Saraswat Bank Home Loan 2024 Interest Rates, सारस्वत बैंक होम लोन, Saraswat Bank Home Loan, Saraswat Bank Home Loan Interest Rate, सारस्वत बैंक गृह ऋण ब्याज दरें, Saraswat Bank Home Loan Interest Rates, Saraswat Bank Home Loan Processing Fee, सारस्वत बैंक होम लोन ब्याज दर, Saraswat Bank Home Loan EMI Calculator, Saraswat Bank Home Loan Eligibility, Saraswat Bank Home Loan CIBIL Score,
Saraswat Cooperative Bank Limited is a cooperative bank in India, headquartered in Mumbai, Maharashtra, India, which provides all financial services to customers like Saving Deposit, Fixed Deposit, Recurring Deposit, Home Loans, Personal Loan, Car Loan, Education Loan, Gold Loan, Saraswat Bank Limited Home Loan Benefit, Eligibility, Margin, Home Loan Repayment, Security, Document Required for Home Loan from below.
Saraswat Bank Home Loan, सारस्वत बैंक होम लोन,
Saraswat Bank primarily offers innovative home loan solutions to urban based traders and agriculturist customers linked to their wide range of retail products, Saraswat Bank plays a major role in realizing your home dream,
Saraswat Bank named their home loan scheme as Vastu Siddhi Home Loan and gives loan under Special Scheme for Defense Forces, this is good news for anyone hoping to buy a home, Saraswat Bank offers the following for their home loan, home loan application process is very fast, see details below.
Saraswat Bank Home Loan Eligibility, सारस्वत बैंक गृह ऋण पात्रता,
Saraswat Bank has included all properties requiring a home loan under a scheme called Vastu Siddhi Home Loan, a scheme specially designed for Indians, Age and employed or self-employed financial status are very important for Saraswat Bank Home Loan. Eligibility See table below.
| Age Limit | Minimum Age Limit 23 years Maximum Age Limit 65 years |
| Type of Employment | (1) Salaried or (2) self-employed (3) defense personnel |
| Income Requirement | Minimum of Rs.30,000 per month |
| Nationality | Resident Indian |
| Work Experience | Minimum of 2 years |
Saraswat Bank Home Loan Documents Required
Anyone in Saraswat Bank India can apply for a loan with the Vastu Siddhi Home Loan application at a branch or you can apply online on their web portal with basic details expressing your interest to have a bank representative contact you.
Applicants for Vastu Siddhi Home Loan from Saraswat Bank should submit simple and hassle free required documents, bank documentation will be strictly considered while approving Vastu Siddhi Home Loan application.
Documents are one of the most important requirements for a Vastu Siddhi Home Loan, Saraswat Bank takes the home loan documents process very seriously, but many a times applicants face difficulties in not knowing what documents to provide while submitting documents for home loan.
Saraswat Bank has made the home loan documents process very streamlined and transparent, see below which home loan documents are required to pass your Vastu Siddhi Home Loan application
| Identity proof | Aadhaar Card / Voter ID / Passport / PAN Card / Driving License / NREGA Job Card or Government ID Card. |
| Address Proof | Aadhaar Card / Voter ID / Driving License / Passport / NREGA Job Card or Government ID Card / Telephone or Electricity Bill (not older than 2 months). |
| Age Proof | Aadhaar Card / Driving License / PAN Card / Passport / Voter ID / NREGA Job Card or Government ID Card / Birth Certificate / School Leaving Certificate / Insurance Policy. |
| Income Proff for Salaried | Salary slip for last 3 months and bank statement for last 3 months or ITR or form 16 for two years |
| Income Proof for Self-Employed | Last 3 years profit & loss and balance sheet, last three years ITR copies, 3-months bank statement. |
| Property Documents | Proparty Approved Plan, Sale Deed, Agreement of sale of a property. |
CIBIL Score for Saraswat Bank Housing Loan
Your credit score plays a key role in determining your eligibility for a Saraswat Bank Home Loan, it is one of the primary factors lenders consider while deciding whether to approve your application, while the bank also considers your income, age, employment status, current.
