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Home Loan

The primary product offered by Aptus is aimed at addressing the long term housing finance needs of our customers. The housing loan which 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
Loan amount

While the minimum amount is Rs 3,00,000 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 3 lacs.

Tenure and Funding

The maximum Tenure offered is 15 years and amount upto 85% of the Value of the Property.

Interest Rate

Aptus has put in place a transparent mechanism to fix the interest rate offered to the home loan customers. 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.

  • Floating
  • Fixed
The interest rate to Rural Housing Fund (RHF) customers, as per NHB guidelines, would be after taking into consideration the benefit of NHB borrowing. The reduction in interest rate would be passed on to the customers.

Mortgage Loan

LAP has 2 products, Lap construction and Lap purchase. This facility is available to customers for construction or purchase of new homes. The tenure is 10 years.

Business Loan

In addition to the long term housing loan, Aptus also offers financial facility to meet the short term business development / working capital needs of the customers. Most of the customers of Aptus belong to Small and Medium Enterprises and have short term finance requirements. Aptus addresses this need.

Tenure and Funding

The maximum Tenure offered for SME Loan Against Property is for a period up to 10 years and loan amount as generally around 10 lacs.

Interest Rate

The interest rate charged for these loans would vary depending on the risk profile of the customer and would remain fixed during the tenure.