Saraswat Bank Home Loan – Interest Rates 2024, Documents
Saraswat Bank Vastu Siddhi Housing loan interest rates starts from as low as 9.50%. Get details on Eligibility, loan emi, Processing fees & other charges.
Saraswat Bank offering Loans for the purpose of Construction, purchase ready built flats, takeover of home loans, flats, resale flats etc. Gift your family a permanent new postal address with Saraswat Bank’s Vastu Siddhi Home Loan. With the lowest home loan rates, own a house and make it your home. For constructing a house or purchasing a ready or resale flat. You can also avail home loan takeover facility.
Saraswat Bank Home Loan Eligibility & Features:
- Salaried Employees /Businessmen/Professionals
- Maximum loan amount of upto Rs.70 lacs
- Top up loan upto Rs.25 lac
- 85% (loans upto Rs. 25 lac) or 80% ( loans above Rs. 25 lac) of Cost of flat +Stamp Duty +Registration OR Cost of land & construction thereon
- Salaried : Max 60 times of the Avg net take-home salary, Businessman : Max 5 times of Avg Net cash accruals
Saraswat Bank Home Loan Rate of Interest 2024
| Basis | Rate of Interest (PLR = 15.50 % p.a.) | ||||
|---|---|---|---|---|---|
| Priority Sector | Branch Type | Amt. Of Loan | Agreement Cost | CIBIL Score | Floating Rate |
| Metro/Urban | Up to 35.00 Lakhs | Up to 45.00 Lakhs |
750 and above | 8.60% (PLR – 6.90%) |
|
| Semi-Urban / Rural | Up to 25.00 Lakhs | Up to 30.00 Lakhs |
Less than 750 and -1/ 0 | 8.75% (PLR – 6.75%) |
|
| Less than 700 | 8.75% (PLR – 6.75%) |
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| Non-Priority Sector | Up to Rs. 100 lakhs | 750 and above | 8.90% (PLR – 6.60%) |
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| Less than 750 and -1/ 0 | 9.10% (PLR – 6.40%) |
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| Less than 700 | 9.40% (PLR – 6.10%) |
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| Non-Priority Sector | Above Rs. 100 Lakhs Up to Rs. 140 lakhs | 750 and above | 8.95% (PLR – 6.55%) |
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| Less than 750 and -1/ 0 | 9.20% (PLR – 6.30%) |
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| Less than 700 | 9.40% (PLR – 6.10%) |
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Processing fees:
| Loan Amount | Processing Fees |
| Upto Rs. 35 lac | Nil |
| Above Rs.35 lac & upto Rs. 50 lac | Rs. 5000/- + GST |
| Above Rs. 50 Lac above | Rs. 10000 to 15000 + GST |
Documents required for saraswat bank home loan
- Duly filled application form with photo identity and residence proof of Applicant and Guarantor (if any)
- Income proof a) or b) as applicable1
- Salaried: salary slip for last 3 months and bank statement for last 6 months, ITR & form 16 for 3 yrs
- Businessman: Profit & loss and ITR copies of last two years, Balance sheet, 6 month bank statement.
- Legal Documents for creating mortgage as per requirement
