SBI Home Loan Chandigarh – Interest Rates 2024, Eligibility, Apply Online

Apply for SBI Home Loans in Chandigarh: ✔ Low EMI ✔ Interest Rates ✔ Eligibility, Documents, Loan amount. Check and Compare Home Loan Eligibility for sbi home loan interest rates in Chandigarh.

Highlight’s on SBI Home Loan Chandigarh

Interest Rates 8.50% – 10.15%
Processing Fee sbi home loan fees
Repayment Upto 30 Years
Loan Amount Upto 80% of Property
Foreclosure Charges Nil
Monthly Income Rs.12000 minimum
Lowest EMI per 1 Lakh Rs.769

Major Home Loan Tools available in Chandigarh

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  • अधिक जानकारी – एसबीआई होम लोन की ब्याज दरें & SBI Home Loan.

    प्रधानमंत्री आवास योजना

    Eligibility required for State bank housing loan in Chandigarh

    ✓ Minimum age: 18 years as on the date of sanction
    ✓ Maximum age: 70 years. i.e. the age by which the loan housing should be fully repaid, subject to availability of sufficient, regular and continuous source of income for servicing the loan repayment.
    ✓ Minimum Income Should be Rs.10000 Per Month.

    Loan Amount & factors:
    Actual loan amount will be determined taking into consideration such factors as applicant’s income and repaying capacity, age, assets and liabilities, cost of the proposed house/flat etc. To enhance loan eligibility you have option to add:
    ✓ Income of your spouse/ your son/ daughter living with you, provided they have a steady income and his/ her salary account is maintained with SBI.
    ✓ Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is proposed to be rented out.
    ✓ Depreciation, subject to some conditions.
    ✓ Regular income from all sources.

    How Much Loan amount you can get from the bank against the total value of Property:

    Individual Home Loan Amount Margin (Min) LTV Ratio (%)
    Upto Rs. 20 Lacs 10% 90%
    Above Rs. 20 Lacs. and upto Rs. 75 lacs 20% 80%
    Above Rs. 75 lacs 25% 75%

    Repayment period: Maximum 30 years (or) Up to the age of 70 years (the age by which the loan should be fully repaid) of the borrower, whichever is early.

    Moratorium period (Repayment holiday): The moratorium period is included within the maximum repayment period.

    Documents Required for SBI Home loans in Chandigarh:

    Salaried Self Employed

    Documentation

    1) Application form with photograph
    2) Identity & residence proof
    3) Last 3 months salary slip
    4) Form 16
    5) Last 6 months bank salaried credit statements
    6) Processing fee cheque
    1) Application form with photograph
    2) Identity & residence proof
    3) Education qualifications certificate & proof of business existence
    4) Business profile,
    5) Last 3 years profit/loss & balance sheet
    6) Last 6 months bank statements
    7) Processing fee cheque

    State Bank of India Home Loan Branches in Chandigarh:

    Branch Branch Code Address Contact
    MAMOON CANTTT PATHANKOT 009839 HQ 29 MTW DIV BUNGAL, GURDASPUR, CHANDIGARH, PUNJAB

    City: PATHANKOT
    District: CHANDIGARH
    State: CHANDIGARH

    0186-2247038 0186-2249551 IP-404506
    BHAGU ROAD 008476 PUNJAB, BHATINDA, PIN.151001.

    City: BATHINDA
    District: CHANDIGARH
    State: CHANDIGARH

    0164-2212838 IP-407456
    SERVICE BRANCH CHANDIGARH 009850 105108 SEC17BCHD

    City: CHANDIGARH
    District: CHANDIGARH
    State: CHANDIGARH

    0172-2714088, 2703772, 2714270, IP:400392, 400391
    ATTAWA, CHANDIGARH 003936 ATTAWA SECTOR 42 C CHANDIGARH CHANDIGARH , PIN – 160036

    City: CHANDIGARH
    District: CHANDIGARH
    State: CHANDIGARH

    0172-2602013 IP: 400451
    HCS CHANDIGARH 006831 SECTOR 1, CHANDIGARH, HARYANA , PIN – 160001

    City: CHANDIGARH
    District: CHANDIGARH
    State: CHANDIGARH

    0172-2749200 5080062, 2741281 IP:400476
    INDUSTRIAL ESTATE, CHANDIGARH 001508 M W MARKETIND AREA PHASE I CHANDIGARH HARYANA 160002

    City: CHANDIGARH
    District: CHANDIGARH
    State: CHANDIGARH

    01722650602 IP – 400426
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