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Home Loans

The primary product offered by Aptus is aimed at addressing the long term housing finance needs of our customers. The housing loan could be for,

  • Construct a house/flat on the land owned
  • Purchase of a flat or a house from a builder
  • Construct or Purchase a house/flat on a second hand basis
  • Renovation or extension of a house
  • Purchase of a plot of land for construction.

Loan amount

While the minimum amount is Rs 5,00,000 Aptus would be primarily be focusing on the affordable housing segment where the customers are buying or building homes of value between Rs 6 lacs to Rs 30 lacs and looking for finance between Rs 5 - Rs 25 lacs.

The loan amount in case of Loan against property and renovation of existing homes would be lesser and Aptus would look at financing these needs for minimum loan value of Rs 5 lacs.


Tenure and Funding

The maximum Tenure offered is 20 years and amount upto 85% of the Value of the Property.


Interest Rate

The interest rate offered to the customers is fixed based on the Aptus Base Rate. While offering the interest rate, Aptus would offer the following options to the customers.
a. Floating
b. Fixed

The Fixed rate offered would be 0.5% -1% higher, to provide for the interest rate fluctuations.

Floating Fixed
14.00% - 15.50% 14.5% - 16%
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