With women recognising their true potential and becoming financially independent, they are now weighing in on major life decisions, such as purchasing a house or investing in properties. This has led various lending institutions to come up with exclusive Home Loans for women offering a host of benefits for women homebuyers. Read on to learn about the top Home Loan benefits for women.
Home Loan Benefits for Women in India
Banks and financial institutions in India offer various schemes and exclusive Home Loan benefits for women to encourage them to invest in assets. Here is a look at the top ones –
1. Preferential Home Loan Interest Rate
Some lenders may offer relatively cheaper Home Loan interest rates. While the subsidized rate of interest may not be significantly lower than the regular Home Loan, however, even a slight difference may affect the overall monthly instalments, making it easier and more convenient for women to repay the loan amount.
2. Home Loan Tax Benefits
Lenders also offer income tax rebates for women on Home Loan repayments. As per the Income Tax Act Section 80C and Section 24, a maximum amount of Rs.1..5 Lakh and Rs.2 Lakh are deductible on principal amount and interest repayment respectively. Besides, if the woman is married, both partners having their sources of income and co-ownership of the property are eligible for tax deductions.
3. Reduced Stamp Duty
The government charges 1-2% lesser stamp duty on Home Loan for women than for male counterparts in certain states. Although the rate may seem nominal, it accounts for a substantial amount considering the total property cost.
4. Repayment Tenor
One of the many Home Loan benefits for ladies is the longer repayment tenor. An extended loan tenor of up to 40 years offers a fairer chance of repayment as it lowers the Home Loan EMIs, making it easier for women to settle the entire amount while taking care of other commitments.
5. Higher Loan Amount
With lending institutions increasing sanctions to attract female homebuyers, women can get a sizeable loan amount to purchase a property. This combined with simpler home loan eligibility makes it easier for women to apply for a Home Loan. For instance, some of the best Home Loan providers require citizens to be between 23 and 75 years** of age with 3+ years of work experience to be able to get a Home Loan in India.
Home Loan Eligibility Criteria for Women
The eligibility criteria for women to avail of a Home Loan in India are much simpler. Most financial institutions have the following set of parameters to determine the eligibility of first-time female borrowers –
Parameters | Eligibility Criteria |
---|---|
Nationality | Indian |
Age | Salaried Borrowers: 23-75 years** Self-employed Borrowers: 25-70 years** |
Employment Status | Salaried Borrowers: Minimum 3 years of work experience in the public/private sectors or MNCs Self-employed Borrowers: Minimum 5 years of business continuity |
CIBIL Score | 750+ |
**The upper age limit is considered as age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
Documents Required to Avail of Home Loan for Women
One of the most important aspects of applying for a housing loan is the documentation process. While the tedious paperwork may seem dreadful to many, the documentation process can be a lot more hassle-free provided the above eligibility criteria are met. The following set of documents are required to avail a Home Loan in India –
- Mandatory documents such as PAN card or Form 60
- ID Proof – PAN card, Aadhaar Card, Driving License, Passport, Voter’s ID
- Residential Proof – Aadhaar Card, Ration Card, Passport, Utility Bills etc.
- Proof of Income – Salary slip of last 6 months, bank account statement of last 3 months, Income Tax Returns
- Passport-sized photographs
Note: Additional documents might be required during loan processing.
How to Avail of Home Loan for Women
The steps to apply for a Home Loan for women are simple and straightforward. The easiest and most convenient way to apply is to go online as it speeds up the entire process. One can apply for a Home Loan online by visiting their preferred lender's official website and fill the online Home Loan application form. Alternatively, they and also visit the lender's nearest branch and apply for a Home Loan.
It is advisable to use the online Home Loan EMI Calculator to assess the best suited loan amount and repayment tenor before applying for a Home Loan.
