नए घर के लिए सरकारी बैंक से सस्ता लोन कैसे लेते है ? – Home Loan for Women at Lower Interest from SBI

महिलाओं के लिए होम लोन, महिलाओं के लिए होम लोन सबी,प्रधानमंत्री होम लोन कैसे मिलता है,होम लोन सब्सिडी एलिजिबिलिटी 2023, प्रधानमंत्री होम लोन योजना 2023,होम लोन फाइनेंस कंपनी लिस्ट,फाइनेंस कंपनी रजिस्ट्रेशन, निधि फाइनेंस कंपनी, Online home loan application , cancel home loan application online , apply home loan for women property buyers , loan for house property in SBI – It is necessary for every individual to apply for Home loan in India for home buyer. Some banks and finance agencies offer special discounts to those who want to apply for home loan , loan for their house property or for property loan as women .

If you are a Women and seeking for a house loan , property loan for building your house , home loan from SBI ,then in this article we shall be discussing more about how you can apply for home loan at subsidy from SBI 2023. We shall also be discussing what benefits you get on applying for loan from SBI for Women.

What is Home Loan for Women Scheme by SBI ?

Home loan is offered by SBI bank to both its customers and non customers . It is generally offered at discount where more discount is provided in the interest rate when the property it preowned or bought by the person and the loan is required for construction purpose only .

The home loan provided by the SBI bank is often discounted at the interest rate for women when the house is to be bought in the name of female or is to be constructed for a female. The loan is subsidized by the bank if the applicant is a female .

Women can apply for home loan from SBI and can repay it within 30 years in particular installments.

Do SBI Provide Home Loan at lower interest ?

SBI provide a home loan at the minimum documentation requirement where the owner of the property or the loan applicant can apply for lower interest by taking a loan for the least amount and against the property as a security to the bank .

The loan amount is often discounted if it is applied by women applicant where the loan amount is to be repaid within 30 years. Home loans from SBI compared to other companies is offered at the lowest rate and a particular EMI is to be paid to the bank irrespective of the inflation .

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How to apply for Home Loan for Women from SBI ? 

To apply for Home loan from SBI , one can check for the following options :

  1. Apply online on the SBI Home loan application website .
  2. Can contact the SBI Customer support to arrange meeting of a person / agent for home loan in your area.
  3. Can file an application by visiting the nearest bank branch for filing application for Home loan .

What discount is offered on Loan for Home from SBI for women ?

The SBI bank offers a special discount on interest rates for the customer if the customer is a women and have a previous relationship with the bank . The relationship can be in the form of application of a loan previous from the bank or being a fixed deposit customer with the bank .

The discount on interest or the higher loan amount will also matter on the term of loan and the security provided by the applicant where if the loan is obtained against any fixed deposit , then a huge discount can be claimed from the bank .

To know what EMI you have to pay to SBI on your Home loan then you can check the following EMI Calculator from SBI .

Home Loan or Lap for Women at Lower Interest 

To most of the women applicants the difference between the Home loan application and the Loan against property application is quite different where the applicant has to check if the loan is for Home loan if the property is to be purchased and then constructed .

It should be LAP from SBI, if the property is to be constructed to a home and no property is to be purchased . The LAP is available to Women loan applicants to SBI at a lower interest rate where the home loan to applicant is provided at a higher rate of interest somewhere around 9 to 12 percent .

What is essential before taking the Home loan for Women from SBI ?

The documents which are required to apply for home loan by Women applicants from SBI include the following :

List of papers/ documents applicable to all applicants:

  • Employer Identity Card
  • Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs
  • Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card
  • Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card

Property Papers:

  • Permission for construction (where applicable)
  • Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale
  • Occupancy Certificate (in case of ready to move property)
  • Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt
  • Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
  • Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller

Account Statement:

  • Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
  • If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year

Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:

  • Salary Slip or Salary Certificate of last 3 months
  • Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.

Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:

  • Business address proof
  • IT returns for last 3 years
  • Balance Sheet & Profit & Loss A/c for last 3 years
  • Business License Details(or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A./ Doctor and other professionals)

How to cancel Home Loan application from SBI or do Foreclosure of Home loan from SBI ?

If you have mistakenly apply for home loan instead of personal loan or you want to cancel your home loan application for now then you have to complete a particular procedure for the loan application cancellation . If the loan has been approved or is disbursed to your account , then you cannot cancel your loan application with SBI .

In order to cancel your home loan application as a women from SBI , you can contact on the following contact options : 1800 11 2018

Foreclosure of a SBI Home loan account is a different thing compared to cancellation of a loan application. Fore closure means that the loan application is to be closed before the actual period of the loan lapses. This can be done if the borrowers makes all payment for home loan from SBI in a single go.

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Application of Home loan from SBI for Women can be availed on a lower rate of Interest and application for the loan can be made from the bank instantly through help of a loan agent. You can also avail for a loan top up later if your find the amount of home loan disbursed lower than the amount required.

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