Offered by Vastu housing finance corporation ltd · Details last checked October 26, 2026
Vastu Housing Finance offers home loans for purchasing new, resale, ready and under-construction properties. The lender also offers financing for house construction, extension and improvement, and composite land purchase and construction. Loan approval, amount, interest rate and tenure depend on the applicant's eligibility and the lender's assessment.
Verified from the source Source: Vastu Housing Finance – Official Website (opens in a new tab) checked October 26, 2026
Key details
- Loan amount
- Not published here; ask the lender
- Tenure
- Up to 20 years Verified from the source Source: Vastu Housing Finance – FAQ (opens in a new tab) checked October 26, 2026
- Interest rate
- Not shown: Finobazaar shows a rate only after checking it on the lender's own page. Confirm the current rate with the lender.
Fees and charges
| Initial non-refundable processing fee | ₹3,000 + applicable taxes/statutory levies |
|---|---|
| Processing fee | Up to 3% of loan amount + applicable taxes/statutory levies |
| Login fee | Up to ₹3,999 + applicable taxes/statutory levies (as stated in MITC) |
| Administrative fee | Up to ₹5,500 + applicable taxes/statutory levies |
| Post-disbursement document charges | Up to 0.50% of sanctioned amount + applicable taxes/statutory levies |
| Loan cancellation fee | Up to ₹3,000 for loans up to ₹15 lakh; up to ₹5,000 for loans above ₹15 lakh, plus applicable taxes/statutory levies |
| Cheque/NACH/SI bounce charge | Up to ₹500 per bounce + applicable taxes/statutory levies |
| Statement of account | Up to ₹500 + applicable taxes/statutory levies |
| Original document retrieval/storage charges | Up to ₹3,000 |
| External legal/technical verification | As per actuals |
| Floating-rate individual non-business loan prepayment/foreclosure | Nil, subject to the MITC conditions |
Verified from the source Source: Vastu Housing Finance – Most Important Terms and Conditions (opens in a new tab) checked October 26, 2026
Taxes may be added. Ask the lender for every charge in writing (the key fact statement) before you sign.
Eligibility
- Applicants may include salaried individuals and self-employed individuals or small business owners.
- Eligibility depends on income, age, repayment capacity, work experience and creditworthiness.
- Property acceptability and legal/technical assessment are subject to lender policy.
- Final eligibility, loan amount and applicable terms are determined by Vastu Housing Finance.
Verified from the source Source: Vastu Housing Finance – FAQ (opens in a new tab) checked October 26, 2026
Documents the lender asks for
- Completed loan application form
- Identity proof
- Address proof
- Income documents
- Bank statements
- Property documents
- Additional documents as requested by Vastu Housing Finance based on the individual case
Verified from the source Source: Vastu Housing Finance – Most Important Terms and Conditions (opens in a new tab) checked October 26, 2026
How to apply
- Visit the official Vastu Housing Finance website.
- Open the Home Loan section and submit an enquiry or application through the official channel.
- Provide the requested identity, address, income, bank and property documents.
- Complete the lender's legal and technical property evaluation.
- Review the sanction letter, interest rate, fees, tenure and repayment terms before accepting the loan offer.
- Disbursement is subject to lender approval and applicable conditions.
Verified from the source Source: Vastu Housing Finance (opens in a new tab) checked October 26, 2026
Apply with the lender
Finobazaar is not an agent or partner of Vastu housing finance corporation ltd. Applications are made directly with the lender.
Go to the official page on vastuhfc.com (opens in a new tab)
Check that the address in your browser is the lender's own before you enter any details.
Questions
What is the maximum home loan amount?
The official Home Loan page lists a maximum loan amount of ₹1 crore, subject to eligibility and lender approval.
What is the maximum home loan tenure?
The official FAQ states a maximum tenure of 240 months, or 20 years.
What is the interest rate?
The published Home Loan page lists 12.5%–19.5% for salaried applicants and 13%–19.5% for self-employed applicants. The applicable rate depends on eligibility and loan terms.
What documents are required?
The lender lists an application form, identity proof, address proof, income documents, bank statements and property documents. Additional documents may be requested.
What is the processing fee?
The lender publishes an initial non-refundable processing fee of ₹3,000 plus applicable taxes and a processing fee of up to 3% of the loan amount plus applicable taxes. Refer to the current MITC and sanction documents for applicable charges.
Can a borrower prepay the loan?
Prepayment is permissible. Applicable charges depend on the loan type and the conditions in the lender's MITC.
Verified from the source Source: Vastu Housing Finance (opens in a new tab) checked October 26, 2026
Calculators
- Home loan EMI calculator
- EMI calculator
- Loan eligibility calculator
- Loan prepayment calculator
- Balance transfer savings calculator
- Part-payment and tenure reduction calculator
- Loan comparison calculator
Calculators give estimates from the figures you enter; they do not use any lender's rate and are not an offer or a promise of eligibility.
Have a question about this loan?
Send an inquiry and a member of the Finobazaar team will call you back. It is not a loan application: nothing is sent to a lender unless you agree.