Army group insurance fund computer loan application form

Loan

Agencies

Max Amount
(Rs)

Eligibility

Obtain Application From

Rate of Interest

2.1 Lac Provided cost of flat is below Rs 37.50 Lacs.

Addl Dte Gen of Pers Service
Adjutant General's Branch
Room No. 16, Plot No. 108(W)
IHQ of MoD (Army), Brassey Avenue
Church Road, DHQ PO, ND-110001
ASCON-35062
Ph : 23092975

a) 8.5% p.a. for amount sanctioned upto Rs50,000/-
b) 10.0% p.a. for amount sanctioned upto Rs1,50,000/-
c) 11.5% p.a. for amount sanctioned upto Rs2,10,000/-

2.5% rebate in the interest for the following @ 0.5% for each condition:-
* Making regular payment of HBA.
* Mortgaging flat in favour of President of India within 90 days of taking possession.
* Insurance of house against risk of fire, flood and lightening.
* Maintaining the house in good repair and pay all the taxes etc.
* Seeking prior permission in case of further mortgage.
A further rebate of 0.5% for adopting small family norms.

Loan

Agencies

Max Amount
(Rs)

Eligibility

Obtain Application From

Rate of Interest

House Building
Advance (HBA)

AGIF, Army Group Insurance Fund

All Service Offrs/ JCOs & OR after completion of 2 yrs of services
(Re-emp Offrs, JCOs/OR are
NOT eligible)#

AGI Bhawan,
Rao Tula Ram Marg
New Delhi
Ph – 26142749 & 26151031
Through Exch - 508 & 509
This email address is being protected from spambots. You need JavaScript enabled to view it.

JCOs/OR - 7%
Offrs - 7.5%

(Effective from 01-Oct-2020,

applicable also for all existing loanees)

Note : Existing Loan in the process of disbursement and last instalment has not yet been taken or EMI has not commenced, then the amount could be increased to the proposed level provided the member has repaying capacity.

# Short Service Commissioned Officers including Women Officers who are commissioned under the revised terms and conditions, and SSCOs who opt for the revised terms and conditions, as per Govt of India letter No B/32313/PC/AG/PS-2(a)/321/D(AG) dated 20 Jul 2006 will be elgible after completion of 3 years of Commissioned Service. In case of SSCOs, the loan amount and interest has to be repaid before 10 years of Commissioned Service.

* Max Repayment Period 240 months actual period upto 6 month prior to date of retirement.
* Processing Fee - Rs 2500/- will be charged upto 8 lac and addl Rs 200/- for every lac or part thereof and maximum Rs 7900/- for loan of Rs 60 lac.
* Monthly reducing balance.
* Max loan admissible excluding the HBA given by Army HQ (AG’s Branch) will not exceed Rs. 60 Lacs or 50 times the Basic Pay whichever is less.
* Loan amount will be restricted to the repaying capacity of the individual in the present rank.
* One time non-refundable addl insurance premium payable for each instalment has been introduced wef 01 Jul 2010 for instalment basis upto the disbursal of last instalment ( for offr Rs 15.84 and JCO/OR Rs 12.50 per lac).

INTRODUCTION OF NEW SCHEME BY AGIF (HBA FOR PURCHASE OF PLOT AND CONSTR OF HOUSE THEREAFTER)
Members are permitted for purchase of plot and constr of house thereon with the fwg conditions:-
(a) Constr of house should commence on the plot within a yr of purchase of plot.
(b) 40% of the adv or actual cost of plot will be disbursed for purchase of plot after agreement in prescribed form is exec and submitted to AGIF.
(c) Bal amount will be disbursed in two equal instalments, first after mortgage is exec and second when constr is carried out till plinth level.
(d) IT Rebate Cert will be issued only on completion of constr of the house.

S.No.

Loan

Agencies

Max Amount
(Rs)

Eligibility

Obtain Application From

Rate of Interest
(Confirm from agency for changes if any)

1. Upto 80% of the cost of DU.

2. 55% of Income as EMI

All AWHO allottees having adequate repaying capacity.

For futher query speak to :-

Badshahpur Branch, Sohna Road, Rama Complex, Gurgaon, Haryana : Ms Taruna Sachdeva, Dy Mgr, 9953693748, 7217701930, This email address is being protected from spambots. You need JavaScript enabled to view it. ; Ms Saroj Mehra, Dy Br Mgr, 9990271833, This email address is being protected from spambots. You need JavaScript enabled to view it. ; Mr Naresh Kumar, Chief Mgr, 9625503428, This email address is being protected from spambots. You need JavaScript enabled to view it.

