Vijay bank Home Loan | Interest Rates | Eligibility | EMI

Vijaya Bank Home Loan – Interest Rates, Documents, EMI and Fees and Eligility with Vijaya Bank housing loan. Calculate your loan emi with home loan emi calculator.

Eligibility:-

Individuals with minimum age of 21 years and Maximum age of 55 years are eligible.
The applicant/beneficiary shall have sufficient income to repay the loan along with the interest within sanctioned period.
In case of salary income alone is considered for deciding the quantum of loan, such salaried persons should be in permanent service and not probationers: Persons nearing superannuation getting retirement benefits sufficient to cover the Loan applied can also be considered.
Ex- Staff members family and relatives of staff members / Ex – Staff members who have independent income are also eligible.

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Compare Home Loan Interest Rates of Vijaya Bank Home Loan: -

	upto 30 Lacs	30-75 lacs	Above 75 lacs
Upto 10 years	10.50% (till 31-01-2013)	10.75%(till 31-01-2013)	11%(till 31-01-2013)
10 -20 years	10.75%(till 31-01-2013)	11%(till 31-01-2013)	11.50%(till 31-01-2013)

Quantum of Loan:

Minimum loan amount - Rs. 1.00 lakh
Maximum loan amount - Rs. 100 lakhs – on need based as per the cost less stipulated margin subject to loan entitlement.
In case of Repairs/Renovation – maximum is Rs. 10 Lakhs
Home Loan of less than Rs. 1 lakhs can also be considered under Swarna Jayanti / Golden Hublee Scheme in rural / Semi – Urban places.

Pre-payment Charges:

Penalty of 1% of the amount for pre-closure switchover to other bank within 5 years of availing the loan is levied on the balance outstanding

Prepayment /Pre –Closure Charges:

Housing loans- Prepayment /Pre –Closure/Switch over to other Bank within 5 years of availing the loan :

Types of service /Details	Individuals / Non-Corporates	Corporates	Special Category People (Pensioners, Senior Citizens and Individuals in rural areas)
Prepayment/ Pre-closure Charges/ Penalty	@ 1% on the amount pe-paid or balance outstanding, whichever is applicable	@ 1.10% on the amount pe-paid or balance outstanding, whichever is applicable	@ 0.90% on the amount pe-paid or balance outstanding, whichever is applicable

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