Home Loan counsellor

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01/07/2019

SBI has introduced New Product In Home Loan from 1st July 2019.
REPO LINKED LENDING RATE (RLLR)

Loan Type :- Term Loan (Not For Maxgain)
Loan Limit :- Upto 75 lakh
Minimum Income criteria :- 6 lakh per year
Rate of Interest :- RLLR+ spread
Current RLLR :- 8%
Rate of interest :- 8% + 0.40% == 8.40% **

Maximum Loan Tenure :- 33 years

21/08/2012

Bank will be closed on 22 nd & 23rd Aug 2012.

Due to Employee Strike.

21/08/2012

HOME LOANS - INTEREST RATES

All Rate are floating only

(Base Rate= 10.00% p.a.)

INTEREST RATES
With effect from 07.08.2012



All Rate are floating only

(Base Rate= 10.00% p.a.)

Loan Amount
Linkage with Base Rate over the tenor of the loan
Effective Rate

Upto Rs. 30.00 lacs
0.25% above Base Rate
10.25% p.a.

Above Rs. 30.00 lacs and upto Rs. 75.00 lacs
0.40% above Base Rate
10.40% p.a.

Above Rs. 75.00 lacs
0.40% above Base Rate
10.40% p.a.

No fixed rate option in any limit bracket.


CURRENT iNTEREST RATE IS 10.25% BELOW 30 LACS LOAN AMOUNT &

10.40% ABOVE 30 LACS LOAN AMOUNT
MAXGAIN (O/D Facility available)

Processing fee

0.25% of loan amount below25 lacs

6500/-above25 lacs

845/- valuation charges if loan amount is above 20 lacs (for take-over/transfer it is mandatory to take two valuation reports)
2000/- for search report (ifproject is approved by SBI then not require)
0.2% of loan amount mortgage charges (stamp duty of govt.)
Aproximate 2000/- for documentation (Notary)

Property Insurance charges Aproximate Rs.500/- per lac one time only (if you have already then just change nominee no need to take new insurance)

FOR NRI’s AND PIO’s

1. Valid Residence Proof.

2. Employment profile for the last 5 years.(ifvailable)

3. Copy of passport including page containing visa stamping.

4. Copy of valid work permit/ work contract and Appointment letter.

5. Proof of income in case of self employed/professionals.

6. Copy of identity card issued by the employer.

7. Statement of overseas bank account for the last six months which reflects credit of salary, savings etc

8. Salary slips for the last three month or Tax Returns(if applicable)

9. Copy of Continuous Discharge Certificate in respect of applicants employed in Merchant Navy.

10. Power of Attorney, if applicable, in Bank’s standard format duly stamped and notarized/attested by Indian Embassy/Consulate.

Documents required for resident
2 passport photo graphs
Id proof
Address proof
company appointment & confirmation letter
experience certificate if current employment is less than 2 years
last three months salary slips
past 6 months salary a/c statement
form 16 for last 2 complete financial years(09-10 & 10-11) from 1 april to 31 march.
Loan Amount is available upto 80% of property cost + stamp duty + registration charges + other ammenities if mention in to agreement.
Payment receipt.
bank a/c statement from which payment made to the builder.
PROPERTY DOCUMENTS
agreement to sale
NOC from builder/ society
Blue print with Commencement certificate
completion certificate
Builders Masrer File

Address

S B Road
Pune
411016

Telephone

+919271701517

Website

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