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Home / Products & Services / Home Improvement Loan
Home Improvement Loan
Want to give your home a brand new look? The answer is with RHDFC. Get exclusive Home Improvement Loans to renovate or repaint your home.
Purpose:
For repairs / renovation/ repaint/ improvement/ extension of the existing house.
Purchase of furniture/ fixtures/ furnishing.
Eligibility:
All individuals above the age of 21 years in case of self employed and 25 yrs in case of salaried individuals, working for minimum 3 years/ having stable source of income, singly or jointly owning a residential property.
Amount:
Maximum Rs. 100,00,000-/ but not exceeding the 80% of the total documented cost of the property. The actual loan amount is determined taking into account factors like:
Repayment capacity
Tenor of the loan
Co-applicant's income
Value of the property
Current liabilities
Saving habits, and more
 
Application Form
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the Schedule of charges
Brochure
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FAQs
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the FAQs
Margin:
20% of the cost of the project.
Repayment period:
The tenure of your Home Loan ranges from 1 to 15 years. The term however does not extend beyond the retirement age or 60 years (salaried individuals) whichever is earlier (65 years for self employed individuals).
 
RHDFCL urge customers to make maximum use of the e-payments facility for the repayment of their loan.
Changing loan repayment mode to Electronic Clearing System will attract Nil charge.
Most Important Terms & Conditions Grievance Redressal  
  Corporate Information Corporate Governance  
"Important Notification : The Government of India has announced the implementation of Goods and Services Tax (“GST”), which is effective from 1st July, 2017. Please note, the existing service tax rate of 15% on all charges levied by Religare Housing Development Finance Corporation Limited shall be replaced by a GST rate of 18% as applicable for financial services."
   Religare Housing Development Finance Corporation Ltd
   "A subsidiary of Religare Finvest Ltd"

  © Religare. All Rights reserved
*Recent decrease in Repo rate has enabled all financial institutions to revise their lending rate for all existing and new customers. As a result of these developments, the rate of interest applicable to all loan with Religare has been revised downwards by 0.3%. Now FRR stands at 13.2%
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Religare is a registered trademark of RHC Holding Private Limited used under license by Religare Enterprises Limited and its subsidiaries.