Home Loan in Ghaziabad: Overview
Ghaziabad is an emerging residential market for people looking to buy or invest in the real estate industry. The city lies between Meerut and Delhi. Primely located on the Grant Trunk Road, it is well-connected and provides ease of transport to and from Greater Noida, Noida, and Delhi. Moreover, the Rapid Rail Transit System passing through Ghaziabad has improved connectivity to major cities.
Furthermore, several IT companies and BPOs are being set up in Ghaziabad. Such opportunities have led to an increase in residential projects replete with the best amenities, making Ghaziabad’s residential market favourable for investments.
With our Home Loans, you can easily be a homeowner in one of its top locales.
Home Loan in Ghaziabad: Features and Benefits
Long and Flexible Repayment Tenor
Bajaj Housing Finance offers a tenor of up to 40 years which can enable you to make comfortable repayments.
No Prepayment Charges
Individual borrowers can prepay their floating interest rate Home Loan without paying any additional cost.
Hassle-Free Documentation
Our minimal documentation requirement ensures speedy Home Loan application process.
Online Account Management
You can make EMI payments, check your balance, or view and download your interest certificate wherever you are and at any time using the customer portal.
Easy Home Loan Balance Transfer
You can easily transfer and refinance your Home Loan to Bajaj Housing Finance for better terms and a competitive interest rate. Additionally, you get access to a sizeable Top-up Loan, which can be used for other housing expenses.
Online Calculators
Bajaj Housing Finance offers a host of online calculators, such as a Home Loan EMI Calculator can help you understand your monthly EMIs and a Home Loan Eligibility Calculator can help you calculate the loan amount you are eligible for, basis the inputs provided.
Home Loan in Ghaziabad: Documents Required
To avail of a Home Loan, you need to submit the following documents:
- KYC documents for identity verification
- Mandatory documents such as PAN Card or Form 60
- Income-proof documents based on your profile such as Form 16 and salary slips
- Bank account statements of the last 6 months
- Proof of business
- Passport-sized photograph
- Property documents such as sale agreement
Note: This list of documents is indicative, and you may be required to submit others during your application, if needed.
Home Loan Eligibility in Ghaziabad
Borrowers need to meet the following eligibility criteria for a Home Loan in Ghaziabad:
| Eligibility Criteria | For Salaried | For Self-employed |
|---|---|---|
| Nationality | Indians (including NRIs) | Indians (residents) |
| Age | 23 to 75 years** | 25 to 70 years** |
| Experience | 3 years and above | 5 years and above |
| Income | Regular income from a public, private, or a multinational organisation. | Proof of income source from the existing business |
**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
*Terms and conditions apply.
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