Tjsb Sahakari Bank Ltd Home Loan Interest Rate at 7.50% Onwards
| INTEREST RATE | 7.50% Onwards |
| LOAN TENURE | 20 Years |
| PROCESSING FEE | As decided by the bank from time to time |
| GUARANTOR REQUIRED | Yes |
| PRE CLOSURE CHARGES | Nil |
Calculate Tjsb Sahakari Bank Ltd Home Loan EMI Calculate EMI Now
About Tjsb Sahakari Bank Ltd
Tjsb Sahakari Bank Ltd is a Co-operative bank in india. Tjsb Sahakari Bank Ltd was founded on 1972. 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 Tjsb Sahakari Bank Ltd which includes Tjsb Sahakari Bank Ltd Official Website, Tjsb Sahakari Bank Ltd ATMs accross the India, Tjsb Sahakari Bank Ltd Branches accross the India, Tjsb Sahakari Bank Ltd Contact Numbers, Tjsb Sahakari Bank Ltd official EmailID, Tjsb Sahakari Bank Ltd Headquarter and Tjsb Sahakari Bank Ltd Headquarter Address. Find Tjsb Sahakari Bank Ltd Home loan purpose, Eligibility, Margin, Repayment of Home Loan ,Security, Document Required for Home Loan from below.
Other Products of Tjsb Sahakari Bank Ltd:
| Home Loan | Personal Loan |
| Education Loan | Business Loan |
| Car Loan | Two Wheeler Loan |
| Gold Loan | FD Interest Rates |
| RD Interest Rates | Bank ATMs |
| PPF Account |
Why Tjsb Sahakari Bank Ltd Home Loan?
- Tjsb Sahakari Bank Ltd provides a range of Home Loan Schemes designed for different needs of customers
- Interest Rate is very competitive and affordable
- Minimal Documentation
- It provides Flexible Repayment Options to the borrowers
- Easy and fast approval & disbursal of home loans
- Has dedicated team of well-experienced employees which also offer personalised service
- 24/7 customer care service of Tjsb Sahakari Bank Ltd offers timely assistance to the customers
Tjsb Sahakari Bank Ltd Home Loan Purpose
For Purchase of Dwelling Unit i.e. Flat, Row House, Bungalow under construction or Ready possession, first sale or resale.Tjsb Sahakari Bank 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.
Tjsb Sahakari Bank Ltd Home Loan Document Required
- Duly filled and signed application form with photograph
- Identity Proof- Aadhar Card, PAN Card, Passport, Driving License, Voter id card, ID-card issued by Government
- Address Proof - Aadhar Card, Passport, Driving License, Voter id card, Electricity/ Telephone/ Post-Paid Mobile bill, Bank statement
- Age Proof - Passport, Birth Certificate, PAN card, Driving License, Voter id card, Employee ID card (only for PSU/ Government employees), School/ College leaving certificate
- Form 16
- Latest 6 months salary slips for salaried persons
- Bank Statement of last 6 months
- Income Tax Returns (ITR) of last 3 years
- Last 3 years CA Certified or Audited Balance Sheet and Profit & Loss Account
- Processing fee Cheque
- Copies of the title documents of the property and the approved plan
- For Construction/ Renovation case, cost estimate from the Architect
Tax Benefits of availing Tjsb Sahakari Bank 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.
Tjsb Sahakari Bank Ltd Home Loan Amount
Max. upto Rs. 70.00 Lakh for Buying a new house and housing mortgage loan upto Rs. 40.00 Lakh for Renovating Existing house.Margin
15% to 20% of Agreement Cost of flat +Stamp Duty +RegistrationTjsb Sahakari Bank Ltd Home Loan 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.
Security
Prime Security : Dwelling Unit/s under construction/ready possession to be purchased.Two Acceptable Guarantors and Security holders to be also taken as guarantors.
In Case of Prepayment of Tjsb Sahakari Bank Ltd Home Loan, will EMI change?
One can pre-pay Tjsb Sahakari Bank 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:
- He can continue with the existing and reduce the loan tenure
- 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 Tjsb Sahakari Bank Ltd, Tjsb Sahakari Bank Ltd SMS balance check number SMS banking, Tjsb Sahakari Bank Ltd mobile banking, Tjsb Sahakari Bank Ltd toll free number,Tjsb Sahakari Bank Ltd toll free number 24*7, Tjsb Sahakari Bank Ltd miss call number.
- MISSED CALL NUMBERS - 9212005550
- CUSTOMER CARE NUMBERS - 1800223466, 18002663466
- CONTACT NUMBERS - 022-25878500, 1800223466, 18002663466
Tjsb Sahakari Bank Ltd Contact Details
- BANK OFFICIAL WEBSITE - https://www.tjsbbank.co.in
- CONTACT NUMBERS - 022-25878500, 1800223466, 18002663466
- EMAIL ID - response@tjsb.co.in
- MISSED CALL NO. - 9212005550
- CUSTOMER CARE NO. - 1800223466, 18002663466
- TOTAL BRANCHES - 249
- TOTAL ATMS - 130
- HEADQUARTER - Mumbai
- BANK ADDRESS - TJSB House, Plot No. B-5, Road No.2, Wagle Industrial Estate, Thane (W) - 400604
Tjsb Sahakari Bank Ltd Home Loan FAQs Home Loan Document Required
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