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Personal Banking - ADVANCES

Deposits | Advances | Safe Deposit Lockers

SBBJ Home Loan SBBJ Realty Housing Loan For Rajasthan Govt. Employees Housing Loan Scheme For NRIs Earnest Money Deposit Scheme For Purchase Of Land/House
SBBJ Car Loan Scheme Vishesh Vahan Yojna For Rajasthan Govt. Employees SBBJ Education Loan Scheme SBBJ Mortgage Loan Scheme SBBJ Personal Loan
SBBJ Two Wheeler Loan Scheme SBBJ Rent Plus Scheme Loan for Rajasthan Govt. Employees SBBJ Home Cash SBBJ Pension Loan
SBBJ Reverse Mortgage Loan Scheme SBBJ Career Loan Loan Scheme for Vocational Education & Training Loan for Power Sector Employees PENSION PLUS LOAN SCHEME
SBBJ SARAL GOLD LOAN SCHEME Home Loan Centres
 
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:

Name of the scheme SBBJ Home Loan
Purpose Purchase of plot/house/flat, construction, extension, renovation and refurbishing
Eligibility Individual
Loan Amount EMI/NMI:
Income up to 2.00 lacs – not exceeding-40%
Income above 2.00 lacs and up to 5.00 lacs – not exceeding 50%
Income above 5.00 lacs – not exceeding-55% Income of spouse /son/ daughter {any two) can be clubbed.
For businessman loan amount may be considered on the basis of sales if the loan amount is more than 2.00 lacs
Margin Loan up to 1 crore 20% above 1.00 crore –25%
Repayment

Maximum 30 years including moratorium period.
Pre-closure /pre-payment penalty is discontinued on all Home Loans irrespective of the period for which the account has run or the source of funds.
Repayment to be completed by the time the borrower reaches 70 years

Security Mortgage/ Eq. mortgage of the property proposed to be purchased/constructed/improved or any other tangible security Guarantee of spouse/son/daughter if income is clubbed.
PDCs for EMI.
Processing Fee

REGULAR HOME LOAN : 0.50 % of loan amount. (Min. Rs. 500/- and Max. Rs. 10000/-)


ONLINE HOME LOAN : 25 % concession on applicable processing fee (Min. Rs. 500/- and Max. Rs. 10000/-)

Other features SBBJ Realty SBBJ Maxgain
SBBJ Flexi Housing Loan
NRI Housing loan scheme
 
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
Loan Amount 24 times of Net Monthly Income by way of demand loan with an upper cieling of 15.00 lac and lower limit of 0.50 lacs
Margin NIL
Repayment EMI Upto 60 months subject to repayment of loan upto maximum of superannuating age
Security NIL
Check off facility / Post Dated Cheques
Processing Fee 1.00% of loan amount
 
Welcome to SBBJ CAR LOAN:

Enjoy the ride.
Drive with grace and dignity.
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/MUC/SUV ( Old upto 5 years)
Eligibility
  i) Salaried employees & Pensioners:
Minimum Net Annual Income (NAI) of 3 Lac for all, whether or not maintaining Salary Package Account with us.
ii) Self employed, professionals and Proprietary / Partnership Firms: Minimum Net Profit or Gross taxable income of 4 Lakh as per ITR.
iii) Agriculturist: Minimum Net Annual income of 4 Lac
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.
Margin 15% on road cost.
Repayment EMI 36-84 months
Repayment to be completed by the time the borrower reaches 70 years
Security Hypothecation of vehicle purchased
Hyp. Charge noting with RTO
PDCs for EMI
Processing Fee Flat 500/- per car loan
for online customers : NIL
 
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
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.
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
Processing Fee NIL
 
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.
Eligibility Individuals above 21 years with a steady source of income
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
Margin Minimum 10%.
Repayment On receipt of refund
Lump sum repayment on availing of housing loan but period is not more than 12 months
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.
Processing Fee 0.60% of the loan amount Minimum 110/-
 
 

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