you will get the required home loan.

Please refer to our Home loan EMI calculator, which helps you to calculate EMI online.

It depends on your earnings and credit history. The more is your yearly earning the more home loan you can get and if you have a good credit history; it will be easy to get the required loan from a bank.

Applicant with a housing loan can get benefits and exemptions in income tax under Section 24 or Section 80C of the Income Tax Act. You can get Rs. 2, 00,000/ under section 24 for interest amount paid and up-to Rs. 1, 50,000/ for principal amount paid in one financial year.

The following factors affect the home loan eligibility-

  • Age
  • Income
  • Tenure
  • Credit score
  • Existing Obligations

Home loan repayment starts after the construction of home has been started or within one month of loan amount disbursal.


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