Transparency

Absolutely, transparency is the most important facet of Agrim, The sanction letters both in principle and final shall be sent to your registered mobile number through our app on payment of fees.

We have tried to make it quite simple, you don’t need to visit our office or check with your consultant, all you need is a smartphone, every stage of your application is updated.

NO, your payments towards fees, part payments, closure charges have to be paid electronically or by cheque only in favor of Agrim Housing Finance Pvt Ltd. Apart from fees taken in the name of Agrim Housing Finance as per the MITC document, we or our representatives do not charge any processing charges.

Technology for ease of doing business

No, we at Agrim believe in using the technology to provide the best-in-class service to our customers and partners.

Just give us a missed call on our authorized WhatsApp no, we will share the link. You may also download using the play store.

The Agrim Mobile App will act as your virtual relationship manager, your interest certificate requests, part payment of loans. This will also have the details of your loan agreement, sanction letter in soft copy.

Speedy Approval

Our process is quite easy and transparent; all you need to do is provide your mobile no and name and our authorized representative will get in touch with you to take your journey forward.

All you need to do is upload your latest bank statements as per norms, take a picture of the property, our team will get in touch with you to take your request forward.

Convenience thru Clubbing of Income

Yes, we can! We can consider the income of all the immediate family members as per our credit norms.

We can consider the Incomes of the immediate family if they are also part of property ownership. Immediate family is defined as parents, wife, kids.

We could look at up to the retirement age, which is 58, 60, or earlier as per the job profile and your employment conditions.

We can consider pension income up to the age of 65 years if the same is getting reflected in the bank statement on a monthly basis.

We can consider if both the brothers are also going to be the property owners and they are staying together.

Doorstep service

Accordion SamAll you need to do is give us a missed call on our registered WhatsApp no, provide your contact details on the website to call back, meet our team members at Agrim HUBs. Our contact numbers are as follows: WhatsApp no: SMS AGRIM: Request a call back:ple Description

Loan Amount

The maximum loan amount that Agrim can consider is INR 25 lacs, subject to income and credit parameters and sanction conditions.

The minimum loan amount in case of a home loan is 2 lacs.

Smaller EMIs

Loan tenor is the difference in years between your current age and retirement age for salaried individuals, in the case of self-employed individuals it is the difference in years between your current age and you attain 65 years of age and our credit norms.

The minimum loan tenor is 12 months and the maximum loan tenor is 15 years. This is determined as per your current age and norms linked to the outer age basis employment profile.

Rate of Interest

The rate of interest is linked to your credit bureau score and risk parameters defined in our credit norms.

To save you from any uncertainties of changes in financial markets, the rate of interest is fixed for the tenor of the loan.

Fees

We charge you as per the stage of the application to ensure that you do not all the charges upfront. Kindly refer to the MITC document for the same.

All you need is Google Pay, Paytm or net banking to make any payment, you can use our mobile app or our website to take this forward.

Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme is promoted by the Govt of India to help the Economically Weaker Sections and Lower Income Groups families own their first home, thru purchase or thru self-construction in defined areas of PMAY cities.

  1. The beneficiary family should not own a pucca house in his/her or in the name of any member of his/her family in any part of India.
    2. In the case of married couples, either of the spouse or both together in joint ownership will be eligible for a single subsidy.
    3. The beneficiary family should not have availed of central assistance under any housing scheme from the Government of India or any benefit under any scheme in PMAY.
    4. The beneficiary family will comprise husband, wife, and unmarried children.
    5. Woman ownership is not mandatory for construction/extension
    6. Assessment of your eligibility to avail of the benefits of CLSS is at the sole discretion of the Government of India. Contents herein are parameters outlined under the scheme for assessment of entitlement.
    7. The beneficiaries belonging to the Economically Weaker Section (EWS) and Lower Income Group (LIG) categories are eligible for a maximum interest subsidy of 6.5%, provided that the unit being constructed or purchased does not exceed the carpet area requirement of 60 square meters (approximately 645.83 square feet).

LIG and EWS categories are defined as those whose annual household incomes are above Rs. 3 lakh but below Rs. 6 lakh.

The maximum Subsidy is Rs 2.67 lacs payable for a home loan of 6 lacs given for a period of 20 years.

The maximum loan amount is 6 lacs, the value of the property or the loan amount can be higher.

Find the link to check: https://nhb.org.in/government-scheme/pradhan-mantri-awas-yojana-credit-linked-subsidy-scheme/

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