Conclusion
Women taking on property and financial decisions has led various financial providers to offer a great number of Home Loan benefits for ladies. A more competitive Home Loan interest rates, income tax rebates, higher loan amount and repayment tenor, are among the top advantages of availing of a housing loan. For first-time homebuyers, additional and exciting features are offered as well. Check out the eligibility criteria and documents needed for loan buyers before applying online.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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How to Connect with Bajaj Housing Customer Care2023-06-27 | 5 Min
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How to Access Your Login Details in Bajaj Customer Portal?2024-02-02 | 5 min
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Home Loan Burden Management: Five Tips2022-06-27 | 3 min
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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Difference Between Co-owner, Co-borrower, Co-Applicant, and Co-Signer in Home Loan2023-08-31 | 6 min
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 min
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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Benefits of a Home Loan2023-02-20 | 4 min
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Is It Mandatory to Take Insurance with a Home Loan?2023-08-01 | 5 min
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Secured vs Unsecured Loan - Know the Difference2023-08-24 | 2 min
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How to Choose the Best Home Loan?2023-08-09 | 4 min
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Difference Between Bank Rate and Repo Rate2023-09-22 | 5 min
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Increase or Decrease Effects of Repo Rate2023-08-29 | 7 min
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Understanding the Benefits of a Home Loan EMI Calculator2023-07-12 | 5 min
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Tips to Avoid Rejection of Your Home Loan Application2023-08-01 | 3 min
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Check Housing Loan Eligibility with Home Loan Eligibility Calculator2023-07-12 | 5 min
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Tips to Get Home Loan with Minimum Down Payment in India2023-07-11 | 5 min
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Factors That Determine Your Home Loan Eligibility2023-07-24 | 8 min
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Differences Between Repo Rate and Monetary Policy Tools2023-07-28 | 5 min
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What Happens to a Home Loan in the Case of the Borrower's Death?2023-04-17 | 4 min
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Taking a Home Loan to Buy a Property for Investment? Here Are 5 Points to Consider2023-04-17 | 5 min
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Know All About the HRA Benefit on Payment of House Rent2023-04-03 | 6 min
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A Guide to Statutory Liquidity Ratio2023-02-22 | 5 min
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Get Your Down Payment Funds Ready with These 5 Easy Steps2023-03-20 | 5 min
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5 Strategies to Manage High Home Loan EMIs Effectively2023-02-22 | 6 min
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Why Is Credit Score Important for Home Loan Lenders?2023-03-21 | 5 min
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Importance Of a Good Credit Score in The Home Loan Process2023-03-20 | 4 min
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Home Loan EMI Calculator Benefits and It’s Features2023-02-21 | 4 min
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4 Key Benefits of Home Loan Balance Transfer to Bajaj Housing Finance Limited2023-01-09 | 5 min
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Five Important Factors to Keep in Mind When Prepaying Your Home Loan2023-01-17 | 6 min
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A Step-by-Step Guide to Home Loan Balance Transfer Application2022-12-20 | 6 min
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Factors to Consider Before Opting for Home Loan Balance Transfer2022-12-14 | 5 min
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Top Things to Keep Track of While Doing a Home Loan Balance Transfer2022-12-18 | 7 min
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Smart Things to Consider Before You Apply for a Home Loan2022-12-14 | 5 min
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Factors to Consider Before Applying for a Home Construction Loan2022-12-02 | 5 min
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6 Point Differentiation Between Home Loan Vs Home Construction Loan2023-02-15 | 6 min
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Which is the Best Option: Land Purchase Loan or Home Loan?2023-02-01 | 6 min
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10 Reasons Why a Housing Loan Application May Be Rejected2023-02-20 | 3 min
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Why Should You Choose a Balance Transfer on Your Home Loan?2023-02-01 | 4 min
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What Factors Decide Your Home Loan Interest Rates?2023-05-29 | 6 min
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The Importance of a Home Loan NOC2023-01-31 | 7 min
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Five Tips to Choose the Right Digital Platform for Home Loans2023-02-09 | 3 min
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[N][T][T]Types[S]of[S]Home[S]Loans[S]Available[S]in[S]India[N][T]
Types of Home Loans Available in India2022-06-28 | 5 Min
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How to Pick the Best Home Loan Tenor that Suits Your Budget