The Mapusa Urban Coop Bank Of Goa Ltd Home Loan Interest Rate at Salaried :
Upto Rs. 15 lakhs : 12.00%
Above Rs.15 to 25 lakhs : 13.00%

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

Calculate The Mapusa Urban Coop Bank Of Goa Ltd Home Loan EMI Calculate EMI Now

About The Mapusa Urban Coop Bank Of Goa Ltd

The Mapusa Urban Coop Bank Of Goa Ltd is a Co-operative bank in india. The Mapusa Urban Coop Bank Of Goa Ltd was founded on 12-09-1965. 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 The Mapusa Urban Coop Bank Of Goa Ltd which includes The Mapusa Urban Coop Bank Of Goa Ltd Official Website, The Mapusa Urban Coop Bank Of Goa Ltd ATMs accross the India, The Mapusa Urban Coop Bank Of Goa Ltd Branches accross the India, The Mapusa Urban Coop Bank Of Goa Ltd Contact Numbers, The Mapusa Urban Coop Bank Of Goa Ltd official EmailID, The Mapusa Urban Coop Bank Of Goa Ltd Headquarter and The Mapusa Urban Coop Bank Of Goa Ltd Headquarter Address. Find The Mapusa Urban Coop Bank Of Goa Ltd Home loan purpose, Eligibility, Margin, Repayment of Home Loan ,Security, Document Required for Home Loan from below.

Why The Mapusa Urban Coop Bank Of Goa Ltd Home Loan?

1. The Mapusa Urban Coop Bank Of Goa Ltd 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 The Mapusa Urban Coop Bank Of Goa Ltd offers timely assistance to the customers

The Mapusa Urban Coop Bank Of Goa Ltd Home Loan Purpose

To construct House / Flat / Bungalow, purchase new House / Flat or repairing of House / Flat.

The Mapusa Urban Coop Bank Of Goa Ltd 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.

The Mapusa Urban Coop Bank Of Goa Ltd 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 The Mapusa Urban Coop Bank Of Goa Ltd 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.

The Mapusa Urban Coop Bank Of Goa Ltd Home Loan Amount

Upto 75% of property Valuation Report.
Loan Amount taking into consideration the repaying capacity of the applicant.

Margin

Maximum of 25% of property Valuation Report

The Mapusa Urban Coop Bank Of Goa Ltd Home Loan Repayment

Maximum 10 Years

Security

Two Guarantors.
Deposit of Title Deeds/Registered Mortgage.
Additional Security, if Required on case to case basis

In Case of Prepayment of The Mapusa Urban Coop Bank Of Goa Ltd Home Loan, will EMI change?

One can pre-pay The Mapusa Urban Coop Bank Of Goa Ltd 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 The Mapusa Urban Coop Bank Of Goa Ltd, The Mapusa Urban Coop Bank Of Goa Ltd SMS balance check number SMS banking, The Mapusa Urban Coop Bank Of Goa Ltd mobile banking, The Mapusa Urban Coop Bank Of Goa Ltd toll free number,The Mapusa Urban Coop Bank Of Goa Ltd toll free number 24*7, The Mapusa Urban Coop Bank Of Goa Ltd miss call number.

• CONTACT NUMBERS - 0832-2250901/02, 22623203, Fax : 0832-2262427

The Mapusa Urban Coop Bank Of Goa Ltd Contact Details

• BANK OFFICIAL WEBSITE - https://mapusaurbanbank.com
• CONTACT NUMBERS - 0832-2250901/02, 22623203, Fax : 0832-2262427
• EMAIL ID - [email protected]
• TOTAL BRANCHES - 23
• HEADQUARTER - Mumbai
• BANK ADDRESS - Nandadeep,Mapusa,Dist-Bardez,Goa. Pincode-403507

The Mapusa Urban Coop Bank Of Goa Ltd EMI Calculator  The Mapusa Urban Coop Bank Of Goa Ltd Branches
The Mapusa Urban Coop Bank Of Goa Ltd Home Loan FAQs  Home Loan Document Required

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