Sangli Urban Co Op Bank Ltd Sangli Home Loan Interest Rate at 8.55% to 9.50%

INTEREST RATE8.55% to 9.50%
LOAN TENURE15 Years
PROCESSING FEEAs decided by the bank from time to time
GUARANTOR REQUIREDYes
PRE CLOSURE CHARGESNil
Note: Updated on Feb 2024, for latest interest rates, please visit bank website.

Calculate Sangli Urban Co Op Bank Ltd Sangli Home Loan EMI Calculate EMI Now

About Sangli Urban Co Op Bank Ltd Sangli

Sangli Urban Co Op Bank Ltd Sangli is a Co-operative bank in india. Sangli Urban Co Op Bank Ltd Sangli was founded on 1935. 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 Sangli Urban Co Op Bank Ltd Sangli which includes Sangli Urban Co Op Bank Ltd Sangli Official Website, Sangli Urban Co Op Bank Ltd Sangli ATMs accross the India, Sangli Urban Co Op Bank Ltd Sangli Branches accross the India, Sangli Urban Co Op Bank Ltd Sangli Contact Numbers, Sangli Urban Co Op Bank Ltd Sangli official EmailID, Sangli Urban Co Op Bank Ltd Sangli Headquarter and Sangli Urban Co Op Bank Ltd Sangli Headquarter Address. Find Sangli Urban Co Op Bank Ltd Sangli Home loan purpose, Eligibility, Margin, Repayment of Home Loan ,Security, Document Required for Home Loan from below.

Why Sangli Urban Co Op Bank Ltd Sangli Home Loan?

  1. Sangli Urban Co Op Bank Ltd Sangli 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 Sangli Urban Co Op Bank Ltd Sangli offers timely assistance to the customers

Sangli Urban Co Op Bank Ltd Sangli Home Loan Purpose

Construction / Purchase of residential house

Sangli Urban Co Op Bank Ltd Sangli 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.

Sangli Urban Co Op Bank Ltd Sangli 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 Sangli Urban Co Op Bank Ltd Sangli 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.

Sangli Urban Co Op Bank Ltd Sangli Home Loan Amount

Max. upto Rs. 70 lakhs

Margin

Upto 35%

Sangli Urban Co Op Bank Ltd Sangli Home Loan Repayment

Maximum of 15 years.

Security

House / Flat for which loan has been taken

In Case of Prepayment of Sangli Urban Co Op Bank Ltd Sangli Home Loan, will EMI change?

One can pre-pay Sangli Urban Co Op Bank Ltd Sangli 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 Sangli Urban Co Op Bank Ltd Sangli, Sangli Urban Co Op Bank Ltd Sangli SMS balance check number SMS banking, Sangli Urban Co Op Bank Ltd Sangli mobile banking, Sangli Urban Co Op Bank Ltd Sangli toll free number,Sangli Urban Co Op Bank Ltd Sangli toll free number 24*7, Sangli Urban Co Op Bank Ltd Sangli miss call number.

  • MISSED CALL NUMBERS - 9403782800
  • CONTACT NUMBERS - 0233-2376236/37/38, Fax: 0233-2326571

Sangli Urban Co Op Bank Ltd Sangli Contact Details

  • BANK OFFICIAL WEBSITE - https://sangliurbanbank.in
  • CONTACT NUMBERS - 0233-2376236/37/38, Fax: 0233-2326571
  • EMAIL ID - [email protected], [email protected]
  • MISSED CALL NO. - 9403782800
  • TOTAL BRANCHES - 36
  • TOTAL ATMS - 1
  • HEADQUARTER - Mumbai
  • BANK ADDRESS - C.S.No.404, Khan Baug, Sangli, Maharashtra Pincode-416416
Sangli Urban Co Op Bank Ltd Sangli EMI Calculator  Sangli Urban Co Op Bank Ltd Sangli Branches
Sangli Urban Co Op Bank Ltd Sangli Home Loan FAQs  Home Loan Document Required

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Sangli Urban Co Op Bank Ltd Sangli Home Loan Interest Rate at 8.55% to 9.50% 24 Feb 2024