Roha Housing Home Loan

Roha Housing Finance, offers home loans with low interest rates ranging from 10% to 23% per annum, depending on the borrower's profile. Eligible applicants can access loan amounts between ₹3 lakh and ₹50 lakh, with flexible repayment tenors extending up to 25 years. The company provides various loan products, including loans for home purchase, self-construction, expansion, and loans against property. Roha Housing Finance caters to both salaried and self-employed individuals, offering quick loan approvals and disbursals, making it a convenient option for homebuyers.

Roha Housing Interest Rate, Fees & Charges

The loan interest rate ranges from 10% to 23%. Between October and December 2024, the interest rate was between 11% and 19%, with an average of 12.73%.

Roha Housing Home Loan Eligibility

Roha Housing offers home loans with minimal eligibility requirements. Applicants must be Indian residents above 18 years old. The loan is accessible even with minimal or no income documentation. Additionally, beneficiaries should not own a pucca house anywhere in India. To check eligibility, applicants can use BigMudra’s Home Loan Eligibility Calculator for a quick assessment.

Documents Required For Roha Housing Home Loan

To apply for a Roha Housing home loan, applicants need to submit essential documents for identity verification, income proof, and property details.

Types of Home Loan Offered By Roha Housing

Roha Housing Finance offers various home loan options to cater to different needs:

1. Home Loan for Purchase: This loan helps you buy your dream home. It offers benefits like lower EMIs, longer repayment periods (up to 25 years), minimal income documentation, higher loan amounts, and a fast approval process.

2. Loan for Self-Construction: If you wish to build your own house, this loan provides up to 100% of the construction cost, based on a certified estimate. It also offers tax benefits under sections 24(b) and 80C of the Income Tax Act.

3. Home Loan Expansion: For those looking to add more space to their existing home, like an extra room or a new floor, this loan offers flexible terms to suit your needs.

4. Loan Against Property: If you own a property and need funds for personal or business purposes, you can mortgage your property to get a loan. This option provides quick approvals, transparent documentation, and loan terms up to 15 years.

5. Pradhan Mantri Awas Yojana (PMAY): Under this government scheme aiming for "Housing for All" by 2022, eligible individuals can receive interest subsidies on loans for purchasing, constructing, or enhancing a house.

These loan options are designed to meet various housing-related financial needs, ensuring flexibility and support for customers at different stages of homeownership.

Why Apply For a Roha Housing Home Loan at BigMudra?

1. Easy Process: BigMudra simplifies the entire home loan application process. From filling out forms to submitting documents, everything is streamlined for your convenience. You can even apply online from the comfort of your home.

2. Quick Approval: BigMudra ensures fast processing of your loan application. With minimal paperwork and efficient verification, you can get your loan approved in no time, helping you move closer to your dream home sooner.

3. Affordable Rates: Roha Housing home loans through BigMudra come with competitive interest rates. This means lower EMIs and more savings over the loan tenure, making homeownership more affordable.

4. Flexible Repayment: BigMudra offers flexible repayment options tailored to your financial situation. You can choose a tenure that suits your budget, ensuring that your EMIs are manageable and stress-free.

5. Trusted Partner: Roha Housing is a well-known and trusted name in the housing finance industry. By choosing them, you’re partnering with a reliable lender that prioritizes customer satisfaction and transparency.

6. Expert Guidance: BigMudra provides end-to-end support throughout your home loan journey. Their team of experts is always available to answer your questions, guide you through the process, and help you make informed decisions.

7. Wide Range of Options: Whether you’re looking to buy a new home, build one from scratch, or renovate your existing property, Roha Housing home loans through BigMudra offer solutions for all your needs.

8. Transparent Process: BigMudra ensures complete transparency in the loan process. There are no hidden charges or surprises, so you know exactly what you’re paying for and can plan your finances accordingly.

9. Customized Solutions: BigMudra understands that every homebuyer has unique needs. They offer personalized loan solutions to match your specific requirements, ensuring you get the best deal possible.

10. Digital Convenience: With BigMudra, you can track your loan application status, make payments, and access important documents online. This digital-first approach saves you time and effort.

How To Apply For a Roha Housing Home Loan

Roha Housing Finance offers easy and quick home loans to help you buy, renovate, or construct your dream home. If you are a pre-approved customer, you can get instant loan offers tailored to your financial profile and credit history. Existing customers can visit BigMudra.com to check their eligibility and apply effortlessly.

For new customers, the process is simple and straightforward:

1. Visit BigMudra.com:Go to the website and fill out the online home loan application form with your basic details.

2. Submit Required Documents: Upload necessary documents, such as identity proof, income proof, address proof, and property-related documents.

3. Quick Approval: Once your application and documents are verified, get quick approval on your loan. Loan Disbursement: The approved loan amount will be disbursed directly to your account, helping you purchase or build your dream home without delays

Applying for a Roha Housing Home Loan through BigMudra is hassle-free and designed to make your home-buying journey smooth, convenient, and stress-free!

Whether you’re a first-time homebuyer or looking to renovate your existing home, Roha Housing Finance, in partnership with BigMudra, ensures a seamless experience with competitive interest rates, flexible repayment options, and expert guidance at every step. Start your journey to homeownership today!

Roha Housing Home Loan Customer Care Number

1. Helpline Number: you can connect with Roha housing at anytime on their customer care toll free number  1800 266 2111, or you can also email them at customerservice@rohahousing.com, support@rohahousing.com

FAQs Roha Housing Home Loan

1. What is the interest rate for a Roha Housing Home Loan?
   Roha Housing Home Loans offer interest rates ranging from 10% to 23% per annum, depending on the borrower’s profile and financial history.

2. What is the maximum loan amount and tenure offered by Roha Housing?
   You can avail a loan amount ranging from ₹3 lakh to ₹50 lakh with a flexible repayment tenure of up to 25 years.

3. What are the eligibility criteria for a Roha Housing Home Loan?
   To be eligible, you must:

   1. Be an Indian resident above 18 years old.
   2. Have minimal or no income documentation.
   3. I do not own a pucca house anywhere in India.

4.  What documents are required to apply for a Roha Housing Home Loan?
   You need to submit:

   1. KYC documents (ID and address proof).
   2. Income proof (salary slips or business records).
   3. Property documents (sale agreement, allotment letter, etc.).
   4. Bank statements (up to 12 months).

5. How can I apply for a Roha Housing Home Loan through BigMudra?
   By following the steps below:

   1. KYC documents (ID and address proof).
   2. Income proof (salary slips or business records).
   3. Property documents (sale agreement, allotment letter, etc.).
   4. Bank statements (up to 12 months).

6. Are there any prepayment or foreclosure charges?
   No, Roha Housing Home Loans have no prepayment or foreclosure charges, making it a cost-effective option for borrowers.