JK Bank Home Loan, जेके बैंक होम लोन, JK Bank Home Loan Interest Rate, जेके बैंक होम लोन ब्याज दर, JK Bank Home Loan Interest Rates, जेके बैंक होम लोन की ब्याज दरें, JK Bank Home Loan Processing Fee, JK Bank Home Loan EMI Calculator, जेके बैंक आवास ऋण ब्याज दर, JK Bank Home Loan Eligibility, JK Bank Home Loan CIBIL Score, JK Bank Housing Loan Interest Rate, Jammu & Kashmir Bank Home Loan 2024 Interest Rates,
Jammu & Kashmir Bank Limited is an Indian public sector bank headquartered in Srinagar, Jammu and Kashmir, Founded by the ruler of Jammu and Kashmir, Maharaja Hari Singh, as the name suggests it is located in Jammu and Kashmir, Jammu & Kashmir Bank offers home loan for multiple reasons, Jammu & Kashmir Bank Home Loan Find out all the information below.
J&K Bank Home Loan, जेके बैंक होम लोन,
J&K bank home loans are available to all people, state and central government employees and employees of private companies, self-employed persons and retired persons are also eligible for home loan from Jammu and Kashmir.
Jammu and Kashmir Bank home loan can be used to buy your house, a new house or a plot in an apartment in your existing land or if you want to do house renovations, Jammu and Kashmir Housing Loan are the best in the market and their interest rates are very attractive.
Jammu & Kashmir Bank Home Loan Eligibility, जेके बैंक होम लोन पात्रता,
Eligibility criteria for home loan from J&K Bank are same as all bank, state government, central government permanent employees and people having normal source of income can avail home loan, Employees of reputed companies and should have at least 3 years of working experience, self-employed persons and should have at least 3 years of experience in the current line of business.
Persons involved in agriculture and other related activities, retired employees working in State Government or Central Government organizations are eligible, At the time of home loan application, the minimum age of the applicant should be 18 years, at the time of loan maturity, the maximum age limit of the applicant should be 70 years, many things about JK home loan can be found below in detail.
| Nationality | Resident of India and non-resident Indians |
| Age Limit | Minimum age 18 year Maximum age 70 year |
| Employment type | (1) Salaried / self-employed / businessmen with 3 years experience in current profession. (2) Employees of State / Central / Semi Government Organisations / Autonomous Organisations. (3) Retired employees of State/Central Govt/PSU. (4) Persons engaged in agriculture and related activities. |
Jammu & Kashmir Bank Home Loan Document
| Age Proof | PAN Card, Voter ID, Aadhaar Card, Passport, Driving License |
|---|---|
| Identity proof | Aadhaar Card, Voter ID, Passport, Driving License. |
| Address proof | Aadhaar Card, Passport, Voter ID, Driving License Bank Passbook. |
| Income proof | Bank statements of 6 months, Salary Slips, Form 16 / income tax Return Copies |
| Property documentation | Sale Deed / Proparty Agrement Details etc. |
J&K Bank Home Loan Processing Fee, जेके बैंक होम लोन प्रोसेसिंग शुल्क,
When you apply for a home loan in Jammu & Kashmir Bank, you will be charged a certain amount for the services provided, this amount is called Home Loan Processing Fee.
Home Loan Processing Charges will be 0.25% of Loan amount + applicable GST on the total home loan amount you are applying for, if the application is rejected the amount will not be refunded to you.
Applicants should remember that J&K Bank Home Loan Processing Fee is not the only amount you have to pay, there are other charges too, so it is better for everyone to know the details of J&K Bank Home Loan Processing Fee in advance.
| Processing charges | 0.25% of Loan amount + applicable GST Minimum Rs 2000+ GST Maximum Rs 50000+ GST |
| Inspection Charge | Actual transportation charges or Rs. 500/- + applicable GST (whichever higher) |
Jammu & Kashmir Bank Home Loan EMI Calculator, जेके बैंक होम लोन ईएमआई कैलकुलेटर,
When you want to take a J&K Bank home loan click here Take an informed decision with JK Bank Home Loan EMI Calculator, which helps you know the home loan total amount and home loan interest rates, home loan tenure and many more important details.
Jammu & Kashmir Bank Home Loan CIBIL Score, जेके बैंक होम लोन सिबिल स्कोर,
CIBIL score is a number used to indicate a person’s creditworthiness, credit score is a three digit number ranging from 300 to 900 used to determine a person’s creditworthiness, CIBIL score is primarily based on a credit report,
Having a higher CIBIL score can get you more benefits like a higher loan amount, lower interest rate and the tenure you choose to repay the loan.
