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Home Loan: Overview

A home is a lucrative asset regardless of the location. If you desire to own one in the historically rich city of Sikar but lack the finances, a home loan can help you own a house in Sikar.

Bajaj Finserv is a Non-Banking Financial Company (NBFC) determined to see you become a homeowner. We have a variety of home loan deals in Sikar to suit our customers’ diverse wishes. We offer the best home loan interest rates in Sikar today, and that is one of the many advantages that you stand to enjoy when you apply for a home loan with us.

You can use our catalogue of 5000+ approved housing projects to find the one that suits your style. We promise you a hassle-free application, a customer-friendly experience, and lots more.

Home Loan in Sikar: Features and Benefits

To see what you stand to benefit from availing yourself of a home loan in Sikar through Bajaj Finserv, read on:

  • Competitive interest rate

    Reasonable interest rate

    Starting at 8.30%* p.a., we offer the best home loan interest rates in Sikar. Alongside this low rate, you will pay EMIs starting from a moderate amount of Rs.755* per lakh.

  • High-value loans

    Take advantage of our high-value home loan offers today. You can take up to Rs.5 crores and more based on your home loan eligibility.

  • Customized repayment options

    Home loan balance transfer

    When you move your home loan balance to Bajaj Finserv, several privileges await you. We charge a low-interest rate for home loan balance transfer, which allows you to pay low EMIs. We also provide you with a top-up loan of up to Rs.1 crore or even higher, basis eligibility, that you can spend on anything.

  • Hassle-free Process

    Personalized repayment

    To satisfy our customers, we offer many repayment options that enable you to pay according to your financial strength. You will be offered a fair repayment schedule that doesn’t derail your future savings or break the bank.

  • Hassle-free Process

    48-hour disbursal

    We understand you might need the loan urgently, so upon approval of the submitted documents, we pay your desired loan amount within 48 hours*.

Home Loan in Sikar: Interest Rate, Fees and Charges 

Our low home loan interest rate makes it easy to avail yourself of a Bajaj Finserv Home Loan in Sikar. Your eligibility defines your final rate, which can be begin at 8.30%* p.a. To process your application, we charge up to 7%.

Additional fees that you’ll pay include a one-time secure fee, loan statement charges, penal interest, and a non-refundable mortgage origination fee. There are no more fees besides the above ones. You enjoy the best home loan interest rate in Sikar plus tax benefits that fall under the Income Tax Act.

Loan type Home loan
Interest rate type Floating
For salaried applicants 8.30%* to 14.00%*
For self-employed applicants 8.55%* to 14.00%*
Loan type Top-up loan
Interest rate type Floating
For salaried applicants 9.20%* to 15.00%*
For self-employed applicants 9.40%* to 15.00%*
Loan type Home loan balance transfer
Interest rate type Floating
For salaried applicants 8.30%* to 14.00%*
For self-employed applicants 8.90%* to 14.00%*

Home Loan in Sikar: Eligibility Criteria

We do not need much from you because we want to make the application process stress-free. To qualify for our housing loan in Sikar package, you must live in India as a bonafide citizen—this is the basic prerequisite.

Other eligibility criteria are: 

Eligibility Criteria Details
Age (for salaried) 23 to 62 years
Age (for self-employed) 25 to 70 years
Business vintage At least 5 years
Work experience Minimum 3 years
Nationality Indian (resident)
 

Note that the upper age limit is considered as the applicant’s age at the time of loan maturity.

You can check your eligibility with our easy to use home loan eligibility calculator.

List of document Required for Home Loan

Just like the eligibility criteria, we do not demand many documents. By requiring a few documents, we speed up the processing and disbursal times for your loan application.

Below is a list of the documents needed to apply for a home loan in Sikar:

  • KYC documents and a photograph (passport size)
  • Proof of address and identity
  • Recent salary slips or Form 16
  • Bank account statements of up to 6 months
  • Proof of business (for self-employed applicants only)

How to Apply for a Home Loan in Sikar

Apart from texting “HCLI” as an SMS to 9773633633, you can apply through our website. Below are the simple steps to follow:

  • Complete the home loan application form with your details (personal, financial, employment, and property)
  • To reserve a pre-approved loan offer, kindly pay the one-time secure fee required for this action. After paying, a relationship manager will contact you with details on further steps.
  • Scan and submit the required documents to authenticate your application. You may be required to submit certain documents in person.

A quick tip: We recommend that you leverage the pre-approved offers, as it guarantees you a swift approval and payment of the loan amount.

Become Sikar’s Newest Homeowner Today

You can own a home in Sikar through Bajaj Finserv. We customize our deals to meet the needs of all customers, and our priority is to empower customers with the funds to actualize their long-time dream of owning a house.

You can use our Home Loan EMI calculator to get a clear understanding of the amount that needs to be paid towards monthly home loan EMI, total interest amount payable.

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