Housing Loan

Purchase a flat, row house, bungalow etc which is available either as ready possession or under construction*

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Loan Limit : Maximum Upto Rs.140 Lacs.
Repayment :
i. Maximum 240 months inclusive of moratorium period of maximum 18 months or till the retirement age if Salaried whichever is earlier.
ii. In case of Takeover loan Maximum repayment tenure till residual tenure of earlier sanction or actual whichever is less.
Pre-Payment Penalty : Nil
Rate of Interest : 8.35% *p.a. onwards
Service Charges : Applicable from time to time.
Margin : Applicable from time to time.
Housing Loan for NRI also available

Get Housing Loans from TJSB Bank.

For Salaried Persons :

i. Employees of reputed and financially sound organization.
ii. Minimum Gross take home salary of INR.15,000/- per month.
For Businessmen & Professionals :

Business should have establishment of minimum of 3 years.
Co-Applicant :

Co-Owners of dwelling unit must be taken as Co-applicant.
Spouse /parents of the applicant other than Co-owners can be taken as Co-applicant.

Duly filled form with :

i. Income Proof of Applicant(s) & Guarantor(s)
ii. Residential Proof of Applicant(s) & Guarantor(s)
iii. Property Documents
iv. PAN Card of Applicant(s) & Guarantor(s)
v. KYC of Applicant(s) & Guarantor(s)
Prime Security : Dwelling Unit/s under construction/ready possession to be purchased.
Two Acceptable Guarantors and Security holders to be also taken as guarantors.
Other Charges : One Upfront EMI, Franking Charges, CERSAI, Filing Mortgage, Insurance of property,Legal charges etc.(Valuation, Sanction Confirmation if applicable)

To apply for Housing Loan, please download the below listed form and submit it to your nearest branch.

* “Conditions Apply. Loan at the sole discretion of the Bank”