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Home Loan: Overview

Wardha is a city in the eastern part of Maharashtra well-known for being the home to a handful of India’s social reformers like Mahatma Gandhi, Vinoba Bhave, Baba Amte, etc. Wardha is also a significant tourist destination because of its rich history and culture. It also hosts an overflowing expanse of great water bodies.

Wardha is a great place to build a home or invest in one and we want you to actualize either of those amazing aspirations. You can take a home loan in Wardha through Bajaj Finserv to access all our incredible benefits.

Why should you choose a home loan from Bajaj Finserv? Read on to find out.

Why You Should Get a Home Loan in Wardha

Here are a few reasons illustrating why getting a home loan in Wardha is a favorable move:

  • You can access certain tax benefits

    You can access certain tax benefits

    Enshrined in the Income Tax Act are benefits you qualify for once you get a home loan. Among them are tax deductions every year for any principal repayments up to Rs.1/lakh and up to Rs.1.5/lakh per year for interest payments. 

  • Availability of pre-approved offers

    A great investment opportunity

    Acquiring a home loan is a real estate investment that can be profitable. Since you don’t have to worry about rent or construction costs, your asset continues to appreciate.

  • The PMAY Scheme

    The PMAY Scheme

    Pradhan Mantri Awas Yojana (PMAY) is a government endeavor that helps people from all economic groups to purchase their own homes. We made this available to our clients so they can access a 2.67%* interest subsidy on their home loans.

  • Home loan balance transfer

    Home loan balance transfer

    You can transfer the balance of an existing home loan to us and enjoy benefits like low interest rates and an option to extend your repayment tenor.

  • Top-up loan

    Top-up loan

    You can top-up your loan amount with up to Rs.1 crore to spend on big-ticket expenses, on top transferring your home loan balance to Bajaj Finserv.

  • Hassle-free Process

    Flexible tenor

    Our home loan deals come with a long repayment tenor of up to 30 years, so you can make payments in a stress-free way. This allows for an easy repayment schedule that is aligned with your financial standing.

  • Zero part-prepayment and foreclosure charges

    Zero part-prepayment and foreclosure charges

    Bajaj Finserv levies zero additional charges should you choose to prepay parts of your loan amount or foreclose your loan if it is convenient to you.

  • Basic documentation requirements

    Minimal documentation

    Applying for a home loan in today's time is quite a difficult and time-consuming process, but with Bajaj Finserv, you can rest assured that the whole process will be hassle-free and quick. We ask for minimal documentation and our easy-to-meet eligibility parameters ensure that you get the best and most satisfying service in the city. 

Current Interest Rate and Other Charges

An advantage of taking a home loan from us is that we offer it at a lower interest rate. We charge 8.60%* p.a. as interest on any loan amount. If you default on payment, you incur a 2% penal interest due every month. To process your application, we charge up to 7%.

Our other fees include a loan statement charge, a mortgage origination fee, an EMI bounce charge, and a one-time secure fee. These charges range from Rs.50 to Rs.9,999. There are certain tax deductions you can benefit from thanks to the Income Tax Act. These tax benefits help you save a lot of money.

How to Qualify for a Home Loan in Wardha

You need to meet certain criteria to qualify for our home loan package. You must be.

  1. An Indian resident in India.
  2. A salaried or professional applicant with at least three years of work experience.
  3. Between 23 to 62 years old if you receive a salary or 25 to 70 years if you’re self-employed.

In addition, you must have a credit score of up to 725 upwards.

The Documents You Need to Take a Home Loan in Wardha

To apply for a home loan in Wardha through us, you must provide original copies of the following: 

  1. Know Your Customer (KYC) documents.
  2. A passport photograph.
  3. Proof of your address and identity.
  4. Your recent salary slips or Form 16.

Steps to Apply for a Home Loan in Wardha

We have simplified the application process for a home loan. You can text ‘HLCI’ to 9773633633 as an SMS or follow the steps below:

  1. Fill in the appropriate personal, financial, employment, and property information on your application form.
  2. Submit your application and then, book a pre-approved offer by paying a one-time secure fee. This pre-approved offer is a way to accelerate your application processing. After that, the relationship manager will contact you regarding your application.
  3. Complete your application by uploading scanned copies of the documents and wait for the approval.
  4. Loan disbursal follows 48 hours* after the submission of documents.

A quick tip: Some documents cannot be uploaded online, so you might need to submit some of those documents physically at our closest branch to you.

Own a Home in Wardha Today

At Bajaj Finserv, we thrive on empowering our customers with the needed funds to acquire homes for their respective purpose. Our home loans contain lovely benefits that you can avail yourself of once you apply.

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