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Personal Banking - ADVANCES |
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Deposits |
Advances |
htm">Safe Deposit Lockers |
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Welcome to SBBJ Home Loans:
Purchasing and owning a house is an emotional decision, you will find SBBJ a right partner to steer you through the course.
Enjoy the SBBJ Advantage:
- High Eligibility for Businessmen
- Doorstep Service
- Attractive Interest Rates
- Simplified Documentation
- Quicker Turnaround time
Realize your dream.
Enjoy the comfort of your own Home be it small or big.
Key features of the scheme are furnished below:
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Welcome to SBBJ- Personal Loan:
An all purpose loan.
Our Personal Loans help to make a difference in your life.
No matter what financial needs are - unexpected expenses, school
fees, wedding in the family, home improvement or that long awaited
vacation? Whatever the occasion, our Personal Loans can help.
Even pensioners can enjoy this scheme.
Lead your life in Peace and Harmony by fulfilling your obligations and responsibilities
Key features of the scheme are furnished below:
| Name of the scheme |
SBBJ Personal Loan |
| Purpose |
General purpose loan for various expenses |
| Eligibility |
Permanent employees of Central / State Govt., Quasi Govt., reputed PSUs, profit making
public limited companies, reputed institutions and MNC’s corporates enjoying credit
facilities from our Bank having credit rating of SBBJ-1 & SBBJ-2 and reputed institutions
with minimum of 2 years service drawing salary through account maintained with our bank.
Minimum Net Monthly Income  9000/- pm
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| Loan Amount |
18 times of Net Monthly Income
Min. 50,000/- Maximum 10.00 lac subject to:
Income slab
Maximum Loan amount
NMI of upto 20, 000/-
2.50 lac
NMI above 20000/- and upto 35, 000 /-
6.00 lac
NMI above 35000/- and upto 50, 000 /-
8.50 lac
NMI above 50000/-.
10.00 lac
Pensioners- 1.50 lacs
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| Margin |
NIL |
| Repayment |
EMI Upto 60 months subject to repayment of loan upto maximum of superannuating age
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| Security |
NIL
Check off facility / Post Dated Cheques
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| Processing Fee |
1.00% of loan amount |
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Welcome to SBBJ CAR LOAN:
Enjoy the ride.
Drive with grace and dignity.
Hurry, avail the benefits of teaser interest rates under SBBJ- EZEE CAR LOAN
Move ahead in life with SBBJ Car Loans!
If you have been putting off purchasing a Car, just go through our car loan scheme and you
yourself realize the difference.
Low interest rates, easy repayment options, total transparency.
Key features of the scheme are furnished below:
| Name of the scheme |
SBBJ Car Loan |
| Purpose |
Purchase of new/old car/jeep, MUV/SUV (old upto 5 years)
Reimbursement of car purchased from own sources within 2 years
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| Eligibility |
Permanent employees, self employed, professionals, businessmen, traders agriculturists
Net Annual Income 2, 50,000/- and above.
Income of spouse / father / mother/ brother / sister
(any one) can be clubbed, who will join as co-borrower. NMI should be at least 2 times of EMI.
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| Loan Amount |
30 times of Net Monthly Income or
2.5 times Net Annual Income.
No maximum ceiling for new cars
15 lacs for old vehicles.
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| Margin |
15% on road cost. |
| Repayment |
EMI 36-84 months
Repayment to be completed by the time the borrower reaches 70 years
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| Security |
Hypothecation of vehicle purchased
Hyp. Charge noting with RTO
PDCs for EMI
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| Processing Fee |
0.60% of the loan amount with minimum 500 and maximum 10000 |
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Welcome to Housing Loan for Raj. Govt. Employees:
Key features of the scheme are furnished below:
| Name of the scheme |
Housing Loan for Raj. Govt. Employees |
| Purpose |
Purchase of plot/house/flat, construction, extension, renovation and refurbishing
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| Eligibility |
Regular employees of State Govt. having minimum service of 2 years and upto the age of 55 years |
| Loan Amount |
60 times of gross monthly income subject to total deduction including proposed EMI
is restricted to 60% (voluntary saving excluded).
Income of spouse cannot be clubbed.
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| Margin |
15%
20% for the plot. |
| Rate of interest |
As applicable from time to time. |
| Repayment |
Maximum 20 years or upto the remaining length of service |
| Security |
Mortgage/Eq. mortgage of the property proposed to be purchased/constructed/improved
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| Processing Fee |
NIL |
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Welcome to Loan for Earnest Money:
Key features of the scheme are furnished below:
| Name of the scheme |
Loan for Earnest Money |
| Purpose |
For booking of residential plot/built of house sold by Govt. agencies and projects approved by the Bank.
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| Eligibility |
Individuals above 21 years with a steady source of income
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| Loan Amount |
90% of application money or
15 times NMI.
Incomes of all the applicants may be taken into account if application is in joint names
or
10% of the value of the house/ plot/ flat or
5.00 lacs
Which ever is lower
Care should be taken to finance only genuine applicants (individuals only) should be financed
and not the speculative buyers
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| Margin |
Minimum 10%. |
| Repayment |
On receipt of refund
Lump sum repayment on availing of housing loan but period is
not more than 12 months
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| Security |
Third party guarantee or any other tangible security Sanctioning authority may waive the third party
guarantee in case the applicant is dealing with our Bank for the last 5 years and eligible for the housing loan.
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| Processing Fee |
0.60% of the loan amount Minimum 110/- |
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