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Home Loan: Overview

The city of Didwana is located in the Nagaur District of Rajasthan. It is famous for its tourism industry. The city is on the Northern side of Didwana Lake, connected to the rest of the country via rail and road.

You can now invest in the real estate sector in this city using a home loan in Didwana from Bajaj Finserv.

Home Loan in Didwana: Features and Benefits

  • PMAY

    Advantages of PMAY

    Bajaj Finserv is registered to extend the benefits of Pradhan Mantri Awas Yojana. You can now get competitive home loan rates by applying through this scheme.

  •  Loan of Rs.5 Crores or More

    Access additional funds through top-up loans

    You can also get access to a top-up loan without submitting any extra papers and at a competitive interest rate. Also, it has no restriction on usage.

  • Minimum documentation

    Nominal documentation

    Availing a home loan has become hassle-free with Bajaj Finserv. You need to submit only a few documents to complete the application.

  •  No prepayment or foreclosure charges

    Repayment flexibility

    Repayment of a home loan becomes easy with an available tenor of up to 30 years. You can use a home loan EMI calculator to estimate the monthly instalments beforehand.

  • Zero part-prepayment and foreclosure charges

    Prepayment and foreclosure option

    Bajaj Finserv extends different repayment options including prepayment and foreclosure facilities. It eases this loan repayment process and does not impose any extra charges.

  • Home loan balance transfer

    Hassle-free balance transfer

    The home loan balance transfer facility extended by Bajaj Finserv is a hassle-free one, and it allows you to secure a lower home loan interest rate along with other advantages.

  • Online account management

    Easy management of loan account

    The Bajaj Finserv online customer portal allows you to manage your loan account anytime and anywhere.

Home Loan Interest Rate, Fees & Charges

The applicable housing loan interest rate with Bajaj Finserv is affordable, as it starts from just 6.75%* pa for self-employed as well as salaried applicants. Moreover, the processing fee is also nominal. It is 0.80% for salaried borrowers and 1.20% for self-employed individuals.

Moreover, there are no hidden charges on a housing loan from Bajaj Finserv. You can know more about these charges by clicking here.

Home Loan Eligibility Criteria

Bajaj Finserv has set lenient and easy-to-meet home loan eligibility parameters, which you should know before applying:

  • Age: 23-62 years for salaried individuals and 25-70 years for self-employed individuals.
  • Work experience: At least 3 years of work experience for salaried individuals and 5 years of business continuity for self-employed applicants.
  • Monthly income: Depends on the city you reside in
  • Citizenship: Only Indian citizens

Documents Required for Home Loan

Additionally, you need to submit the following documents to get a housing loan:
 

  • KYC documents
  • Identity and address proof
  • Current salary slips or Form 16
  • Bank account statement of last 6 months
  • Business documents indicating 5 years continuity for self-employed individuals

How to Apply for a Home Loan?

You can apply for a home loan through these steps:
 

  • Step 1: Submit the loan application form with property information and professional and personal details.
  • Step 2: After the submission of a loan application, you can book a housing loan offer by paying the required fee online. A loan manager from Bajaj Finserv will contact you to conclude the remaining process.
  • Step 3: After that, submit the scanned copies of required documents for housing loans online to validate the loan application.

Know the home loan eligibility beforehand and try to meet these parameters to enjoy quick approval on application.

Did you know, a good CIBIL score can help you get a better deal on loans and credit cards?