Saraswat Bank uses your CIBIL score to assess your credit risk and decide whether to approve your loan application, a higher CIBIL score indicates that you are a low-risk borrower and likely to repay the loan amount on time,
CIBIL score number ranges from 300 to 900, which reflects your creditworthiness and loan repayment behavior, generally a score of 750 and above is considered good and increases your chances of getting a home loan approval.
| Loan Amount | CIBIL Score | Rate of Interest |
|---|---|---|
| Priority Sector Loans | 750 and above | 8.50%* |
| Less than 750 and -1/ 0 | 8.65%* | |
| Upto Rs.35 Lakh (Non Priority Sector) | 750 and above | 8.75% |
| Less than 750 and -1/ 0 | 8.90% | |
| Less than 700 to 650 | 9.20% | |
| Above 35 lakh upto 140 lakh | 750 and above | 8.75% |
| Less than 750 upto 700 / -1/ 0 | 8.90% | |
| Less than 700 to 650 | 9.20% |
Saraswat Bank Home Loan EMI Calculator, सारस्वत बैंक होम लोन ईएमआई कैलकुलेटर,
Saraswat Bank Housing Loan EMI Calculator It is what everyone wants and has plans or ideas for their dream home, these days the cost of housing is very high, without home loans from banks like Saraswat Bank many people cannot afford the cost of the house.
Home loans are a long-term investment and the bank invests a huge amount in the individual with the assurance of repaying the home loan with interest, you can calculate the loan amount you are eligible for using the Saraswat Bank Housing Loan Eligibility Calculator, you can enter the details of annual income, tenure, interest rate and existing EMI.
Saraswat Bank Home Loan Processing Fee, सारस्वत बैंक होम लोन प्रोसेसिंग शुल्क,
When you apply for Saraswat Bank Home Loan, you will be charged a certain amount for the services rendered, this amount is called Saraswat Bank Housing Loan Processing Fee, this home loan processing charge is non-refundable,
Home loan processing charges may be a percentage of the total home loan amount you are applying for, home loan processing fee is not only the amount you have to pay but there are other charges applicants should keep in mind, Click where so it is good for everyone Know Saraswat Bank Home Loan Processing Charge in advance.
| Loan Amount | Processing Fees |
|---|---|
| Upto Rs. 35 lakh | Nil |
| Above Rs. 35 lakh upto Rs. 50 lakh | 0.30% of loan amount |
| Above Rs. 50 lakh upto Rs. 70 lakh | 0.40% of loan amount |
| Above Rs 70 lakh to 140 lakh | 0.50% of loan amount |
Saraswat Bank Housing Loan Interest Rate, सारस्वत बैंक आवास ऋण ब्याज दर,
It is very important to know the interest rate when you apply for Saraswat Bank home loan interest Rate Rate, the home loan interest rate affects the home loan you take and the total EMI you pay, so it is better to keep the Saraswat Bank interest Rate in mind when you apply for a home loan More Home Loan Interest Rates See here.
| Sr No. | Product | Basis | Rate of Interest (PLR = 15.50% p.a.) | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Vastu Siddhi Home Loan – CIBIL Score W.E.F 05.07.2023(Limited Period) | Loan Amount | CIBIL score | Rate of Interest | ||||||
| Priority Sector Loans | 750 and Above | 8.50%* | ||||||||
| Less than 750 and -1/ 0 | 8.65%* | |||||||||
| Upto Rs.35 Lakh (Non-Priority Sector) | 750 and above | 8.75% | ||||||||
| Less than 750 upto 700 / -1/ 0 | 8.90% | |||||||||
| Less than 700 to 650 | 9.20% | |||||||||
| Above ₹35 lakh to ₹140 lakh | 750 and Above | 8.75% | ||||||||
| Less than 750 upto 700 / -1/ 0 | 8.90% | |||||||||
| Less than 700 to 650 | 9.20% | |||||||||
| Present PLR @ 15.50% p.a. For borrowers with CIBIL score less than 700, additional Rate of Interest 0.50% more than the CIBIL score slab of 700 to 750 to be charged basis the corresponding loan amount. | ||||||||||
NOTE – Saraswat 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 check the interest rate in the bank, you should visit the https://www.saraswatbank.com/content.aspx?id=Interest-Rates official website of the bank and confirm.