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Deposit products offered by APGVB:

House Building Loans to Public

Purpose

a) Purchase / construction of new/old house/flat.
b) Repairing/renovating an existing house/flat.
c) Furnishing the house/consumer durables as a part of project cost.
d) Take over of loans from other banks subject to conditions.

Eligibility

Individuals

Loan amount

Repairs /renovation 2 lakhs.
For furnishings consumer durables and 3 lakhs or 10 % of the project cost.

Borrowers

Up to 45 years of Age

Over 45 years Age

Salaried employees

60 times of NMI

48 times of NMI

Margins

Loans up to 8 lakhs 15 %
Loans above 8 lakhs 25 %
Repairs or renovation of existing house 20 %

ROI

See Interest rates on loans.

Processing fee

See service charges

Repayment

Age up to 45 years: 15 years::
Age above 45 years: 10 years

Security:

Equitable Mortgage / Registered Mortgage of proposed property.

Papers / Documents required

a) Application Form
b) Proof of Identity (Voters ID card/Passport/Driving License/ PAN Card)
c) Proof of Residence (Telephone Bills/Elect. Bill / Property Tax receipt)
d) Latest Salary Certificate
e) Form 16 or IT Returns for last two years
f) Statement of Bank Account / Pass Book for last six months
g) Copy of Approved Plan
h) EC / Legal Opinion / Search Report
i) Letter of Allotment/NOC under ULC.

j) Valuation/Estimation by approved valuer.

K)Approved Layout plan.

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