65000 की सेलरी पर होम लोन

The amount of home loan on 65000 salary depends on certain factors like an applicant’s age, location of a property, and the likes. To know the actual amount you are eligible for, you can use an online eligibility calculator free of cost.

मुझे 65000 सेलरी पर कितना होम लोन मिल सकता है?

अपनी सेलरी के अनुसार आप कितना लोन प्राप्त कर सकते हैं यह जानने के लिए नीचे दिए गए टेबल को देखें.

निवल मासिक आय

होम लोन राशि**

रु. 65,000

रु. 54,24,854

रु. 64,000

रु. 53,38,441

रु. 63,000

रु. 52,55,028

रु. 62,000

रु. 51,71,614

रु. 61,000

रु. 50,88,201

**उपरोक्त होम लोन राशि की गणना बजाज फिनसर्व पात्रता कैलकुलेटर का उपयोग करके की गई है. वास्तविक लोन राशि शहर, आयु और अन्य कारकों के अनुसार अलग-अलग होती है.

Along with checking the loan amount you can avail of under a specified salary bracket, you should also be aware of the home loan tax benefits to make an informed decision.

होम लोन की पात्रता कैसे चेक करें?

You can check your housing loan eligibility by using an online calculator. Here are the steps associated with it:

Step 1: Visit the webpage of a home loan eligibility calculator.

Step 2: Enter the details mentioned below:

  • जन्मतिथि
  • आवासीय शहर
  • निवल मासिक सेलरी
  • लोन पुनर्भुगतान की अवधि
  • अतिरिक्त आय
  • मौजूदा ईएमआई या अन्य दायित्व

Step 3: After providing these details and click on ‘check your eligibility.’

Step 4: This calculator will instantly show the loan amount you can avail of based on the details entered. You can also alter these values in different tabs to find a suitable loan offer.

Besides evaluating home loan eligibility, you should also be aware of the documents mandatory for this purpose.

हाउसिंग लोन के लिए आवश्यक डॉक्यूमेंट क्या हैं?

Here is the list of documents you need to submit to avail of a home loan:

  • केवायसी डॉक्यूमेंट
  • आय का प्रमाण (सेलरी स्लिप, फॉर्म 16, बिज़नेस के फाइनेंशियल डॉक्यूमेंट)
  • कम से कम 5 वर्ष की निरंतरता का बिज़नेस प्रूफ
  • पिछले 6 महीनों के बैंक अकाउंट स्टेटमेंट

हाउसिंग लोन पर मौजूदा ब्याज दर क्या है?

बजाज फिनसर्व द्वारा ली जाने वाली होम लोन की ब्याज़ दर वर्तमान में 6.75%* प्रति वर्ष से शुरू होती है. इसलिए, हमारे यहां EMI रु. 649/ लाख से शुरू होती है.

बजाज फिनसर्व होम लोन के क्या लाभ हैं?

बजाज फिनसर्व के होम लोन के लाभ इस प्रकार हैं:

  • Substantial loan quantum

    पर्याप्त लोन राशि

    The housing loan amount can go as high as Rs. 5 crore*, as per your eligibility. Additionally, you can get a top-up loan of Rs. 1 crore* or more to meet additional expenses.

  • Long repayment tenor

    लंबी पुनर्भुगतान अवधि

    The repayment tenor of a home loan is up to 30 years, resulting in effortless credit repayment. You can use a home loan EMI calculator to find a suitable tenor.

  • No additional charges on prepayments and foreclosure

    No additional charges on prepayments and foreclosure

    Housing loans with Bajaj Finserv do not entail any additional charges for part-prepayments and foreclosure. Hence, you can close your loan account before the tenor without increasing the cost of borrowing.

  • Balance transfer

    बैलेंस ट्रांसफर

    Home loan balance transfer helps you to shift your loan from the current lender and enjoy better interest rates and favourable loan terms.

  • PMAY benefits

    PMAY के लाभ

    With Bajaj Finserv, you can apply for a housing loan under PMAY at a subsidised interest rate.

  • Property dossier

    प्रॉपर्टी डोज़ियर

    This facility guides you through the various financial and legal aspects of owning a property.

  • Online access to a loan account

    लोन अकाउंट का ऑनलाइन एक्सेस

    The customer portal of Bajaj Finserv allows you to access your loan account anytime, anywhere.

होम लोन के लिए कैसे अप्लाई करें?

To apply for a housing loan with Bajaj Finserv, you can follow the steps mentioned below:

  1. 1 बजाज फिनसर्व की वेबसाइट पर जाएं
  2. 2 Duly fill-up the loan application form with required professional and personal information
  3. 3 After receiving the initial approval, submit the essential papers and pay associated charges
  4. 4 A Bajaj Finserv representative will contact you after this for future proceedings
  5. 5 Following a successful verification of property and loan documents, you will receive the loan sanction letter
  6. 6 Once your sign the loan agreement, you will receive the loan amount

होम लोन के लिए अपनी पात्रता कैसे बेहतर बनाया जा सकता है?

Here are some pointers on how to improve your eligibility for a home loan on 65000 salary:

  1. Including a co-applicant is an option, as lenders factor in the eligibility of both applicants and then determine the loan amount accordingly.
  2. Mentioning additional income sources like rental income, interest income, etc., increases your total monthly income and improves your repayment capacity.
  3. A good credit score combined with a spotless repayment history considerably increases your loan eligibility.
  4. Opting for a longer tenor lowers the home loan EMIs, which will match your repayment capacity and improve your eligibility.

To know more about a home loan on 65000 salary, contact a representative from Bajaj Finserv.