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Home Loan: Overview
Chomu is a city and municipality in Chomu Taluka within the Jaipur district of Rajasthan. It is a notable tourist destination with historical sites like Chomu Palace and Morija Fort.
If you plan to settle in Chomu, Bajaj Finserv can help you with an affordable home loan. You can avail home loan in Chomu with a seamless application process and easy-to-fulfil eligibility criteria. Apply now by visiting one of our two branches in Chomu. You can also apply online from the comfort of your home.
Home Loan in Chomu: Features and Benefits
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Benefits under PMAY scheme
Bajaj Finserv will help you get the benefits of the Pradhan Mantri Awas Yojana. With it, you can get interest subsidies of up to Rs.2.67 lakhs on your home loan.
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Easy home loan balance transfer
You can transfer your existing loan to Bajaj Finserv to enjoy a better home loan interest rate. We also offer top-up loans at nominal rates for a home loan balance transfer.
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Sizeable home loan top-up
You can opt for a top-up loan worth Rs. 1 Crore*, or more basis eligibility, if you are an existing home loan borrower.
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Home loan calculators
Bajaj Finserv offers reliable home loan EMI and Eligibility Calculators so that you can find the best home loan rates in Chomu.
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Foreclosure and part-prepayment facility
There are no charges for foreclosure and prepayment facilities for home loans with floating interest rates.
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Hassle-free documentation process
Bajaj Finserv makes its loan application process easier and faster with minimal documentation requirements.
Home Loan Interest Rates, Fees and Charges
Enjoy lower home loan interest rates from Bajaj Finserv starting at 8.70%* p.a. Besides the competitive interest rates, all our terms and conditions are 100% transparent with no hidden charges.
You can estimate the EMI using our home loan calculator and plan your home loan repayment for the future.
Home Loan Eligibility Criteria
Bajaj Finserv offers simple eligibility criteria for home loans. It is important that you fulfil the following home loan eligibility criteria to improve your chances of loan approval.
- Age: 23-62 years (salaried), 25-70 years (self-employed)
- Employment profile: Salaried or self-employed
- Occupation stability: 3 years of work experience (salaried), Vintage of 5 years in current business (self-employed).
- Minimum salary: Rs.25,000
- Residential status: Indian citizen residing in the country
- Minimum CIBIL score: 750
Documents Required for Home Loan
If you are looking for a housing loan in Chomu, you will need to carry the following documents:
- KYC documents and a passport-sized photograph
- Identity proof
- Address proof
- Income proof
- Other documents (Proof of business continuity for 5 years, ITR documents)
How to Apply for a Home Loan from Bajaj Finserv?
Apply online for a home loan in Chomu by following the given steps:
- Fill in the application form for home loans with personal, financial and employment, and property details
- Submit these details and pay a secure fee if you want to
- Our relationship manager will contact you to guide you through the rest of the application process
- Submit scanned copies of required documents when asked
Frequently asked questions
What does property registration mean?
Property registration means the registration of documents regarding the sale, lease or transfer of your property.
What are fixed and floating interest rates?
In fixed interest, the interest rate remains constant throughout the tenor. On the other hand, interest rate change depends upon market fluctuations for floating interest rates.
How does the loan tenor affect loan cost?
Ideally, the longer the tenor, the longer your EMIs and vice versa.
What happens if I miss an EMI payment?
If you fail to pay an EMI, you will have to pay a penalty for the same. Remember that non-payment of EMI can reflect in your credit profile.
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Did you know, a good CIBIL score can help you get a better deal on loans and credit cards?
