ART Housing Finance Home Loan
ART Housing Finance Home Loan
Registered with the National Housing Bank (NHB), ART Housing Finance India Limited is an emerging NBFC helping people buy their dream homes. The interest rate on an ART home loan varies with the profile of the borrower, who can be salaried or self-employed, from a formal or informal income segment. ART promotes a technology-enabled, paperless and fully transparent application process, and offers home purchase, extension, construction, improvement, refinance, balance transfer and top-up loans, with a repayment tenure of up to 30 years for amounts from Rs. 3 lakh up to Rs. 50 lakh.
ART Housing Finance Home Loan
Built for Informal Income Too
ART lends to formal and informal income segments, and we help you document income the way the lender needs it.
Paperless, Technology-Led Process
ART runs a digital application journey, and we make sure your file is complete before it goes in.
Doorstep Service in Your Language
Our team comes to you and explains every step in the language you are comfortable with.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
ART Housing Finance Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
ART Housing Finance Home Loan Key Highlights
Get the lowest interest rates with ART Housing Finance
Loan Amount: Rs. 3 lakh up to Rs. 50 lakh
Rate of Interest: Varies as per the profile of the borrower
RPLR: 19.25%
Processing Fee: Varies as per policy
Maximum Tenure for Repayment: 30 years
Rate Packages: Fixed / Floating
Charges for Prepayment/Foreclosure: Nil
ART Housing Finance Home Loan Interest Rates in 2026
ART Housing Finance Ltd. offers easy and affordable home loans to borrowers across the country. These quick, tailor-made housing loan schemes are offered at an interest rate that varies with the borrower profile, so you are advised to contact the officials of the NBFC or the BASIC Home Loan team for an exact quote.
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Floating / Fixed Plans | As per the profile of the borrower |
ART Housing Finance Home Loan Eligibility Criteria
ART Housing Finance Ltd. offers quick and hassle-free home loans to both formal and informal income segments, based on general parameters such as age, nationality, repayment capacity and employment status. The table below sets out the eligibility criteria:
For Salaried Individuals
Age Range (in years)
23-65 years
Nationality
Indian residents
Minimum Income Earned
Can be as low as Rs. 5,000 per month
For Self-Employed Individuals
Age Range (in years)
23-65 years
Nationality
Indian residents
Minimum Income Earned
Can be as low as Rs. 5,000 per month
ART Housing Finance Home Loan Processing Fee and Charges
ART Housing Finance Ltd. facilitates easy home loan processing at a nominal processing fee that varies as per policy. Besides this, the NBFC levies some other charges through the loan process. The table below sets them out:
| Processing Fee | Varies as per policy |
| Cheque Bounce Charges | Rs. 500 + taxes |
| Cheque Swap Charges | Rs. 250 + taxes |
| Duplicate Statement / Certificate | Rs. 250 + taxes |
| Legal Charges | Rs. 2,500 + taxes prior to disbursement (not applicable on top-ups and approved projects) |
| Pay Order / Demand Draft Charges | Rs. 150 per lakh or actual bank charges, whichever is higher |
| CERSAI Charges | Loans up to Rs. 5 lakh: Rs. 50 + taxes; loans above Rs. 5 lakh: Rs. 100 + taxes |
| Prepayment Charges | Nil |
ART Housing Finance Home Loan Schemes and Top Plans
ART Housing Finance offers a wide range of home loan schemes to salaried and self-employed borrowers. Here are the popular ones:
- Ideal for purchasing a ready-to-move-in or under-construction residential property
- Attractive interest rates
- Maximum repayment tenure of up to 30 years
- Best suited to the construction of a residential property
- Loan amounts starting at Rs. 3 lakh and up to Rs. 50 lakh
- Maximum repayment tenure of up to 30 years
- Suitable for extending an existing home by adding a floor, room or balcony
- Flexible repayment options
- Attractive interest rates
- For renovating an existing home internally or externally through painting, flooring, electrical work and plumbing
- Maximum repayment tenure of up to 30 years
- Offers flexible reimbursement of expenditure already incurred on purchasing, extending or constructing a home
- Flexible repayment methods
- Quick transfer of an existing home loan to ART Housing Finance Ltd.
- Lower interest rates
- Easy transfer of an existing home loan to ART Housing Finance Ltd.
- Flexible top-ups available
* Note: All of the above home loan plans are made available to applicants solely at the discretion of ART Housing Finance, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for ART Housing Finance Home Loan
Applying for an ART home loan is straightforward, and one crucial step is submitting your KYC documents. Listed below are the documents required from salaried and self-employed applicants:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
|
| Other Required Documents |
|
| Identity & Address Proof |
|
| Documents Related to Property |
|
Apply for an ART Housing Finance Home Loan Through BASIC Home Loan
Applying for an ART home loan online is simple and open to both salaried and self-employed applicants who meet the eligibility criteria laid down by the NBFC:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact number, loan amount and pincode, then submit the form.
We Take It Forward With ART
The BASIC Home Loan team reaches out and initiates a hassle-free home loan application process.
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