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Home Loan For Salaried Employees

Owning a home is a dream for many people. They put in years of hard work and dedication to save up the finances required to buy a home. However, this may not be possible for all individuals across different income levels. This is where a home loan for salaried employees can be helpful.

At Aadhar, we are cognizant of this and aim to help you fulfil your dreams. We have curated tailor-made home loan solutions to meet your unique needs and requirements. With Aadhar's home loan for salaried employees, people across different pay grades and sectors can get a home loan. The monthly salary eligibility to avail of the scheme starts at ₹10,000 per month.

You can avail of an Aadhar Home Loan up to ₹1 Crore. However, the loan amount cannot exceed 80% of the Property’s registered cost or 80%* of Market Value of the property (75% in case the loan amount exceeds ₹75 Lac), whichever is lower. 

The loan amount that you can avail of is being determined after a thorough assessment of your requirements and is decided based on factors such as the following:

  • Age
  • Continuity and stability of income
  • Educational background
  • Number of dependents in the family
  • Income of the co-applicant’s income 
  • Liabilities
  • Assets
  • Saving habits

Our loan eligibility calculator provides users with a rough estimate of the amount of money they are likely to be sanctioned.

Max loan tenure for Bank Salaried is 30 years and for Cash Salaried is 20 years, subject to retirement age. 

Equated Monthly Instalments (EMI) is the amount that is payable to Aadhar Housing Finance Limited on a monthly basis until the loan amount is paid back. It is repaid in order to close the loan and depends on interest rate, credit score, tenure, and others. Use our EMI calculator and enter your loan amount, tenure, and interest rate to calculate the monthly EMI to be paid.

To calculate the indicative EMI on your home loan you can use our EMI calculator

Individuals who refuse to avail large loans early in their career worry about being in debt for the rest of their lives. Aadhar Housing Finance Limited offers Home loans that can be availed individually or jointly. You can share the burden of a home loan with co-applicants who may or may not be a co-owner of the property. Immediate family members such as parents, children, or the spouse can also apply to be co-applicants.*

With these benefits and schemes tailored to suit your unique needs, Aadhar Housing Finance’s home loan gives salaried employees the freedom they need to take the step towards becoming homeowners.

For more information, please click on "Apply for Loan" and provide your details. An Aadhar Housing Finance representative will get in touch with you shortly. You can also visit us at the nearest Aadhar Housing Finance Limited branch. Click here to get a list of all the Aadhar Housing Finance Limited branches.

For list of required documents, please Click here

*Terms & Conditions apply. Credit is to be extended at the sole discretion of Aadhar Housing Finance Ltd.