🏡 Home Loan Scheme
Looking to make your dream home a reality?
Step into Jalore Nagrik Sahkari Bank Ltd. and get your Home Loan sanctioned.
Repay conveniently in easy monthly installments.
🎯 Purpose
To provide financial assistance to individuals for the purchase of a house.
👥 Eligibility
- Minimum age of applicant: 21 years; Maximum age: 60 years
- House must not be located in rural areas
- Applicant should be a permanent resident in the bank’s working area or have been a permanent resident of Jalore for the last 2 years
- Loan payment is made directly to the seller during house registration at the registrar office under bank supervision
- Loan amount: Up to 5 times the applicant’s annual income or ₹10,00,000/- (whichever is lower)
- Title of the house must be clear and perfect
- Only income verified through Income Tax Return will be considered
💰 Loan Amount & Tenure
- Maximum Loan Amount: ₹10,00,000/-
- Loan Tenure: Up to 5 years
📈 Rate of Interest
As applicable from time to time.
(Please refer to the Current Rate Chart at your nearest branch.)
🔐 Security
- Loan up to 60% of the house cost; remaining 40% margin amount to be submitted to the bank with the purchase invoice
- Postdated Cheques for repayment
💳 Repayment
Repayment to be completed within 60 months or until the applicant reaches 60 years of age, whichever is earlier.
** Terms & Conditions Apply **
For more information, please contact your nearest branch of Jalore Nagrik Sahkari Bank Ltd.
🏡 Home Loan Scheme (Already Constructed House)
Looking to buy an already constructed house? Step into Jalore Nagrik Sahkari Bank Ltd. and get your Home Loan sanctioned. Repay conveniently in easy monthly installments.
🎯 Purpose
To provide financial assistance for the purchase of an already constructed house, normally not older than 15 years.
👥 Eligibility
- Individuals aged 21 to 60 years (can be relaxed up to 65 years in special cases)
- House must not be in rural areas
- Applicant must be a permanent resident in the bank’s working area or have been a permanent resident of Jalore for at least 2 years
- Loan payment is made directly to the seller at the time of house registration under supervision of the bank officer
- Loan amount: Up to 5 times annual income or ₹5,00,000/- minimum
- Title of the house must be clear
- Only income verified through Income Tax Return will be considered
💰 Loan Amount & Tenure
- Maximum Loan Amount: ₹5,00,000/-
- Loan Tenure: Up to 10 years or until end of service period
📈 Rate of Interest
As applicable from time to time. (Please refer to the Current Rate Chart at your nearest branch.)
🔐 Security / Documents Required
- Equitable Mortgage of Property
- Salary / Income Certificate
- Blue Map of the house
- Construction Valuation Chart approved by Civil Engineers
- Construction Permission
- Two Guarantors — Bank Members or Income Tax Payers
💳 Repayment
Maximum repayment: 120 EMIs.
** Terms & Conditions Apply **
For more information, please contact your nearest branch of Jalore Nagrik Sahkari Bank Ltd.