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SBBJ Home Loans

When you are searching for an ideal home financing scheme for purchasing your dream home at an affordable cost, then State Bank of Bikaner & Jaipur(SBBJ) can be the right place for you. State Bank of Bikaner & Jaipur home loans boast all the benefits and features that a perfect home loan program should have.

About State Bank of Bikaner & Jaipur home loans

State Bank of Bikaner & Jaipur home loans come with competitive interest rates and flexible repayment terms. The terms and conditions of State Bank of Bikaner & Jaipur home loans have been designed to suit the budget and requirements of the borrowers. Buying and owning a home is a significant decision in your life. State Bank of Bikaner & Jaipur can take you through the entire home buying procedure without any problem.

Benefits offered by State Bank of Bikaner & Jaipur home loans

Given below are the key benefits offered by State Bank of Bikaner & Jaipur home loans:

  • Doorstep Service
  • Easy eligibility criteria for business professionals
  • Easy paperwork
  • Cheap interest rates
  • Faster turnaround period

Purpose of State Bank of Bikaner & Jaipur home loans

You can avail an SBBJ home loan for any of the following purposes:

  • Purchasing house/plot/flat
  • Extension of home
  • Construction of home
  • Remodeling of home
  • Renovation of home

Eligibility criteria for State Bank of Bikaner & Jaipur home loans

Any individual with a stable and regular source of income can qualify for a State Bank of Bikaner & Jaipur home loan.

Quantum of finance



1) For salaried individuals:

The loan amount is decided on the basis of your EMI/NMI ratio in the following manner:

In case your yearly income is up to Rs.2 lakhs your EMI/NMI ratio should not surpass 40%
In case your annual income is over Rs.2 lakhs and up to Rs.5 lakhs your EMI/NMI ratio should not be over 50%
In case your annual income is more than Rs.5 lakhs - your EMI/NMI ratio should not surpass 55%. Income of daughter/son or spouse (any two) can be combined for computation of income.

2) For business professionals:

The loan amount will be decided on the basis of the sales figure in case the loan amount requested is higher than Rs.2 lakhs.

Margin for State Bank of Bikaner & Jaipur(SBBJ) home loans

The margin for State Bank of Bikaner & Jaipur home loans is as follows:

In case of loan amount up to Rs.1 crore - the margin is 20%
In case of loan amount over Rs. 1.00 crore the margin is 25%

SBBJ has also designed few other home loan products for NRIs and others namely SBBJ Maxgain, SBBJ Realty, NRI Housing Loan Scheme and SBBJ Flexi Housing Loan.

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