Home Loan Gaya

Feature	Union Bank of India	Central Bank of India	Canara Bank
Interest Rate	6.7% - 7.15%	6.85% - 7.30%	6.90% - 8.9%
EMI/Lakh	Rs. 648	Rs. 655	Rs. 657
Max Loan Amt	Upto 10 Cr.	Upto 10 Cr.	Upto 10 Cr.
Loan Tenure	Upto 30 years	Upto 30 years	Upto 30 years
Processing Fee	0.50% of loan amount + GST	0.50% of loan amount + GST	0.50% of loan amount + GST
Preclosure Charges	No prepayment charges for floating rates	No prepayment charges for floating rates	No prepayment charges for floating rates

Home Loan Gaya Features

Buying a house? You can apply for a Home Loan to cover up to 90% of the purchasing expenses in Gaya!

Basically, a home loan is a loan that is taken to either buy or to construct a new home. Here, the property for which the loan is taken is not supported by the loan candidate.

A home loan is not only fit for buying a home or constructing one but also the candidate who is taking the loan can use various schemes for a home loan offered by the bank for extensions, plot purchase, improvement, and many other matters related to home property.

The loan is available on:

• New flat,
• Ready to Move-in House,
•  Plot From MHADA, DDA, etc.,
• Home construction,
• Home extension,
• Home renovation,

Home Loans beneath the Pradhan Mantri Awas Yojana are also available in Gaya. Find more information on Eligibility below or by visiting Dialabank online.

Home Loan Gaya Interest Rates

Top 10 banks offering the lowest home loan interest rates for salaried individuals

Bank Name	RLLR	Minimum Home Loan Rate Interest Rate (%)	Maximum Home Loan Rate Interest Rate (%)
Union Bank of India	6.8	6.7	7.15
Bank of India	6.85	6.85	7.15
Central Bank of India	6.85	6.85	7.3
Canara Bank	6.9	6.9	8.9
Punjab & Sind Bank	6.9	6.9	7.25
Private Bank	6.95	6.95	7.95
SBI Term Loan	6.65	6.95	7.45
Bank of Baroda	7	7	8.35
IDFC First Bank	7	7	8
Bank of Maharashtra	7.05	7.05	8.35
HDFC Bank	6.95	6.95	8.2

Home Loan Gaya Documents Required

Salaried Individual:

Valid ID and Residence Proof: Copy of – Identity Proof and Residence such as Aadhaar, PAN, Driving License,       Passport, Voter ID, etc.

Income Proof:

• Bank Statements showing salary credits of atleast from the last 6 months.
• Latest Salary Slips of least 3 months.
• Latest approved Form-16 plus IT returns.
  
• Employment Contract or Appointment Letter if the current employment is less than a year  old.

Property Related Documents:

• A cheque for  processing fee favouring ‘The Particular Bank’ in it.
  
• Buyer Agreement/Allotment Letter’s copy.
  
• Receipt/(s) of return/(s) made.

Self Employed Individual:

Valid ID and Residence Proof that are: A copy of Proof of Identity and Residence such as Aadhaar card, PAN card, Driving License, Passport, Voter ID, etc. before the date of expiration.

Income Proof:

• Bank  Statements conferring salary credits from the last 6 months.
• Business Form and Previous three years Income Tax returns (for both self and business)
• Previous three years Profit/Loss Account and Balance Sheet issued.

Proof Of Business: 

• Educational Qualifications Certificates
• Business achievements (Certificate or awards if any)

Property Related Documents:

• A cheque for processing fee favouring a Particular Bank.
• Copy of- Buyers Agreement or Allotment Letter 
• Receipt/(s) of payment/(s) named to the developer

Agriculturists:

KYC Proof – Mandatory: PAN Card  and any of  Driving License/Voter ID/Passport

Income Proof:

• Bank Statements that are showing  salary credits from the last 6 months.
• Images of title documents of agricultural  Land showing crops being cultivated.

