सामान्य जनतेसाठी गृहकर्ज

To fulfil your dream of a new home, MGB provides Home Loans at very attractive rates. Moreover MGB offers loans for Purchase/Construction/Renovation of house/Flat.

Purpose
  • Construction of House with or without plot purchase
  • Purchase of readymade house/flat
  • Purchase of under construction house/flat
  • Additional Construction
  • Takeover of existing housing loan
  • Top-up for exisiting housing loan borrowers (General Purpose/Repair or Renovation)
Age
  • At entry minimum age of borrower must be 21 yeas and maximum to 60 years for salaried, 70 years for pensioner and 65 years for businessman and self employed professionals.
  • Loan to be repaid by age of 75 years.
    Eligibility

    For Salaried borrowers:

    • For salaried, with a permanent job for the minimum period of 1 year in current organization or having total job history of atleast 2 years
    • Businessman and self employed professionals having two years of standing
    Limit 

    Lowest of A/B/C:

    A) 90% of the Project Cost

    B)  Maximum 20 lakh for rural area and 40 lakh for semi-urban area. (No limit for urban area)

    C) Maximum up to 90% of the Value of House Property

    Margin: 25 % of the total cost

    Security

    Registered mortgage of proposed house property

    Repayment

    Maximum 30 years or till the borrower reaching the age of 75 years, which ever is earlier.

    Interest Rates
    • Starting from 8.50% based on CIBIL score
    Documents
    • Application RF-45
    • Receipts F-260
    • Term loan agreement 245 B
    • Guarantee RF-154 A
    • Mortgage of plot / House
    • *For latest details please contact our nearest branch
    Deduction Criteria, if any
    1. Gross annual Salary/income less than 3 lakh: 50% of gross income
    2. Gross annual Salary/income 3 lakh & above but less than 6 lakh: 60% of gross income
    3. Gross annual Salary/income 6 lakh & above but less than 12 lakh: 65% of gross income
    4. Gross annual Salary/income 12 lakh & above but less than 24 lakh: 70% of gross income
    5. Gross annual Salary/income 24 lakh & above but less than 60 lakh: 75% of gross income
    6. Above Rs 60 Lakh: 80& of gross income
    Fees
    • Processing fees: 0.25% + GST
    • Documentation charges: 0.20% + GST
    • Inspection Charges: NA

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