Overview home loan
Situated on the banks of the River Hathmati, Himatnagar is a city in the Sabarkantha district of Gujarat. The economy of Himatnagar primarily relies on its ceramic industry and tourism.
Buying a property in this city is not an issue anymore, as you can do so with a home loan in Himatnagar from Bajaj Finserv. We provide home loans with competitive interest rates and flexible repayment tenor.
Features and benefits of home loan
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Submit only a few documents
You can avail a home loan by submitting only a few documents. It accelerates the home loan application process.
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Flexibility in repayment
Home loans offered by Bajaj Finserv come with a repayment period of up to 30 years. For an affordable borrowing, you can estimate the EMIs using an emi calculator and choose a repayment period accordingly.
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Foreclosure and prepayment facilities
You can now prepay or foreclose your home loan with Bajaj Finserv without bearing any extra charges.
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Transfer the loan balance easily
You can transfer your home loan balance without any hassle. Also, enjoy a lower home loan interest rate and other beneficial terms from Bajaj Finserv.
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Get a top-up loan
The top-up loan facility extended by Bajaj Finserv helps you to meet multiple financial needs. Moreover, you can get it without submitting any extra documents.
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Managing the loan account online
You can now manage your home loan account 24x7 using our dedicated customer portal – Experia.
Home loan interest rate, fees & charges
Bajaj Finserv levies a competitive home loan interest rate that starts from 8.45%* p.a. p.a. for both salaried and self-employed individuals. Additionally, housing loans with Bajaj Finserv does not entail any hidden charges. You can click here to learn about these fees and charges.
Home loan eligibility criteria
Below are the eligibility criteria to apply for home loan with Bajaj Finserv.
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Age
23-62 years** for salaried individuals and 25-70 years** for self-employed individuals.
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Work experience
At least 3 years of work experience for salaried individuals and 5 years of business continuity for self-employed applicants.
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Monthly income
Depends on your city of residence
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Citizenship
Only residing Indians
You can also check eligibility using a home loan eligibility calculator at Bajaj Finserv.
**Maximum age considered at the time of loan maturity.
Documents required for home loan
Besides, 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?
Follow the below-mentioned steps to apply for a home loan online:
- 1 Fill out the loan application form stating professional and personal details along with property information.
- 2 Submit this online loan application form and then book a loan offer by paying the fee online. A loan manager from Bajaj Finserv will contact you to complete the remaining process.
- 3 Afterwards, submit the scanned copies of required documents for housing loans online, and validate the loan application.
Alternatively, you can also apply offline by visiting our nearest branch. However, regardless of the application method, make sure to check your pre-approved offer.
Frequently asked questions
The crucial charges that you will have to pay against your home loan are processing fee, commitment fee, miscellaneous charges, etc.
Yes, you can get tax benefit on home loan under two sections, namely Section 80C and Section 24(B).
If you have an existing loan and you make regular repayments towards the loan amount, you may be eligible to obtain additional funds without submitting additional documents. This additional fund over and above the existing home loan is called a top-up loan.
