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Home Loan: Overview

Suratgarh is a city in the Ganganagar district of Rajasthan. The city is best known for its tourist spots, and its economy primarily depends on its defence and thermal power sector. The cement manufacturing units also play a significant part in its economy.

If you have been thinking about purchasing a property in this city, you can get a home loan in Suratgarh from Bajaj Finserv against an affordable interest rate.

Home Loan in Suratgarh: Features and Benefits

  • Minimum documentation

    Requires basic documentation

    Obtain a home loan from Bajaj Finserv by submitting a few basic documents.

  • PMAY

    Enjoy the benefits of PMAY

    Bajaj Finserv extends the benefits of PMAY and makes repayment more affordable.

  • Zero part-prepayment and foreclosure charges

    Prepayment and foreclosure facility

    Bajaj Finserv extends prepayment and foreclosure facilities for easier repayment of loans. Also, they do not entail any additional charges.

  • Home loan balance transfer

    Transfer the loan balance easily

    The loan balance transfer facility with Bajaj Finserv allows you to secure a lower home loan interest rate and get additional benefits.

  • Online account management

    24X7 loan account management

    With the assistance of Bajaj Finserv customer portal, you can now stay on top of your debt management. Pay EMIs and check loan balance status using it.

  •  Loan of Rs.5 Crores or More

    Get a top-up loan

    You can now get a top-up loan on top of your existing housing loan without submitting additional documents. Moreover, the funds have no end-use restrictions allowing you to meet an array of financial commitments.

  • Tenor

    Longer repayment period

    With Bajaj Finserv, you get a loan repayment period of up to 30 years. You can also estimate the monthly instalments using a home loan EMI calculator and then select a repayment tenor accordingly.

Home Loan Interest Rate, Fees & Charges

The home loan interest rate levied by Bajaj Finserv is competitive. It starts from 6.75%* pa for both salaried and self-employed individuals. Additionally, housing loans with Bajaj Finserv do not entail any hidden charges. You can click here to learn about these fees and charges.

An affordable home loan interest rate paired with the income tax benefits enables individuals to make notable savings on home loan repayment.

Home Loan Eligibility Criteria

The home loan eligibility parameters set by Bajaj Finserv are simple and easy to meet. Here are the particulars:
 

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

Documents Required for Home Loan

You need to submit the following set of documents to get a housing loan:
 

  • KYC documents
  • Address and Identity proof
  • Latest salary slips or Form 16
  • Bank account statement of prior 6 months
  • Business papers indicating 5 years continuity for self-employed individuals

How to Apply for a Home Loan?

Apply for a Bajaj Finserv Home Loan by following the steps mentioned below:
 

  • Step 1: Fill up the loan application form with required personal and professional information, and enter the information of property.
  • Step 2: Following that, you can book a home loan offer by paying the needed fee online. An executive of Bajaj Finserv will then get in touch with you to complete the remaining process.
  • Step 3: After that, submit the scanned copies of required documents for housing loans online. It will help to validate your loan application.

Stay informed about the essential documents beforehand and keep them handy for a hassle-free home loan application procedure.

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