उत्पाद विवरण
बैंक का नाम
Bandhan Bank Limited
अधिकतम ऋण अवधि
Not specified.
अधिकतम ऋण राशि
Not specified.
ब्याज दर
Minimum interest rate – 13.00%
Maximum interest rate – 15.00%
Final interest rate will be decided as per Individual Credit Score
प्रकार
Not specified.
अग्रिम भुगतान
Not specified.
फीस और शुल्क
Non-Refundable Login fees: INR 3500.
Processing Fees: 0.25% to 1.00% depending on scheme+ GST.
Prepayment Fee: no prepayment fee for floating rate interest loan.
Penal fee: 2% per month on the overdue amount, i.e., 24% per year.
Legal Fee: At actuals.
Stamp Duty And Registration Fee: At actuals.
न्यूनतम CIBIL स्कोर
Not specified.
डाउन पेमेंट और शुल्क
Su-awas Micro Home Loan
विशेष लक्षण
None.
पात्रता मापदंड
The borrower must be an existing micro-banking customer of Bandhan Bank with a satisfactory repayment track record.
The borrower must be between 23 and 65 years of age at the time of loan maturity.
The borrower must have a regular source of income from either salaried or non-salaried occupation.
The borrower must have a clear title deed and valid documents for the property to be financed.
Existing micro banking borrowers who have completed minimum 1 cycle of loan
विशेष रियायत
No Special Concession.
होम सेवर विकल्प
No.
विशेषताएं, पात्रता और रियायत
पेशेवरों
It caters to the housing needs of low-income and rural customers who are micro-banking borrowers of Bandhan Bank.
It allows the construction of semi-pakka and pakka houses with minimal documentation and quick processing.
It does not charge any prepayment fee for individual borrowers on floating rate loans, which gives them the flexibility to repay their loan faster without any penalty
दोष
It has a high processing fee.
Loan comes with a a number of ancillary fees such as: login fee.
It does not have a home saver option, which means you cannot save on interest by linking your home loan account with your savings or current account.
पक्ष विपक्ष
Application Procedure
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