SBI Home Loan Pune – Interest Rates 2024, Eligibility, Apply Online
Apply for SBI Home Loans in Pune: ✔ Low EMI ✔ Interest Rates ✔ Eligibility, Documents, Loan amount. Check and Compare Home Loan Eligibility for sbi home loan interest rates in Pune.
Highlight’s on SBI Home Loan Pune
| 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 Pune
अधिक जानकारी – एसबीआई होम लोन की ब्याज दरें & SBI Home Loan.
Eligibility required for State bank housing loan in Pune
✓ Minimum age: 18 years as on the date of sanction
✓ Maximum age: 70 years. i.e. the age by which the housing loan 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.
Margin/ LTV Ratio:
| 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 Pune:
| 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 |
For more information Toll Free: 1800112211 (Tollfree from BSNL/MTNL)
State Bank of India Home Loan Branches in Pune:
| Branch | Branch Code | Address | Contact |
|---|---|---|---|
| ZONAL INSPECTION OFFICE, PUNE | 008760 | 3RD FLOOR, TARA CHAMBER
City: PUNE |
IP-105992 105993 PH-020-25823612, 13, 14; |
| INS SHIVAJI LONAVALA | 007162 | DIST PUNE, MAHARASHTRA 410402
City: LONAVALA |
105752 02114-284181 |
| JEJURI | 011518 | DIST PUNESTATE MAHARASHTRA
City: PUNE |
0253-2578860, 2578861 |
| CHANDKHEDA | 007737 | MAVALTALUK,
City: CHANDKHED |
2114-252202 |
| NARAYANGAON | 011130 | 650 BY 2 B, SHRIKRISHNA PLAZA NEAR S T STAND, NARAYANGAON TALUKJUNNAR 410504
City: NARAYANGAON |
105140 |
| MANCHAR | 004929 | NEAR ST STAND OPP ABMC, TAL AMBEGAON, DT PUNE, MAHARASHTRA 410503
City: MANCHAR |
02133- 223315 |
| ADB JUNNAR | 006443 | OPP NEW S T STAND DIST: PUNE MAHARASHTRA 410502
City: JUNNAR |
IP-121408, 02132-224829 |
| SERVICE BRANCH, PUNE | 009016 | B.S.BHAVAN, PMT BLDG., 5TH FLOOR, DECCAN GYMKHANA, PUNE – 411004
City: PUNE |
020-25520415, 25536403, IP: 105391 |
