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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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