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SBBJ Home Loan, Interest Rate and EMI Calculator

State Bank Of Bikaner & Jaipur (SBBJ) Home Loan EMI Calculator  Get Instant Quick & Easy Approval on SBBJ Home Loan. Loansninsurances.com provide a simple tool to calculate your Home Loan EMI on the basis of✓Interest Rate✓Loan Tenure✓Processing Fee✓Eligibility✓Best Offers & more.

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State Bank of Bikaner and Jaipur (SBBJ) Home Loan

State Bank of Bikaner and Jaipur has the perfect Home Loan with special features, unmatched service levels and flexible repayment options for borrowers to purchase plot / house / flat for construction, extension, renovation and refurbishing. State Bank Of Home Loan has varied and unmatched home loan products to cater to the various home loan requirements of every customer. SBBJ Home Loan is immensely popular for its high eligibility for Businessmen, doorstep service, attractive interest rates, simplified documentation and fastest turnaround time.

Check your home loan eligibility with SBBJ home loan eligibility calculator and choose the perfect home loan which suits you.

State Bank of Bikaner and Jaipur (SBBJ) Home Loan Interest Rates

Interest Rate 9.55%
Processing fee range 0.25% of Loan Amount or Rs.10,000 whichever is minimum
Loan Amount Min. Rs. 50,000/- to Max. Rs. 15 lakhs
Tenure 1 year to 30 years

SBBJ Home Loan EMI Calculator

SBBJ Home Loan EMI Calculator

Fill Loan Amount, Interest rate & Tenure in Fields & get Instant Calculation for Home loan emi within seconds.
Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
 
Monthly EMI
Total Amount with Interest
Flat Interest Rate PA
Flat Interest Rate PM
Total Interest Amount
Yearly Interest Amount

State Bank Of Bikaner and Jaipur Home Loan Eligibility

  • Min. Age 18 years & Max. 70 years. i.e. the age by which the loan should be fully repaid.

  • Loan amount will be determined taking into consideration applicant’s income and repaying capacity, age, assets and liabilities, cost of the proposed house/flat etc.

  • Income of the spouse/ son/ daughter living with you, provided they have a steady income can be clubbed to increase home loan eligibility.

  • Expected rent actuals (less taxes, cess, etc.) if the house/ flat being purchased is proposed to be rented out.

  • Depreciation value, subject to some conditions.

  • Regular income from all sources.

  • Equitable mortgage of the property.

State Bank Of Bikaner and Jaipur Home Loan Documents Required

  • Signed application form with photographs .

  • Proof of identity- Passport, Voter’s ID, Driving License, PAN Card etc.

  • Address Proof- Ration Card, Electricity or Telephone Bill, Passport, Trade License, Sales Tax certificate etc.

  • Copy of PAN Card.

  • Proof of Income for Salaried Applicants- Salary certificate or last 3 months salary slips, Income tax returns for the last 2 years or Form 16 and bank statements for the last 6 months.

  • Proof of Income for Self Employed Professionals, Self Employed Non-Professionals and Business- Proof of business existence and education qualification certificate, Business profile, Tax returns for the last 2 years (attached with audited balance sheet and P&L).

  • IT returns for last 2 years and bank statements for the last 12 months (both self and business). A

  • The Bank can request you for additional documents and proofs .

State Bank of Bikaner and Jaipur Home Loan Prepayments

  • No Pre-closure /pre-payment penalty

  • Repayment to be completed by the time the borrower reaches 70 years.

SBBJ HOME LOAN MARGIN

  • Loan up to Rs. 1 crore: total margin is 20%

  • Loan amount above Rs. 1.00 crore: total margin is 25%