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Home Loan: Overview

Halvad is a town in the Morbi district of Gujarat. It is a popular tourist destination due to its proximity to the Little Rann of Kutch and the Indian Wild Ass Sanctuary. Apart from that, there are various temples and places of worship scattered across this town.

Residents here willing to invest in real estate can get a home loan in Halvad from Bajaj Finserv against an affordable rate of interest and nominal processing fees.

Home Loan in Halvad: Features and Benefits

  • Tenor

    Flexible repayment tenor

    Bajaj Finserv Home Loans come with an extended repayment tenor of 30 years. You can use a home loan EMI calculator to estimate EMIs beforehand and then select a repayment period as per your suitability.

  • Zero part-prepayment and foreclosure charges

    Opt for prepayment or foreclosure

    You can also close your housing loan account before the end of tenor by opting for prepayment or foreclosure. Additionally, you need not to bear any additional charges for it.

  • Top-up loans to meet various expenses

    Access to a top-up loan helps current Bajaj Finserv customers meet an array of monetary needs. You can get a top-up loan without submitting any additional documents.

  • Minimal Documentation 

    Nominal documentation

    Applying for a housing loan is now simple and hassle-free. You can do it by submitting only a few essential documents.

  • Hassle-free Balance Transfer Facility

    Balance transfer facility

    Bajaj Finserv offers an easy housing loan balance transfer facility, which allows you to enjoy the best possible home loan rates alongside other benefits.

  • Online account management

    Online loan account management

    The customer portal of Bajaj Finserv helps you to stay updated with your loan repayment. Also, you can make EMI payments and download multiple loan related documents through this portal.

  • Pradhan Mantri Awas Yojana

    Indian Government’s flagship affordable housing scheme, i.e. PMAY, can be accessed through Bajaj Finserv as well. You can avail a lower home loan interest rate under this scheme.

Home Loan Interest Rate, Fees & Charges

Home loan interest rate charged by Bajaj Finserv is affordable, and it does not entail any hidden charges. You can learn about these fees in detail by click here.

Competitive home loan interest rates, and income tax benefits allow you to save on the repayment of this loan.

Home Loan Eligibility Criteria

The home loan eligibility parameters set by Bajaj Finserv are as follows:

  • 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 provide the following documents to get a home loan in Halvad:

  • 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 simply follow these steps to submit your home loan application online:

  • Step 1: Fill-up and submit the loan application form with professional and personal details along with property information.
  • Step 2: After submitting the loan application, you can then book a loan offer by paying the fee online. A loan manager from Bajaj Finserv will contact you afterwards to progress with the remaining process.
  • Step 3: After that, submit the scanned copies of required documents for housing loans online for validation.
Know the various factors that can affect the affordability of your home loan. Also, try to maintain a low FOIR (fixed obligations to income ratio) to improve your eligibility.

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