SBI Shankar Vihar, Delhi Cantt
1) Ms. Shailee Saxena (Br Manager)
Contact Number : 9815445583
Email Id: This email address is being protected from spambots. You need JavaScript enabled to view it.

2) Rajiv Ranjan (Asst Manager)
Conact Number: 9891226937
Email Id: This email address is being protected from spambots. You need JavaScript enabled to view it.

State Bank of India,
Ins India Branch,
Dalhousie Road
New Delhi

Name: Mr Pawas
Branch Manager, SBI INS India
Mobile No- 9761682975
Email ID - This email address is being protected from spambots. You need JavaScript enabled to view it.

Sh. Hanish Sharma, Dy. Manager, Mob No-9711498419, email : This email address is being protected from spambots. You need JavaScript enabled to view it.

Mr Raj Mohan Singh Gusain
Assistant Manager, Parliament Street Branch, HLST-1, New Delhi
9634830525, This email address is being protected from spambots. You need JavaScript enabled to view it.

SBI RACPC, Yehalanka, Banaglore, This email address is being protected from spambots. You need JavaScript enabled to view it. , This email address is being protected from spambots. You need JavaScript enabled to view it. , M: 09448993000, 08025943101, 09480810150

For Women Borrowers
Loan Amount	ROI
Upto 75 lacs	8.60% pa
Above 75 lacs	8.65% pa

For Other Borrowers
Loan Amount	ROI
Upto 75 lacs	8.65% pa
Above 75 lacs	8.70% pa

Note: There is no rebate or concession in interest rate in housing loans for DSP account holders. Only waiver of processing fee is applicable for DSP account holders (serving Army Personnel having DSP accounts in SBI) or Defence Pension account holders with SBI.

All Defence Personnel including AWHO allottees having adequate repaying capacity.

Personnel of
• Indian Armed Forces (Indian Army, Indian Navy, Indian Air Force, Indian Costal Guard).
• Indian Central Forces (Assam Rifles, Border Security Forces, Indo Tibetan Border Police, Sashastra Seema Bal, Central Industrial Security Force, Central Reserve Police Force)
•All serving employees and retired persons getting pension are eligible under the scheme.

For further queries kindly contact nearest Bank of Baroda Branch or Contact :-

Bank of Baroda, Nirman Bhavan Branch :-
011-23061423 & 23061946

Delhi Cantt Branch :-
011-25699523

or at
011-23441484
SMS, Bank of Baroda
Building, 16 Sansad Marg,
New Delhi-110001
or mail to :-
This email address is being protected from spambots. You need JavaScript enabled to view it.

Defence Banking Department
011-23441665/23441634

Kindly click the below link for Application Form.
https://www.bankofbaroda.in/download-forms

Present Home Loan Rate of Interest is @ 8.40% with NIL processing charges.

Home Loan Advantage features

Nil pre closure charges

Kindly click the below link for complete detail:

Upto 80% of the cost of DU.

All Defence Personnel incl AWHO allottees having adequate repaying capacity.

Rajender Place New Delhi

Mr Ravi Gupta, Chief Manager

Ms. Ramanjit Kaur, Sr. Manager

(For details of loan schemes please visit www.pnbindia.in

For any query mail at This email address is being protected from spambots. You need JavaScript enabled to view it.

Upto 85% of the cost of DU.

EXISTING CUSTOMERS CAN AVAIL THE TOP-UP LOAN FACILITY.

All AWHO allottees having adequate repaying capacity.

HDFC Ltd., The Capital Court, Munirka, Outer Ring Road, Olaf Palme Marg, New Delhi-110067
Phone: 011-41115111
Hotline : 9818327381

This email address is being protected from spambots. You need JavaScript enabled to view it.

Mr Abhimanyu Kukreja
9540034587
This email address is being protected from spambots. You need JavaScript enabled to view it.

The above Home Loan interest rates / EMI is applicable for loans under the Adjustable Rate Home Loan Scheme of Housing Development Finance Corporation Limited (HDFC) and is subject to change at the time of disbursement. The Home Loan interest rates above are variable in nature and linked to HDFC's Retail Prime Lending Rate and shall fluctuate according to the movement in the same. All loans at the sole discretion of HDFC Ltd.

