Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan Interest Rate at 9.90%

Note: Updated on Feb 2024, for latest interest rates, please visit bank website.

Calculate Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan EMI Calculate EMI Now

About Bharat Cooperative Bank Mumbai Ltd. Mumbai

Bharat Cooperative Bank Mumbai Ltd. Mumbai is a Co-operative bank in india. Bharat Cooperative Bank Mumbai Ltd. Mumbai was founded on 06-09-1977. It provides all the financial services to its customers like saving deposit, fixed deposit, recurring deposit, home loans, personal loan, car loan, education loan, gold loan, PPF account, lockers, netbanking, mobile banking, RTGS, NEFT, IMPS, E-Wallet, Atal Pension Yojana, Pradhan Mantri Jandhan Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and many more.

Find details about Bharat Cooperative Bank Mumbai Ltd. Mumbai which includes Bharat Cooperative Bank Mumbai Ltd. Mumbai Official Website, Bharat Cooperative Bank Mumbai Ltd. Mumbai ATMs accross the India, Bharat Cooperative Bank Mumbai Ltd. Mumbai Branches accross the India, Bharat Cooperative Bank Mumbai Ltd. Mumbai Contact Numbers, Bharat Cooperative Bank Mumbai Ltd. Mumbai official EmailID, Bharat Cooperative Bank Mumbai Ltd. Mumbai Headquarter and Bharat Cooperative Bank Mumbai Ltd. Mumbai Headquarter Address. Find Bharat Cooperative Bank Mumbai Ltd. Mumbai Home loan purpose, Eligibility, Margin, Repayment of Home Loan ,Security, Document Required for Home Loan from below.

Why Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan?

1. Bharat Cooperative Bank Mumbai Ltd. Mumbai provides a range of Home Loan Schemes designed for different needs of customers
2. Interest Rate is very competitive and affordable
3. Minimal Documentation
4. It provides Flexible Repayment Options to the borrowers
5. Easy and fast approval & disbursal of home loans
6. Has dedicated team of well-experienced employees which also offer personalised service
7. 24/7 customer care service of Bharat Cooperative Bank Mumbai Ltd. Mumbai offers timely assistance to the customers

Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan Purpose

For purchase of Flats, Construction of New House
Takeover of Housing Loans from other Banks /Financal Institution

Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan Eligibility

• The applicant must be an Indian citizen or a fully documented NRI. He, essentially, must be a Person of Indian Origin (PIO).
• The applicant's age must be in the range of 18 years and 70 years at the time of loan maturity.
• The applicant must be salaried or self-employed with a regular income.
• The applicant must earn more than the minimum required income.

Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan Document Required

1. Duly filled and signed application form with photograph
2. Identity Proof- Aadhar Card, PAN Card, Passport, Driving License, Voter id card, ID-card issued by Government
3. Address Proof - Aadhar Card, Passport, Driving License, Voter id card, Electricity/ Telephone/ Post-Paid Mobile bill, Bank statement
4. Age Proof - Passport, Birth Certificate, PAN card, Driving License, Voter id card, Employee ID card (only for PSU/ Government employees), School/ College leaving certificate
5. Form 16
6. Latest 6 months salary slips for salaried persons
7. Bank Statement of last 6 months
8. Income Tax Returns (ITR) of last 3 years
9. Last 3 years CA Certified or Audited Balance Sheet and Profit & Loss Account
10. Processing fee Cheque
11. Copies of the title documents of the property and the approved plan
12. For Construction/ Renovation case, cost estimate from the Architect

Tax Benefits of availing Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan

There are two types of tax benefits associated with home loan for Resident Indians:

Repayment of the Principal Amount: One can get a Tax rebate under section 80C of the Income Tax Act on whole amount repaid by him in a financial year, maximum upto Rs. 1,50,000/- each financial year (Increased from 1 Lakh to Rs. 1.5 Lakh in Budget 2014).

Repayment of the Interest on Home Loan: Tax Benefit on Home Loan for payment of Interest is allowed as a deduction under Section 24(1) of the Income Tax Act. One is eligible for a Tax Rebate of maximum of Rs. 2 lakh per financial year for home loan interest paid by him/her during that financial year.

Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan Amount

Maximum upto Rs. 70 Lakh

Margin

10% to 15%

Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan Repayment

Maximum 240 Months (Inclusive of Moratorium / Holiday Period)

Security

Mortgage of Flat / Residential premises to be purchased / constructed

In Case of Prepayment of Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan, will EMI change?

One can pre-pay Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan without any prepayment charges as it allows prepayment at nil charges in case of floating rate home loans. If the borrower makes a prepayment, the outstanding balance of principal amount of his home loan reduces. Then in that case he has following 2 options:

1. He can continue with the existing and reduce the loan tenure
2. He can reduce the EMI and keep the loan tenure the same

Out of above 2 options, first option is more beneficial for the borrower as he pay less interest to the bank as the pay off home loan will be faster.

How to reduce your Home Loan EMI?

• Negotiate with your banker on lower interest rate
• Apply for longer tenure
• Give maximum amount as down payment
• Pre-pay loan amount
• Switch to another bank/ FI offering lower interest rate

Contact details of Bharat Cooperative Bank Mumbai Ltd. Mumbai, Bharat Cooperative Bank Mumbai Ltd. Mumbai SMS balance check number SMS banking, Bharat Cooperative Bank Mumbai Ltd. Mumbai mobile banking, Bharat Cooperative Bank Mumbai Ltd. Mumbai toll free number,Bharat Cooperative Bank Mumbai Ltd. Mumbai toll free number 24*7, Bharat Cooperative Bank Mumbai Ltd. Mumbai miss call number.

• CUSTOMER CARE NUMBERS - 022-61890000, 61890999
• CONTACT NUMBERS - 022-61890000, 61890999, 022-6189 0091

Bharat Cooperative Bank Mumbai Ltd. Mumbai Contact Details

• BANK OFFICIAL WEBSITE - https://bharatbank.com
• CONTACT NUMBERS - 022-61890000, 61890999, 022-6189 0091
• EMAIL ID - [email protected]
• CUSTOMER CARE NO. - 022-61890000, 61890999
• TOTAL BRANCHES - 104
• TOTAL ATMS - 100
• HEADQUARTER - Mumbai
• BANK ADDRESS - Marutagiri building, Plot No13/9A, Samant Estate, Sonawala Road, Goregaonj (E), Mumbai, Maharashtra Pincode-400063

Bharat Cooperative Bank Mumbai Ltd. Mumbai EMI Calculator  Bharat Cooperative Bank Mumbai Ltd. Mumbai Branches
Bharat Cooperative Bank Mumbai Ltd. Mumbai Home Loan FAQs  Home Loan Document Required

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