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Home Loan in Calicut

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Housing Loan in Calicut: Overview

Calicut or Kozhikode is a prominent city in Kerala which welcomed the famous Vasco da Gama in 1498. Being the Centre of Malabar, Calicut attracts traders worldwide for its exquisite spices and other products. The city’s economy depends on fisheries, agriculture, timber industry and exportation. The service sector is no behind, making it one of the biggest economic centres in Kerala. Calicut houses more than 2 million people.

Construct or purchase your new house with a high value up to Rs.3.5 crore. The home loan in Calicut comes with attractive features.

 

Calicut Home Loan: Features & Benefits

  • PMAY Scheme

    First-time homeowners can avail interest subsidy on their housing loan under the Pradhan Mantri Awas Yojana scheme. Pay lower EMIs with 6.93% rate of interest and enjoy up to Rs.2.67 lakh savings. Apply with Bajaj Finserv for fast processing and minimum hassle.

  • Home Loan Balance Transfer

    Transfer your home loan balance for benefits like lower interest rate, high-value top-up loan at nominal rates, etc.

  • Top-Up Loan

    Fulfil your additional financial needs with zero restriction using the top up loan. Avail funds up to Rs.50 lakh at a nominal interest rate of 8.60%.

  • Part-Prepayment and Foreclosure Facility

    Free yourself from this financial debt effortlessly with part-prepayment or foreclosure benefits. Zero fees applied.

  • Flexible Tenor

    Bajaj Finserv offers utmost flexibility in loan repayment. Choose from a tenor up to 240 months for your home loan in Calicut.

  • Minimal Documentation

    Borrowers can now take home loans with minimum documents only.

Home Loan Eligibility Criteria

Every applicant must fulfil the home loan eligibility requirements to avail the funds successfully.

 

Eligibility Criteria Details
Age (for salaried 23 to 62 years
Age (for self-employed) 25 to 70 years
Business vintage At least 5 years
Work experience Minimum 3 years
Nationality Indian (resident)

You can check your eligibility with our easy to use home loan eligibility calculator.

Calculate Home Loan EMI

Be informed about the financial outflow towards loan repayment with the Bajaj Finserv Home Loan EMI Calculator. The simple online tool also shows interest payable and total payment besides EMIs to help you make the right decision. Get a clear understanding of the loan before applying and plan your finances accordingly.

Documents Required for Home Loan

The documents required for a home loan are few, including:

 

  • Photograph
  • Bank account statements
  • Proof of business vintage
  • Latest salary slips or Form 16
  • Identity proof
  • Address proof

Applicants may often need to submit other documents to process the loan.

 

Home Loan Interest Rate, Fees & Charges

Bajaj Finserv brings nominal housing loan interest rate along with reasonable charges.

 

Types of rates Charges applicable
Promotional home loan interest rate (for salaried applicants) Starting from 8.60%
Rate of interest (for self-employed) 9.05% to 10.30%
Rate of interest (for salaried) 9.35% to 11.15%
Loan statement fees Rs. 50
Penal interest 2% per month
Processing charges (for self-employed) Up to 1.20%
Processing charges (for salaried) Up to 0.80%

 

How to Apply for Home Loan?

Go through a simple online process to apply for a home loan in Calicut.

 

  • Find our loan application on the website
  • Provide correct detail when filling it up.
  • Pay the secure fee via any preferred mode.
  • Submit the documents online. That’s it!

SMS ‘HLCI’ to 9773633633 if you want to apply offline with Bajaj Finserv.

 

Contact Us

New and existing customers can contact with Bajaj Finserv customer care for all queries related to our home loans.

1. For new customers,

  • we have a calling line set up at 1800-103-3535.
  • You can also visit any of our branches.
  • just SMS “HOME” to 9773633633 and our representative shall get back to you.

2. For existing customers,

  • we are available at 020-39574151 (call charges applicable)
  • You can also write to us at: wecare@bajajfinserv.in

 

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