How to get Bandhan Bank Home Loan?

Bandhan Bank Home LoanIn this article, we will provide you information about Bandhan Bank Home Loan. If you want to take home loan from Bandhan Bank then you can read this article completely. Home loan comes under the category of a secured loan. To take this home loan, the bank has to give you some security.

But before applying for a home loan, we need to know a lot like what is Bandhan Bank home loan, how much loan amount we can take home loan under this loan, how much interest rate has to be paid on this loan, Stay tuned till the end of this article to get all the information about what are the documents, eligibility etc. for this home loan.

Bandhan Bank Home Loan

First of all, for what reasons do we Bandhan Bank Home Loan can take We can take a home loan to buy a house, to repair a house or to build a house. different types of bandhan bank home loan scheme provides | You can apply for these home loan scheme based on your eligibility.

The amount given by the bank under the home loan depends on your income and your CIBIL score. If your income is high then you can get more loan amount. You can take a home loan from Bandhan Bank for a maximum tenure of 30 years.

From Bandhan Bank you can get subsidy on home loan under Pradhan Mantri Awas Yojana, it is a Bandhan Bank Home Loan Subsidy Scheme. Bandhan Bank Home loan Your minimum age should be 21 years to apply for. If you fulfill all the conditions of the bank, then you can take advantage of the attractive home loan interest rate of the bank.

HIGHLIGHTS:

loan name	Bandhan Bank Home Loan
name of the lending bank	Bandhan Bank
Rate of interest	Starting from 8.30% p.a.
loan amount	Depends on individual’s income and other factors
Home Loan Types	Suraksha Home Loan Decawat Home Loan Su-Awas Home Loan Suvidha Home Loan
Application Mode	online / offline
processing fee	0.25% to 1% + GST
official website	bandhanbank.com

Bandhan Bank Home loan Interest Rate 2022

in present time Bandhan Bank Home Loan Rate 8.30% p.a. starts with | As we told you that this bank provides you many types of home loan schemes. The interest rate is also different in different home loans. The final interest rate is determined according to the individual credit score. Bandhan Bank Home Loan interest rates change from time to time.

The interest rates for various home loans are as follows:

home loan scheme	minimum interest rate	maximum interest rate
security home loan	8.30%	13.40%
Decorative Home Loan	11.15%	13.65%
well-housing home loan	12%	14%
Suvidha Home Loan	10.65%	13.65%

Benefits and Features of Bandhan Bank Home Loan

• Anyone can apply for a home loan from Bandhan Bank.
• Any person can apply for Bandhan Bank Home Loan to buy a house, get a house repaired or build a house.
• Bandhan Bank offers you Home Loan for a tenure of up to 30 years.
• Home loan amount is provided to you on the basis of your income and your credit score.
• Any individual whose age is 21 years or above can apply for Bandhan Bank Home Loan.
• Bandhan Bank offers many types of home loan schemes and the eligibility for different is also different, which you can see further in this article.
• Before you apply for home loan Bandhan Bank Home Loan Calculator With the help of this you can calculate the EMI of your loan so that you can get an idea of ​​how much installment you will have to pay at the time of loan repayment.

Bandhan Bank Home Loan Types

Bandhan Bank offers various types of Home Loans to the people. Some of the home loans provided by Bandhan Bank are as follows:

• Suraksha Home Loan
• Sajawat Home Loan
• Su-awas Home Loan
• Suvidha Home Loan

Suraksha Home Loan:

• You can take this home loan for purchase/construction/expansion.
• You will be required to provide income proof to apply.
• Under this loan, you can take loan amount up to 90% of the cost of the property (including land and construction).
• You can take this loan for minimum 5 years and maximum 30 years.
• To apply for this loan, your minimum age should be 21 years and maximum 65 years or less.

Sajavat Home Loan:

• You can take this home loan for renovation and repair of existing house, painting, plumbing, roof re-laying etc.
• Under this home loan, you can take a loan amount up to 80% of the cost of repair work.
• You can take this loan for minimum 5 years and maximum 15 years.
• To apply for this home loan, the applicant’s age should be between 21 years to 65 years.

Su-awas Micro Home Loan:

• This loan is exclusively for micro banking borrowers.
• You can take this loan to build a ‘Pucca’ or ‘Semi-Pucca’ house.
• Both salaried and non-salaried individuals can apply for Su-awas Home Loan.
• Existing micro banking borrowers who have completed minimum 1 cycle of loan can apply.

