Hi dear readers, hope you are doing well, today we will know about How to get Saraswat Bank Home Loan, Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.
Saraswat Bank home loan comes under the category of secured loan. To take this loan, the bank has to give some guarantee to the applicant. Like other banks, Saraswat Bank also provides home loan facility to the customers. The bank offers a variety of home loan schemes.
If you want to take advantage of, you can apply for it. In this article, we will know what is Saraswat Bank Home Loan, what is the interest rate, documents, eligibility etc. of the loan, so read this article till the end.
Saraswat Bank Home Loan
Build or renovate a home home loan can take of applicant for home loan CIBIL Score must be good If your credit score and income is high, then you can get a home loan up to a higher loan amount. from this bank Pradhan Mantri Awas Yojana (PMAY) You can get subsidy on home loan. Under Saraswat Bank Home Loan interest rate starts from 7.50% p.a. Up to 25% discount is provided on processing fee. You can take a loan to build or buy a house or flat.
You can get 70 lakh under Saraswat Bank Home loan. If your CIBIL score is very good then you can get home loan up to higher loan amount and at attractive interest rates. The maximum repayment period of the loan is 20 years.
Key Features of Saraswat Bank Home Loan 2024
- Loan Name: Saraswat Bank Home Loan 2024
- Lending Bank Name: Saraswat Bank
- Loan Amount: Up to Rs.70 Lakh
- Interest Rate: Starting from 7.50% pa
- Processing Fee: Nil up to Rs 30 lakh
- Loan tenure : 20 years
- Official Website: https://www.saraswatbank.com/
Saraswat Bank Home Loan Interest Rate 2024
Interest rate of Saraswat Bank Home Loan starts from 7.50% p.a. If your CIBIL score is very good then you can take advantage of the attractive interest rates of the bank. Before taking a personal loan, we should Personal Loan Interest Rate.
Similarly, before taking a home loan, we need to know about Home Loan Interest Rate. It is necessary to have information about If you apply for that loan without knowing the exact interest rate of the home loan, then you may have to face difficulties at the time of repayment of the loan.
Saraswat Bank Home loan based on CIBIL score are as follows :
| CIBIL Score Based ROI | |||
|---|---|---|---|
| Loan Amount | 750 and Above | Less than 750 upto 700 / -1/ 0 | Less than 700 |
| Upto Rs.35 Lakh | 7.50% | 8.00% | 8.50% |
| Above 35 lakh upto 70 lakh | 8.15% | 8.50% | 8.60% |
| Above 70 lakh up to 140 lakh | 9.00% | 9.50% | – |
*T&C Apply
Present PLR @ 14.75% p.a.
Saraswat Bank Home Loan Benefits and Features
- Any person house or flat One can take this home loan to buy, renovate it.
- You can take this loan for the construction of your own house.
- This loan can be taken for purchase of ready-made house/flat/resale flat.
- You can take this home loan for acquisition of home loan from other banks/institutions.
- Maximum loan amount up to Rs 70 lakh.
- The interest rate of this home loan starts from 7.50% p.a.
- The maximum repayment period of the loan is 20 years.
- Shareholding – As per existing shareholding norms.
- Security:
- Equitable/Legal Mortgage of the house property to be purchased.
- Spouse Guarantee |
- Personal Guarantee may be considered based on the merits of the offer.
- Saraswat Bank Home loan, you can also take advantage of top up loan.
top up loan
- Under this loan, you can take a maximum loan of Rs 50 lakh.
- The maximum repayment period of the loan is 20 years.
- The ROI on top-up loan will be fixed at 8.00% p.a.
- Top-up loans can be considered for home renovation/renovation.
- The maximum loan amount for home repair and renovation is Rs.10.00 lakhs in Metro and Rs.6.00 lakhs in other centers.
- To avail this loan, the existing The outstanding balance of the home loan and the proposed top up loan should not exceed Rs 70 lakh.
Saraswat Bank Home Loan Eligibility
You can apply for the loan only if you are eligible for this loan. If you are not eligible for this home loan then you cannot apply. To apply for Saraswat Bank Home Loan, you must have the following eligibility:-
- All salaried employees / businessmen / professional individuals can apply for this loan.
- Applicant should have regular source of income.
- Salaried employees for at least 2 years There should be service
- should not exceed 65% of the total cost of the project and the construction should be completed within 24 months, while availing the loan for the construction of the house.
Documents Need for Saraswat Bank Home Loan
Before applying for the loan, you should keep all your documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. To apply for Saraswat Bank Home Loan, you must have the following documents:
- Duly filled prescribed application form.
- Latest photo, photo identity proof, residence proof of applicant and guarantors.
- For Salaried: Salary slip for last 3 months and bank statement or ITR for last 3 months or Form 16 for two years
- For Businessmen: Profit & Loss & Balance Sheet of last 3 years, ITR Copies of last 3 years, 3 Months Bank Statement.
- Documents for making Mortgage as per requirement.
Saraswat Bank Home Loan Apply
If you fulfill all the conditions of Saraswat Bank Home loan, then you can apply for it both online and offline. Information about the process of applying is given here.
Saraswat Bank Home Loan Online Apply
- To apply online, you must first visit the official website of the bank. www.saraswatbank.com But have to come
- In the option of Personal on the home page of the website The option of Retail Loans will appear, click on it.
- on the next page you Vastu Siddhi Home Loan Click on this option will appear.
- On the next page, all the information related to home loan will come in front of you.
- You have to get this information right.
- His After applying, you have to click on the option of Apply Now.
- A form will open in front of you.
- Enter the requested information in the form and submit the form.
- After that the bank employees will contact you and the loan process will be issued further.
How to apply offline ?
- To apply offline, you have to first go to your nearest bank branch.
- You have to contact the bank employee by going to the bank branch.
- The bank employee will provide you all the information related to the home loan.
- After that your documents will be verified then you will be given a form.
- You have to enter the information asked in the form correctly, attach your documents and deposit it in the bank there.
- In this way you can apply offline.
Saraswat Bank Personal Loan EMI Calculator
Whenever you apply for this home loan, before that you must calculate the EMI (Equated Monthly Installment) of your loan so that you can find out how much installment you will have to pay at the time of loan repayment. The EMI of the loan depends on the main three factors – loan amount, interest rate and loan tenure. You can go to the official website of Saraswat Bank Home Loan EMI Calculator With the help of this you can calculate the EMI of your loan. If you do not calculate the EMI of your loan before applying for the home loan, then you may face difficulties at the time of loan repayment.
Saraswat Bank Home Loan Customer Care Number
If you have any other type of information regarding the loan, then you can get information by visiting your nearest bank branch or by calling Saraswat Bank Home Loan customer care number.
- Toll Free: 1800229999/ 18002665555
Conclusion:
In this article we have given you Saraswat Bank Home loan Tried to provide complete information about If you want to take advantage of Saraswat Bank home loan, then you can read this article to know about the complete process of applying for this loan.
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FAQs on Saraswat Bank Home Loan
What is Saraswat Bank Home Loan ?
If any person takes a loan to build a house, buy a house or renovate a house, then it is a home loan. Like other banks, Saraswat Bank also provides home loan facility to the customers.
Up to what amount loan can be taken under Saraswat Bank Home Loan ?
Maximum up to Rs 70 lakh.
What is the loan tenure of Saraswat Bank home loan ?
up to 20 years
How can I apply for Saraswat Bank Home loan ?
Complete information about applying for this home loan is given in this article. You can apply for this loan by reading this article.
What is the home loan interest rate in Saraswat Bank ?
The interest rate of this loan starts from 7.50% per annum.