सरकारी कर्मचारियों के लिए होम लोन
Getting a home loan for government employees is an easy and seamless process. Bajaj Finance offers a high-value sanction of home loan to government employees of up to Rs. 15 Crore* that helps you to easily purchase or build the home of your dreams, or even renovate an existing one without compromises.
The loan comes with a flexible tenure of up to 40 years and has an attractive rate of interest. Combined, these two features help you keep costs in check with ease. You also get access to the home loan calculator, which is a free-to-use online tool that helps you plan your loan better. Use it when comparing loan offers and when identifying loan terms that best suit your finances.
सरकारी कर्मचारियों के लिए होम लोन: विशेषताएं और लाभ
हाउसिंग लोन लेने में रुचि रखने वाले सरकारी एप्लीकेंट बजाज फिनसर्व होम लोन की विशेषताओं के बारे में जानने के लिए नीचे दिए गए बिंदुओं को पढ़ सकते हैं.
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पर्याप्त फंडिंग
बजाज फिनसर्व आपके घर खरीदने की जर्नी को आसान बनाने के लिए पात्र उधारकर्ताओं को रु. 15 करोड़* या उससे अधिक राशि का लोन प्रदान करता है.
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आसान रीफाइनेंसिंग
आप अपने मौजूदा होम लोन बैलेंस को हमें ट्रांसफर कर सकते हैं और हमारे द्वारा प्रदान किए जाने वाले सभी विशेषताएं और लाभ प्राप्त कर सकते हैं.
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शून्य पुनर्भुगतान शुल्क
अपने होम लोन पर शून्य पार्ट-प्री-पेमेंट या फोरक्लोज़र शुल्क का लाभ उठाएं, जिससे जल्द पुनर्भुगतान करना अधिक किफायती हो जाता है.
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सुविधाजनक अवधि
30 वर्ष तक की सुविधाजनक पुनर्भुगतान अवधि एक्सेस करें और अपने बजट के भीतर होम लोन की ईएमआई रखें.
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न्यूनतम पेपरवर्क
होम लोन के लिए आवश्यक डॉक्यूमेंट एप्लीकेशन आसान हैं और लोन प्रोसेसिंग को तेज़ बनाएं
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आसान अकाउंट मैनेजमेंट
हमारे ऑनलाइन कस्टमर पोर्टल का उपयोग करके, आप किसी भी समय और कहीं से भी अपने लोन अकाउंट को एक्सेस कर सकते हैं.
सरकारी कर्मचारियों के लिए पात्रता मानदंड
हमारे होम लोन पात्रता कैलकुलेटर के साथ, आपको बस बुनियादी पर्सनल विवरण भरना होगा और अगर आप लोन के लिए पात्र हैं तो आप यह जान सकते हैं. आपको जिस मानदंडों को पूरा करने की आवश्यकता है उसे जानने के लिए, पढ़ें.
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राष्ट्रीयता
भारतीय
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उम्र
वेतनभोगी व्यक्तियों के लिए 23 वर्ष से 62 वर्ष
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रोजगार स्टेटस
कम से कम 3 वर्ष का अनुभव
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सिबिल स्कोर
750 या उससे अधिक
*कृपया ध्यान दें कि उल्लिखित पात्रता की सूची संकेतक है. शर्तें लागू.
*शर्तें लागू
होम लोन पर लागू फीस और शुल्क के बारे में पढ़ें और आसानी से पुनर्भुगतान प्लान करें.
Home loan benefits for government employees
Government employees in India can enjoy certain benefits when availing a home loan. Here are some common benefits available to government employees:
- Lower interest rates: Many banks and financial institutions offer special home loan schemes with lower interest rates for government employees. These preferential rates can help reduce the overall interest burden on the loan.
- Longer repayment tenure: Government employees may be eligible for extended repayment tenures compared to regular home loan applicants. This allows for more manageable EMIs (Equated Monthly Installments) and flexibility in loan repayment.
- Higher loan amounts: Government employees often have the advantage of being eligible for higher loan amounts compared to other borrowers. The loan amount is typically based on factors such as the employee's income, job stability, and service tenure.
- Lower processing fees: Banks and financial institutions may offer discounted or waived processing fees for home loans taken by government employees. This helps reduce the upfront costs associated with loan processing.
- Flexible repayment options: Government employees may have access to flexible repayment options, such as step-up or step-down EMIs, based on their expected career progression or retirement plans. These options provide greater financial flexibility during different stages of their employment.
- Easy loan approval: Government employees generally have a higher chance of loan approval due to their stable income and job security. Lenders perceive government employees as low-risk borrowers, making the loan approval process smoother and faster.
It's important to note that the specific benefits and eligibility criteria may vary among lenders and are subject to individual bank policies. Government employees interested in availing a home loan should research and compare the offerings of different lenders to find the best-suited option for their needs.
सरकारी कर्मचारियों के लिए होम लोन के लिए कैसे अप्लाई करें
शुरू करने के लिए, आपको केवल ऑनलाइन एप्लीकेशन फॉर्म भरना होगा. इसका पालन करने के लिए चरण-दर-चरण गाइड है.
- 1 वेबसाइट पर जाएं और 'ऑनलाइन अप्लाई करें' पर क्लिक करें’
- 2 बुनियादी व्यक्तिगत विवरण दर्ज करें और ओटीपी दर्ज करें
- 3 आदर्श लोन राशि और अवधि का निर्णय लेने के लिए ऑनलाइन कैलकुलेटर का उपयोग करें
- 4 अपनी पर्सनल, रोजगार, प्रॉपर्टी और फाइनेंशियल जानकारी भरें
इस फॉर्म को पूरा करने के बाद, एक अधिकृत प्रतिनिधि आगे के निर्देशों के साथ आपसे संपर्क करेंगे.
सामान्य प्रश्न
Yes, government employees in India can avail of home loans up to 100% of the value of the property. Several public sector banks and housing finance companies provide home loans specifically designed for government employees, which come with attractive interest rates and repayment options.
However, the eligibility criteria for such loans may vary from one lender to another. The borrower's age, income, credit score, and employment history are some of the factors that lenders consider while approving home loans for government employees. Additionally, lenders may also require the borrower to purchase home insurance and opt for an ECS (Electronic Clearing Service) mandate to ensure timely repayments.
In summary, government employees in India can avail of home loans up to 100% of the value of the property. However, they need to meet the eligibility criteria prescribed by the lender. It is advisable to compare the interest rates, processing fees, and prepayment charges of various lenders before choosing a home loan.
No, government employees generally do not need collateral to take a home loan in India. Government employees are considered low-risk borrowers due to their stable income and job security. As a result, many banks and financial institutions offer home loans to government employees without requiring any collateral.
You can get a home loan of Rs. 15 Crore* at an interest rate starting from 8.45%* p.a. if you are a salaried individual.
