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Aditya Birla Finance Limited (ABFL)

DHFL

DHFL has been assigned a rating ‘CARE AAA (Triple A)’ by CARE and ‘BWR AAA’ by Brickworks for various secured long term debt instruments.

About Home Loan

If you can dream it, you can own it! Everything you need to know to avail of a home loan is right here. You can be assured of fair terms, total transparency and flexibility. We believe that when it comes to owning a home, nothing should come in the way.

DHFL gives different types of home loans for example:

• Home Improvement Loans

• Home Construction Loans

• Home Extension Loans

• Home Loans for Self Employed

• Plot Loan/ Land Loan

• Home Loan Balance Transfer

• Plot & Construction Composite Loan

Eligibility Criteria

    The actual Home Loan amount is determined taking into various account factors such as:

    • Repayment Capacity
    • Age
    • Educational qualifications
    • Stability and continuity of income
    • Number of dependents
    • Co-applicant’s income
    • Assets
    • Liabilities
    • Saving habits, and more

Documents Required

  • Duly signed and filled application form
  • Passport-size photograph
  • Statements of investments, if any
  • Copy of plan approved for the proposed construction/extension
  • Cost estimation or valuation report from the bank's (or finance company's) panel CA
  • Allotment letter of housing board/NOC of the society/builder etc.
  • Bank statement and salary slips

      In addition to these, you will have to also submit the following documents:

  • Identity and signature proof- Passport, Pan card, Driving License, Voter ID card, Aadhar card, employee identity card in case of government employees.
  • Address Proof- Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/electricity/water/credit card bill or Property tax.
  • Age Proof- Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport, Aadhar Card, pension payment order or receipt of LIC policy.

Do’s and Dont’s

Do’s

  • Make your mortgage or rent payments on time
  • Stay current on all existing accounts
  • Continue to work for the same employer
  • Continue living at your current residence
  • Keep credit card balances at or below 40% of credit limits
  • Call us before doing anything regarding your employment, credit cards or assets.

 

Don'ts

  • Don’t make a major purchase (car, boat, etc.)
  • Don’t apply for new credit or loans of any kind
  • Don’t change bank accounts or banks unless advised
  • Don’t consolidate your debt into fewer accounts
  • Don’t Deposit cash or non-traceable funds
  • Don’t close credit card accounts
  • Don’t borrow money
  • Don’t transfer checking or savings balances from one account to another
APPLY

About Loan against property

Don’t let your valuable property sit idle. Let it work for you. Get a loan against property you own, through DHFL’s Loan against Property product and use it for any purpose you need: acquiring an asset, business needs, etc.

Eligibility Criteria

    • Property Value
    • Repayment Capacity
    • Assets
    • Liabilities
    • Age
    • Legal & Technical Clearance of Property Title

    The above criteria are subject to change from time to time at the sole discretion of DHFL.

Documents Required

  • Know Your Customer (KYC) documents are required for initiating the process. Based on the product selected, the other requirements are communicated by a company executive during a personal visit. Other than this the basic documents as per RBI guidelines are required.

Do’s and Dont’s

Do’s

  • Make your mortgage or rent payments on time
  • Stay current on all existing accounts
  • Continue to work for the same employer
  • Continue living at your current residence
  • Keep credit card balances at or below 40% of credit limits
  • Call us before doing anything regarding your employment, credit cards or assets.

Don'ts

  • Don’t make a major purchase (car, boat, etc.)
  • Don’t apply for new credit or loans of any kind
  • Don’t change bank accounts or banks unless advised
  • Don’t consolidate your debt into fewer accounts
  • Don’t Deposit cash or non-traceable funds
  • Don’t close credit card accounts
  • Don’t borrow money
APPLY

About Business Loan

For all your business needs there is a simple solution – DHFL SME Unsecured Business Loan

Eligibility Criteria

    • Self Employed Customers
    • Doctors
    • Entities-
      • Proprietorship
      • Partnerships
      • Limited Liability Partnership
      • Private Limited Company
      • Limited Company

Documents Required

List of Documents required for Proprietorship

  • KYC Documents of promoter and co-applicants
  • Shop and establishment certificate/VAT/Sales Tax Registration Certificate
  • PAN Card
  • Last 2 years financials with audit report
  • Last 6 months Bank statement of all bank accounts
  • Existing facility sanction letter/ Repayment Track Record (RTR) of existing loan, if any
  • Proforma invoice of machinery, in case of Plant & Machinery Loans
  • Property Documents in case of Property Term Loans

Note: Original documents are required for verification purpose only

List of Documents required for Partnership Firms

  • Registered partnership deed
  • KYC of partners
  • PAN Card of firm and partners
  • Shop and establishment / VAT/ Sales Tax Registration Certificate
  • Last 2 years financials with audit report
  • Last 6 months Bank statement of all bank accounts
  • Existing facility sanction letter/ Repayment Track Record (RTR) of existing loan, if any
  • Proforma invoice of machinery, in case of Plant & Machinery Loans
  • Property Documents in case of Property Term Loans

Note: Original documents are required for verification purpose only

List of Documents required for Companies

  • Memorandum of Association(MOA) / Articles of Association(AOA)
  • Latest shareholding pattern
  • KYC of Directors
  • PAN Card of the entity and Directors
  • Last 2 years financials with audit report
  • Last 6 months Bank statement of all bank accounts
  • Existing facility sanction letter/ Repayment Track Record (RTR) of existing loan, if any
  • Proforma invoice of machinery, in case of Plant & Machinery Loans
  • Property Documents in case of Property Term Loans

Note: Original documents are required for verification purpose only

List of Documents required for Listed Companies

  • Memorandum of Association(MOA) / Articles of Association(AOA)
  • Latest shareholding pattern
  • KYC of Directors
  • PAN Card of the Company and Directors
  • Last 2 years financials with audit report
  • Last 6 months Bank statement of all bank accounts
  • Existing facility sanction letter/ Repayment Track Record (RTR) of existing loan, if any
  • Proforma invoice of machinery, in case of Plant & Machinery Loans
  • Property Documents in case of Property Term Loans
  • Declaration that borrower, Company or any of its Directors have not been debarred / blacklisted / penalized by any Stock Exchanges / SEBI/ RBI. Declaration that the proposed borrowing is within the limits prescribed u/s 293(1)(d) of the Companies Act, 1956.

Note: Original documents are required for verification purpose only

Do’s and Dont’s

Do’s

  • Make your mortgage or rent payments on time
  • Stay current on all existing accounts
  • Continue to work for the same employer
  • Continue living at your current residence
  • Keep credit card balances at or below 40% of credit limits
  • Call us before doing anything regarding your employment, credit cards or assets.

 

Don'ts

  • Don’t make a major purchase (car, boat, etc.)
  • Don’t apply for new credit or loans of any kind
  • Don’t change bank accounts or banks unless advised
  • Don’t consolidate your debt into fewer accounts
  • Don’t Deposit cash or non-traceable funds
  • Don’t close credit card accounts
  • Don’t borrow money
  • Don’t transfer checking or savings balances from one account to another

 

 

APPLY