Suvidha Home Loan:

• You do not need any formal income proof for this home loan.
• You can take Suvidha Home Loan for purchase/construction/expansion.
• You can take a loan amount up to 90% of the cost of the property (including land and construction).
• The tenure of Suvidha Home Loan is minimum 5 years and maximum 30 years.
• The age of the applicant applying for this loan should be between 21 years to 65 years.

Bandhan Bank Home Loan Documents Required

for salaried persons,

• loan application form with fresh photo
• Check With Applicable Processing Fees
• Customer Relationship Form with Fresh Photo
• Photo ID Proof (view KYC document)
• Address proof (see KYC document)
• Age proof (see KYC document)
• Salary slip of last 3 months
• latest pf statement
• Form 16 issued by your employer
• Copy of ITR file for last three years
• photocopy of investment
• Photocopy of life insurance policies
• Bank passbook copy of all bank accounts showing entries for last 6 months
• In case of other loans taken (active and closed)
  • copy of acceptance letter
  • Updated repayment track
  • No outstanding in case of closed loan
• Photocopy of your credit card with last monthly statement
• In case you do not have regular salary slip, pay certificate duly stamped and signed on letter head of employer
• visiting card
• Copy of rent agreement if the present accommodation is on rent

For Self Employed Individuals,

• loan application form with fresh photo
• Check if processing fee is applicable
• Customer Relationship Form with Fresh Photo
• Photo ID Proof (view KYC document)
• Address proof (see KYC document)
• Age proof (see KYC document)
• Copy of audited/certified accounts with schedules for the last three financial years
• Copy of ITR file for last three years
• Business Note in the format of Bandhan Bank with photographs of the place of business
• photocopy of investment
• Photocopy of life insurance policies
• Bank passbook copy of all bank accounts showing entries for last 6 months
• In case of other loans taken (active and closed)
  • copy of acceptance letter
  • Updated repayment track
  • No outstanding in case of closed loan
• Photocopy of your credit card with last monthly statement
• Rent agreement of your place of business, if rented
• Shops and Establishment License for your business unit
• Partnership deed/Shareholding pattern of your entity
• visiting card
• Copy of your professional degree/certificate of qualification
• Copy of rent agreement if the present accommodation is on rent

The following additional legal and technical documents will also be required to be provided –

• Approved plan for construction with estimate and layout plan and construction permission
• Copy of sale deed/contract for sale/construction agreement/facilitation agreement
• Copy of ownership documents of the previous owner(s)
• Proof of ownership in the revenue records ie. Property Card, Form 7/1 2, Form 8-A, Form 6 etc.
• In case of co-operative society, copy of share certificate and allotment letter
• Latest Photos of Property
• Margin Money Payment Receipts
• NA permission from the concerned authority
• NOC for mortgage from the concerned authority like Society, Development Authority etc.

How to apply for Bandhan Bank Home Loan?

One can apply for Bandhan Bank Home Loan both online and offline. Information about both the process of applying is given here.

Bandhan Bank Home Loan apply online

• First of all you have to go to the official website of Bandhan Bank.
• On the home page of the website you will find Home Loans You will have to click on this option will appear.

• All the home loan types will come in front of you.
• After that, in the loan for which you want to apply, you have to click on the option of View Details.
• After clicking, all the information related to that loan will come in front of you.
• On this page you will see the option of Apply Now, click on it.
• A form will open in front of you. All the information asked in this form has to be entered correctly and click on the option of save.
• Then the bank will contact you and the loan process will be taken forward.

How to Apply Offline for Bandhan Bank Home Loan?

• First of all you have to go to Bandhan Bank branch nearest to you.
• By going to the bank, the bank employee will have to tell you that you want to take a home loan.
• The employee of the bank will provide you all the information related to the home loan.
• Then your documents will be verified and based on your documents, the bank will give you information about how much loan amount you are eligible for.
• If you fulfill all the conditions of the bank, then the loan process will be carried forward and after the loan approval, the loan amount will be transferred to your bank account.

Bandhan Bank Home Loan Customer Care Number

Conclusion

In this article we have you Bandhan Bank Home Loan Provided complete information about If you have any other type of information regarding Bandhan Bank Home Loan, then you can talk to Bandhan Bank Customer Care Number.

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