Aadhar Housing Finance Ltd (AHFL) - Home Loan Process & Document Requirement

Aadhar Home Loan Approval Process

Home Loans Now for Everyone

Our Home Loan Approval and Disbursement Process

At Aadhar Housing finance, our primary goal is to make it easy and simple for a customer to acquire a home loan. Our home loan application form is simple yet comprehensive. All you have to do is fill the application form, collate the essential documents required to process your home loan and submit it to us along with a cheque favouring "Aadhar Housing Finance Private Ltd" for the initial processing fees. If you have any questions at this stage or need help with this, our home loan advisors are at hand to assist you with your application.

Here is a quick, step-by step guide to the process we follow in our endeavour to disburse your housing loan at the earliest.

Step 1 : Assessment

At this stage, we want to determine that you can afford the loan repayments. Our credit team will conduct income verification and validate the accuracy of the information you have provided.

A credit check will then be carried out to reveal your credit history; in this case we as a lender will obtain a credit report that will show the following details :

  • Personal details such as : Name, Residential Addresses, Date of Birth and PAN card number
  • Records of some recent credit accounts
  • Overdue Accounts (Defaults) which may have been listed against your name, including an indicator on whether the default amount has been paid or not.

As your credit history plays an important part in the home loan application process, it is always advisable to clarify and resolve any credit related issues before lodging your loan application.

Step 2 : Conditional Loan Sanction

If there are no major issues with your income verification and credit checks, we at Aadhar Housing will provide a conditional sanction for your loan. This means that we will issue a formal Letter of Offer cum acceptance favouring all the applicants to the loan. We recommend all applicants read this document carefully, sign and return it to us, making sure the information is correct and that everyone understands all the terms and conditions.

Your Aadhar Housing Finance Home Loan executive will be there to guide you through this step and assist you in compiling documents, should we require any further information.

Step 3 : Security Assessment

  • Technical Assessment: A qualified technical officer will conduct a valuation on the property you intend to purchase and any property that will be used as security.
  • Legal Assessment: A qualified lawyer will examine the property documents i.e. chain of agreements/title etc. to determine if the property documents provided by you are conducive for lending.

Step 4 : Loan Disbursement

Once you have formally accepted our loan offer, a thorough scrutiny of all of the above steps is conducted by us to ensure accuracy of the entire process. Once the final check is completed, you need to submit the final processing fee cheque (all other charges as mentioned in the tariff schedule) to your Aadhar housing executive favouring "Aadhar Housing Finance ltd".

Upon receiving the funds you will start paying your first home loan repayment usually from the next month after the disbursement date.

And with these four simple steps, you and your family become a proud owner of your own Home.

If you have more questions, Please mail us your questions to customercare@aadharhousing.com


You can now avail subsidy from the Central Govt. on purchase of your first house under "Pradhan Mantri Awas Yojna". For more details click below


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