SADBHAV NAGRIK SAHKARI BANK MARYADIT
Housing Loan
A home loan is a financing solution that the customer can avail of to buy his/her desired property.
Key Takeways
- A home mortgage is a loan given by a bank, mortgage company or other financial institution for the purchase of a residence.
- A home mortgage will have either a fixed or floating interest rate, and a lifespan of anywhere from three to 30 years
- The lender who extends the home mortgage retains the title to the property, which it gives to the borrower when the mortgage is paid off.
Rate of Interest for Housing/Home Loan
The Bank is charging 12.5% on Housing/Home Loans.
Documents and Details required for Housing/Home Loan are as follows:
- CIBIL Report
- Bank Statement
- Authorized House Map
- Income Tax Return
- Mortgage Deed
- Property for Mortgage
- Diversion
- Namantaran/Mutation
- Bhu Pustika
- Life Insurance
- Collateral Insurance
- Co-Applicant/Gurantor Details
- Applicant KYC
- Co-Applicant/Guarantor KYC
- Mobile Number
- Valuation Report
- Search Report
Fees structure for Housing/Home Loan
Fees Structure for Housing/Home Loan are as follows:
| S.No. | Expense Title | Fees/Expense |
|---|---|---|
| 1. | Share Capital | 2.5% of Sanction Amount |
| 2. | Processing Fees | 2% of Sanction Amount |
| 3. | GST | 18% GST on Processing Fees |
| 4. | Building Fund | INR 250 |
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| Accounts | Deposits and Investments | Loans and Advances | Payments | Interest Rates and Charges | Other Useful Links | Request or Enquiry Form |
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| Saving Account | Fixed Deposit | Commercial Loan | NEFT | RBI Kehta Hai | ||
| Current Account | Recurring Deposit | Housing Loan | RTGS | RBI Circular Index |
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