JK Bank Home Loan Interest Rate, जेके बैंक होम लोन की ब्याज दरें,
It is very important to know the interest rate when you apply for Jammu & Kashmir Bank Home Loan, the home loan interest rate affects how much home loan you take and the total EMI you have to pay, so keep the interest rate in mind whenever you apply for a Jammu & Kashmir Bank Home Loan. Well, JK Bank Home Loan Interest 2024 Check Here More Home Loan Interest Rates.
| Quantum of Finance | Credit / CIBIL Score | LTV | Interest rate | ||
| SALARIED | NON-SALARIED | ||||
| *JKB Preferred | Other Salaried | ||||
| Upto Rs 30.00 Lacs | Above 800 | < 80% | HLRLLR-35 BPS(Currently 8.75%) | HLRLLR-35 BPS(Currently 8.75%) | HLRLLR- 25 BPS(Currently 8.85%) |
| >80% and <90% | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-05 BPS(Currently 9.05%) | ||
| 751-800 | < 80% | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-05 BPS(Currently 9.05%) | |
| >80% and <90% | HLRLLR(Currently 9.10%) | HLRLLR+05 BPS(Currently 9.15%) | HLRLLR+15 BPS(Currently 9.25%) | ||
| 701-750 | < 80% | HLRLLR(Currently 9.10%) | HLRLLR+05 BPS(Currently 9.15%) | HLRLLR+15 BPS(Currently 9.25%) | |
| >80% and <90% | HLRLLR(Currently 9.10%) | HLRLLR+25 BPS(Currently 9.35%) | HLRLLR+35 BPS(Currently 9.45%) | ||
| 700 or below | < 80% | HLRLLR(Currently 9.10%) | HLRLLR+25 BPS(Currently 9.35%) | HLRLLR+55 BPS(Currently 9.65%) | |
| >80% and <90% | HLRLLR+20 BPS(Currently 9.30%) | HLRLLR+45 BPS(Currently 9.55%) | HLRLLR+75 BPS(Currently 9.85%) | ||
J&K Bank Housing Loan Interest Rate, जेके बैंक आवास ऋण ब्याज दर,
| Above 800 | < 70% | HLRLLR-35 BPS(Currently 8.75%) | HLRLLR-35 BPS(Currently 8.75%) | HLRLLR- 25 BPS(Currently 8.85%) |
| >70% and <80% | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-05 BPS(Currently 9.05%) | |
| 751-800 | < 70% | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-05 BPS(Currently 9.05%) |
| >70% and <80% | HLRLLR(Currently 9.10%) | HLRLLR+05 BPS(Currently 9.15%) | HLRLLR+15 BPS(Currently 9.25%) | |
| 701-750 | < 70% | HLRLLR(Currently 9.10%) | HLRLLR+05 BPS(Currently 9.15%) | HLRLLR+15 BPS(Currently 9.25%) |
| >70% and <80% | HLRLLR(Currently 9.10%) | HLRLLR+25 BPS(Currently 9.35%) | HLRLLR+35 BPS(Currently 9.45%) | |
| 700 or below | < 70% | HLRLLR(Currently 9.10%) | HLRLLR+25 BPS(Currently 9.35%) | HLRLLR+55 BPS(Currently 9.65%) |
| >70% and <80% | HLRLLR+20 BPS(Currently 9.30%) | HLRLLR+45 BPS(Currently 9.55%) | HLRLLR+75 BPS(Currently 9.85%) |
Jammu & Kashmir Bank Home Loan Interest Rate, जम्मू एवं कश्मीर बैंक गृह ऋण ब्याज दर
| bove Rs 75.00 lacs | Above 800 | < 65% | HLRLLR-35 BPS(Currently 8.75%) | HLRLLR-35 BPS(Currently 8.75%) | HLRLLR- 25 BPS(Currently 8.85%) |
| >65% and< 75% | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-05 BPS(Currently 9.05%) | ||
| 751-800 | < 65% | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-15 BPS(Currently 8.95%) | HLRLLR-05 BPS(Currently 9.05%) | |
| >65% and< 75% | HLRLLR(Currently 9.10%) | HLRLLR+05 BPS(Currently 9.15%) | HLRLLR+15 BPS(Currently 9.25%) | ||
| 701-750 | < 65% | HLRLLR(Currently 9.10%) | HLRLLR+05 BPS(Currently 9.15%) | HLRLLR+15 BPS(Currently 9.25%) | |
| >65% and< 75% | HLRLLR(Currently 9.10%) | HLRLLR+25 BPS(Currently 9.35%) | HLRLLR+35 BPS(Currently 9.45%) | ||
| 700 or below | < 65% | HLRLLR(Currently 9.10%) | HLRLLR+25 BPS(Currently 9.35%) | HLRLLR+55 BPS(Currently 9.65%) | |
| >65% and< 75% | HLRLLR+20 BPS(Currently 9.30%) | HLRLLR+45 BPS(Currently 9.55%) | HLRLLR+75 BPS(Currently 9.85%) |
NOTE – Jammu & Kashmir Bank Interest Rate varies according to the bank’s discretion, the information given here is only the current interest rates given by the bank, when you want to take a home loan in the bank, you should visit the https://www.jkbank.com/loans/personal/customerHousingLoans.php official website of the bank and confirm.