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Home » Aadhar Housing Loan Against Property: An Easy Option to Own a Home Within 2024

Aadhar Housing Loan Against Property: An Easy Option to Own a Home Within 2024

Are you trying to find a flexible and affordable financing option? Your aspirations might come true with the help of a loan against property. Use the value of your property to get the financial independence you need for anything you require, whether it’s growing your business, paying for your child’s school, remodelling your house, or reaching any other goal.

Aadhar Housing Finance Ltd. is a housing finance firm that takes pleasure in offering appealing financing solutions to individuals from all walks of life to help them achieve their goals.

Are you looking for a flexible and inexpensive monetary support option? A loan against property may help you achieve your goals. Use the market value of your property to gain the financial autonomy you need for whatever it is, whether it’s expanding the operations of your company, paying for your child’s education, upgrading your home, or achieving something else.

The unexpected need for money is often natural, whether on a professional or personal level. A loan against property is your absolute best alternative for immediate financing.

Advantages of the Aadhar Housing Loan Against Property


The main features of an Aadhar housing loan against Property are listed below.

  • The loan might be requested either singly or jointly.
  • One can get upto 70 Lakhs as a home loan from Aadhar Housing Finance Limited.
  • The Pradhan Mantri Awas Yojna provides applicants with house loan subsidies.
  • Applicants are allowed to select credit terms of up to 15 years.
  • These financial products are open to people in the private sector, third and fourth-grade government personnel, teachers, and police officers, among others.
  • Self-employed individuals can take out this loan.
  • Individuals with Low CIBIL Scores, minimum 600+, can get this loan. People with minus 1 CIBIL Can also apply for it.
  • You can get this financial assistance without proof of income if you apply through Refer Loan.

Aadhar Housing Loan Against Property Highlights

Loan AmountRs. 5.00 Lacs -1.00 Crore
ROI12.50% Onwards
Loan TenureUpto 15 Years
Login FeeRs.4130.00+
Processing Fee1.50% -3% + GST
Part PaymentAllowed
Accepted Collateral
  • Residential Property
  • Commercial Property
  • Residential/Commercial Plot
  • Khasra-Khatauni Property
  • Lal Dora Property
  • Un-approved Property
  • Gram Panchayat Property
  • Legal & technical not clear
  • Bachha Flat
  • Basement with 1st Floor
  • Subdivided Property
  • Without MAP Property
  • Subject to Sale Deed
  • Regularized Colony
  • Stone Slab Property
  • Ground+5th Floor
  • Multi Tenanted unit upto 10 Tenant
Applicant AgeSalaried – 21 -65 Years

Self-Employed – 23-70 Years

Additional BenefitFunding on Ground+5th Floor too without MAP.

Required Documents to Apply for Aadhar Housing Loan Against Property

DocumentSalaried IndividualSelf-Employed Person
KYC of Applicant & Co-Applicant✔️✔️
Last 3 Months Salary Slip✔️
Last 12 month Bank Statement✔️✔️
Last 3 year ITR with Computation✔️✔️
Last 2 Year Form 16✔️
26AS of last 2 years✔️✔️
Appointment Letter (if available)✔️
Agreement to Sale (for purchase case)✔️✔️
Property Paper with chain of last 13 years✔️✔️
LOD, Foreclosure Statement & SOA (for BT case)✔️✔️
Sanction Letter of all running loans✔️✔️
Latest Utility Bill (residence/rent agreement)✔️✔️
References with Contact Details✔️✔️
Last 3 year Audited Balance Sheet✔️
Last 3 year Tax Audit Report✔️
Copy of GST Registration✔️
Copy of MSME Registration✔️
Last 12 month GST Return✔️
Debt Sheet✔️
Latest Utility Bill (office/rent agreement)✔️
Last 3 year Debtors & Creditors✔️
List of Directors & Shareholders (if company) or List of Partners (if partnership firm/LLP)✔️

Who Can Apply for an Aadhar Housing Loan Against Property?

The requirements and eligibility conditions for Aadhar Housing loans are as follows:

  • Both salaried and self-employed individuals are eligible for this loan.
  • Employees who are salaried need to be at least 65 years old or younger at the completion of their loan repayment tenure.
  • Self-employed candidates are required to be 70 years of age or younger at the completion of their loan payback tenure.

How to Apply For an Aadhar Housing Loan Against Property?

If you’re looking for a home loan, against your property, follow the instructions below:

  • Open https://referloan.in/.
  • Navigate to the “loan” option.
  • Select Aadhar Housing Loan Against Property
  • If you’re an existing client, complete the form. New people must first register before submitting their application form.
  • Enter all of the information along with the mobile phone or email for OTP authentication.
  • Bring in your earnings and KYC information.
  • Choose your loan size.
  • Attach all relevant papers.
  • Send your application form.
  • Await for a reply from Refer Loan.

How to Reach Aadhar Housing Finance Limited?

A person who borrows may have some personal interest in the confusing process of borrowing against property. Aadhar Housing Loan support experts can help you fix any issues with your Aadhar Housing LAP swiftly and easily. Borrowers can contact customer service using the details provided below.

For new home loan inquiries, call 8888899953.

For Existing Customers: 180030042020.

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