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Home Loan: Overview

In a challenging global economy, it’s becoming more and more difficult for many people to own homes in a city like Junagadh. However, you can still become a homeowner if you know the right steps to take. Opt for a housing loan from Bajaj Finserv, which enables you to buy your dream house in a stress-free manner.

Home Loan in Junagadh: Features and Benefits

Below are the features and benefits of taking a Bajaj Finserv Home Loan in Junagadh:

  • Tenor

    Long repayment tenor 

    When you take a home loan from Bajaj Finserv, you will get a repayment tenor of up to 30 years. This takes away the pressure of repaying your loan within a short period.

  • Competitive interest rate

    Low interest rates

    We now offer home loans in Junagadh at 8.70%* p.a., which is a competitive rate. This rate cut forms part of our efforts to lessen the burden of taking a loan. Our low-interest rates also translate into low equated monthly instalments (EMIs), meaning that you will spend less to service your loan

  • Online account management

    Online account management

    You can perform operations like viewing your loan statement from home with our customer-friendly online portal. You do not need to visit our physical branch, simply visit our website, log in to your dashboard, and find any information on your loan.

  • Disbursal in 48 hours*

    Swift loan disbursal 

    Gone are the days of long processing and disbursal times. We do not require many documents, and this effectively decreases the time spent to process and approve your application. Upon approval of your application, Bajaj Finserv pays the desired loan amount within 48 hours* of you submitting all the required documents.

  • 5,000 approved housing projects

    5,000 approved housing projects

    If you are unsure about the home you’d like to own, why not look at our directory of over 5,000 approved housing projects? We also guarantee the timely processing of your application. 

Home Loan in Junagadh: Interest Rate, Fees, and Charges

Thanks to the lower interest rate on any loan amount that you apply for, our home loan in Junagadh is very affordable. Additionally, we charge minimal processing fees, penal interest, loan statement charges, mortgage origination fees, and EMI bounce charges, which makes taking a loan from us quite beneficial.

When you take a home loan from us, you qualify to enjoy amazing tax cuts on your loan, as provided by the Income Tax Act. This lets you save money on loan repayment.

Home Loan in Junagadh: Eligibility Criteria

We have made our home loan eligibility criteria less cumbersome to accommodate everyone. A standard requirement is being an Indian citizen living in India. Here are the other requirements below:

  • Salary earners must be between the ages of 23 and 62 years, while self-employed applicants must be between 25 and 70 years.
  • Salaried applicants must have work experience of up to 3 years and a minimum of 5 years is required from self-employed individuals.

Documents Required to Take a Home Loan in Junagadh

Below is a list of the documents we need to process your loan application:

  • KYC documents plus a passport-size photograph
  • Proof of identity and address
  • Recent salary slips of up to 3 months
  • Bank account statements dating back to 6 months

How to Apply for a Home Loan in Junagadh

You can apply for a Bajaj Finserv Home Loan by following the below steps

  • Fill out the application form with the required details and submit it.
  • If you desire to access a pre-approved loan, simply pay a one-time secure fee. A relationship manager will contact you to move forward with your application.
  • Upload your documents into our online system to verify your application. Note, however, that there are documents you cannot upload online. So, we may ask you to visit our nearby branch to submit certain documents in person.

Own Your Dream Home in Junagadh Today

Become a bonafide homeowner today by applying for a home loan through Bajaj Finserv. Check your EMI through home loan EMI Calculator. We are a customer-oriented housing finance company with the best home loan rates in Junagadh. We have an unwavering commitment to provide you with exciting offers that suit your needs.

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