Property Related Documents:

• A cheque for the processing fee favouring ‘The Particular Bank.’
• Copy of both the Allotment Letter  /  Buyer Agreement
• Receipt/(s) of payment/(s) made to the developer

Additional requirements for Co-applicants:

Passport measurement photo of all co-applicants to be attached on the Application Form and approved across

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Home Loan Gaya Eligibility Criteria 

Salaried Individual:

1. The applicant’s should be Indian citizen.
2. The applicant be between the age group of (Minimum) 18 years   to   (Maximum) 65 years.
3. Must have working experience and a true source of salary i.e operating under the same employer for at least one year.

Self Employed Individual:

Applicants who are not professionally involved in the working sector but have their own source of steady income are also eligible for the Home Loan. This includes:

• Traders
• Commission agent
• Contractors

The following are the criteria that must be met to apply for a home loan:

1. The applicant  within the age group of (Minimum) 18 years to (Maximum) 65 years.
2. Must have working skill and a legitimate source of salary i.e serving under the same employer for at least one year.

Self Employed Professionals:

Applicants who are engaged professionally in the working sector are also eligible for the Home Loan in Gaya. This includes:

• Doctors
• Lawyers
• Charted Accountant
• Architect
• Consultant
• Engineer
• Company Secretary

The following criteria are must that be met to apply for a home loan:

1. The applicant’s nationality should be Indian origin.
2. The applicant be between the age group of (Minimum) 18 years to (Maximum) 65 years.

Additional Criteria for Co-applicants:

• Co-applicant need to be a family member of the initial applicant.
• All co-applicants are not expected to be the co-owners of the property.

Please find more information on Qualification by visiting DialaBank online.

Apply for Home Loan

How To Apply For Home Loan Gaya

• Visit  Dialabank for a  Home Loan.
• Go to the specific city Home Loan page on Dialabank.
• Check out all the eligibility and documents required criteria for a Home Loan.
• Fill out all the details required in the Home Loan Gaya application form.
• Once completed with this, our representative will soon contact you for a further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Gaya

Particulars	Charges
Processing Fees	Salaried Individuals: 0.50% of the loan amount or Rs. 3,000, whichever is higher Self Employed Professionals: 0.50% of the loan amount or Rs. 3,000, whichever is higher Self Employed Non-Professionals: Up to 1.50% of the loan amount or Rs. 4,500, whichever is higher
Prepayment charges	No prepayment charges for floating rates

Home Loan EMI Calculator Gaya

CIBIL Score Required For Home Loan Gaya

CIBIL score of a minimum of 750 or above is regarded by most banks and financial institutions for a home loan. However, many banks can also accept a loan with a CIBIL score between 650 to 750 if the applicant is one of their old consumers or has a good connection with the institute. In this case, the bank may charge slightly higher interest on the loan.

Keeping a good CIBIL score is a good job as every financial institution strictly examine the detailed behaviour of the previous loans taken. This recounts details on the type of loan obtained and the loan sum you have borrowed. Any late amounts for past loans can act as a hindrance to availing of a fresh loan.

Check your CIBIL score in your credit report for added information on the score.

Home Loan Gaya Agent / Broker

One of the main and best agents of Home Loan Gaya is Dialabank. Having vast exposure in the field put us to an advantage. Dialabank has managed with thousands of loan seekers and has successfully delivered what is agreed upon!

You can visit Dialabank online for learning on Home Loan.

Home Loan Gaya Contact Number

You can contact Dialabank by dialling on 9878981166 to get more information about home loans and we will provide you the best advice to help you fulfil your dreams.

Pre Calculated EMI Table for Home Loan Gaya

About Gaya

Gaya is the capital of Bihar, India. This Place is blessed by Hindu and Buddhist religions. It is famous for Jama Masjid which is the largest mosque in the state of Bihar. It is significant to Hindus from the point of view of salvation to the souls of ancestors. Gaya is surrounded by small rocky hills on three sides and the river flowing on the fourth side.    

Get Home Loan Gaya information on Dialabank online!