State Bank of Bikaner & Jaipur home loan | Interest Rates | EMI

SBBJ Housing loan Schemes: Get details on 20 minute approval home loan from State bank of Bikaner & jaipur, Interest Rates, Documents, fees & charges.

Enjoy the SBBJ Home Loans Advantage:

  • High Eligibility for Businessmen
  • Doorstep Service
  • Interest Rates starts from 9.45%
  • Simplified Documentation
  • Quicker Turnaround time

Home Loan applications received for rupees ₹ 419,027 crores till 19 October 2020

Compare & Get Instant Home Loan Quotes Online & Check your CIBIL score absolutely FREE.

Loan Amount

Annual Income


120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

Key features of the scheme are furnished below:

Name of the scheme SBBJ Home Loan
Purpose Purchase of plot/house/flat, construction, extension, renovation and refurbishing
Eligibility Individual
Loan Amount EMI/NMI:
Income up to  2.00 lacs – not exceeding-40%
Income above  2.00 lacs and up to  5.00 lacs – not exceeding 50%
Income above  5.00 lacs – not exceeding-55% Income of spouse /son/ daughter {any two) can be clubbed.
For businessman loan amount may be considered on the basis of sales if the loan amount is more than  2.00 lacs
Margin Loan up to 1 crore 20% above 1 crore –25%
Repayment Maximum 30 years including moratorium period.
Pre-closure /pre-payment penalty is discontinued on all Home Loans irrespective of the period for which the account has run or the source of funds.
Repayment to be completed by the time the borrower reaches 70 years
Security Mortgage/ Eq. mortgage of the property proposed to be purchased/constructed/improved or any other tangible security Guarantee of spouse/son/daughter if income is clubbed.
PDCs for EMI.
Processing Fee 0.50% of the loan amount
min  500/- and Max  10000/-
for online customers : 25% concession on the applicable processing fee
Other features SBBJ Realty SBBJ Maxgain
SBBJ Flexi Housing Loan
NRI Housing loan scheme

How does SBBJ housing loan compare with those offered by other institutions?

  • A. There is total transparency with regard to the rate of interest and the fees charged by us.
  • Offers housing loans with the lowest equated monthly installments, i.e. you pay substantially less in repayments as compared to others.
  • We have no upper limit. The loan amount is determined by repaying capacity and the value of property to be financed.
  • Offers loans for the longest tenors (up to 20 years).
  • Provide finance for both new and old houses/flats and for construction of houses. Cost of furnishing the house can also be included in the project cost.
  • With an SBBJ housing loan you can choose between fixed rates of interest and floating interest rates.
  • We levy interest based on daily reducing balance, unlike the annual reducing balance method used by several other financiers/banks.


What are the tax benefits of taking an SBBJ Housing Loan?

Under the Indian Income Tax Act of 1961, resident Indians are eligible for certain tax benefits on principal and interest components of a loan.

Under Section 24(1), interest repayment of Rs.1,50,000/- per annum qualifies for tax saving under the new Finance Act, provided the property is acquired or constructed with capital borrowed after April 1, 1999 and the acquisition/construction is completed before April 1, 2003 , and the property is self occupied.

An added benefit under Section 80 C on repayment of principal amount subject to the overall ceiling of Rs.1,00,000/- is also available on the same loan.

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