1. Loan Upto 85% of the cost of DU upto Rs 20 lakh.*

2. Loan Upto 80% of cost of DU between Rs 20 to 75 lakh

3. 70% cost of DU above Rs 75 lakh

AWHO allottees with sufficient repaying capacity

Contact Person - Mr Dushant, Area Manager
Pitampura Area Office, 353 Aggarwal Millenium Tower, 3rd floor, above PIZZA Hut, Netaji Subhash Place, Pitampura, New Delhi-110034.
Tel : 011-27355886/87
Mob : 09501033823
Email : This email address is being protected from spambots. You need JavaScript enabled to view it.
www.lichousing.com

1. ROI 8.35% upto Rs 1 crore *
2. Processing Fee NIL for defence personal (Serving/Retired)*
3. Loan tenure - upto 30 yrs or attainment of 70 yrs of age, wichever is earlier.
4. Kindly fill the details by visiting on http://www.lichousing.com/lms_module.php

Nearest ICICI bank Branch.

or
Mr. Vivek Chauhan
Relationship Manager

Tel : 09205488927, 918447951531
Email : This email address is being protected from spambots. You need JavaScript enabled to view it.

Metro: Rs. 300 Lac
( Rs. 300 lac for Metro City: Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Ahmedabad, Hyderabad, Gurgaon, Noida and New Delhi)
Other Metro: Rs. 150 Lac
Urban: Rs. 75 Lac
Semi Urban: Rs. 45 Lac
Rural: Rs. 25 Lac

Margin amount
(a) For Loan amt. upto Rs. 30 lac : 10% of project cost.
(b) For loan amt above Rs. 30 lac to Rs.75 lac : 20% of project cost.
(c) Above Rs. 75 lacs: 25 % of project cost

All AWHO allottees having adequate repaying capacity.

1) Retail Hub, Lucknow
Contact No.: 0522 – 2619973
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

2) Mr. Ashish Kumar
Manager(Marketing)
Mob: +91 – 8420629605
Email:
This email address is being protected from spambots. You need JavaScript enabled to view it.

Upto 85% of the cost of DU

Exclusively for the confirmed employee of Defence Central & State Govt

Mr PawanLahiri
Chief Manager
Corporation Bank
Sector-31, Gurgaon, Haryana
Ph: 0124-2381677
Mobile: 7042597414
E-mail : This email address is being protected from spambots. You need JavaScript enabled to view it.
This email address is being protected from spambots. You need JavaScript enabled to view it.

Loan upto 90% of the MV up to Rs. 30 Lacs

Loan upto 80% of the MV from Rs. 30 to 75 Lacs

Loan upto 75% of the MV above Rs. 75 Lacs

Net Adjusted Monthly Income :

Income less than Rs. 20,000 – 60% FOIR

Rs. 20,000 – Rs. 1,00,000 – 65% FOIR

Above Rs. 1,00,000 – Rs. 70% FOIR

AWHO allottees with sufficient repaying capacity

SPOC
Mr. Sandeep Malhotra -Area Sales Manager-Home Loans

Mobile -8860750000

Email ID –
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Floating ROI	REPO + 2.2% = 8.45%*
Fixed ROI (1 Year and thereafter Floating ROI as above)	9.00%
Initial Processing Fees	NIL
Final Processing Fees	NIL
Legal & Technical Charges	As per actuals
CERSAI charges	As per regulatory norms**

KINDLY CONTACT LOANING AGENCY FOR THE LATEST INFO.

NOTE : This list is only to facilitate our allottees. Kindly approach any loaning agency of your choice.

Points to be kept in mind regarding housing loan :

·One can apply for home loan only after issue of booking letter. Before availing a home loan, a payment of 15% to 25% has to be made by the allottee to AWHO directly.
Necessary NOC (No Objection Certificate) can be obtained from AWHO on specific request by allottee along with provisional Sanction letter from the loaning agency outlining the terms & conditions of the loan like tenure & loan amount.
·Tripartite Agreement for HBA from AG PS-3(c) and AGIF is signed by AWHO as per their approved formats. For other Housing Finance Agencies, Tripartite Agreement approved by AWHO is signed. AWHO draft TA formats are available on the website.
Tax benefits can be availed on a home loan. The benefit maybe availed on the instalments paid towards principal component from beginning of the loan under section 80-C. Interest component qualifies for tax benefit after possession of the Dwelling Unit has been taken and maybe reduced from total taxable income. (Pls refer to IT guidelines for more details.)

(a) Latest Pay Slip/Proof of Income (3 months).
(b) Bank Statement for last six months where salary is credited.
(c) Income Tax Return/Form 16 (Last 2-3 years).
(d) PAN Card.
(e) Identity Proof.
(f) Residence Proof.
(g) Passport size photo.
(h) Personal assets and liabilities statement (PF, PPF, LIC etc.) along with documentary evidence.
(j) Copy of PPO/Pension certificate copy (For pensioners).

And obtain a provisional/Interim sanction letter from the loaning agency stating the loan amount and tenure.