A home loan is an amount of money that an individual borrows from a bank or money lending company at a certain rate of interest to be paid with the EMI every month. The property is taken as a security by the money lending company for the Home Loan.
The property can either be commercial or personal in nature.
When the borrower cannot pay the dues, the lender will possess all the legal rights to recover the outstanding loan amount by sale of the property in question.
This is the loan that one takes for purchasing a home.
This loan covers expenditure related to repairs of your home or even renovation.
This loan comes in handy when you are building a new house.
Someone wishing to buy a plot of land for constructing his/her own house can avail this loan.
Suppose you plan to add another room, garage, bathroom or kitchen to your home. This is the loan that you should apply for and this also comes in handy if you are planning to have another floor.
These are loans taken by two people or even more. For instance, spouses can apply for joint home loans.
You can use this mechanism to switch your outstanding loan amount to a different lender with better terms and conditions and lower interest.
This kind of loan helps you borrow some more money above the outstanding loan amount. There are attractive rates of interest offered by Bajaj Finserv in case of top-up loans.
Above 24 years of age at the time of borrowing the loan
Within 65 years of age or superannuation (for salaried individuals) whichever is earlier at the time of maturity of the loan
Salaried individuals working in reputable companies
Self-employed non-professionals or businessmen
Application form duly filled and signed
Proof of residence
Latest Salary Slip
Bank statement for 6 months
Income Tax returns / Form 16 for 3 years
Business Existence Document
P/L Statement for 3 years
Balance Sheet for 3 years
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