The TJSB Sahakari Bank Ltd. offers 2 types of House Loans.

1. Housing Loan
2. House Mortgage Loan

Here I am providing information about HOUSING LOAN SCHEME:

HOUSING LOAN SCHEME

Loan Limit : is maximum Upto Rs. 70.00 Lacs.

Repayment :
Maximum 240 months inclusive of moratorium period of maximum 18 months or till the retirement age if Salaried whichever is earlier.

No Pre-payment Penalty.

Eligibility:
For Salaried Persons :
Employees of reputed and financially sound organization.
Minimum Gross take home salary of INR.15,000/- per month.

For businessmen &Professionals :
Business should have establishment of minimum of 3 years.

Co-Applicant :
Co-Owners of dwelling unit must be taken as Co-applicant.
Spouse /parents of the applicant other than Co-owners can be taken as Co-applicant.

Required Documents:
Income Proof of Applicant(s) & Guarantor(s)
Residential Proof of Applicant(s) & Guarantor(s)
Property Documents
PAN Card of Applicant(s) & Guarantor(s)
KYC of Applicant(s) & Guarantor(s)
Two Acceptable Guarantors and Security holders to be also taken as guarantors.

Other Charges : One Upfront EMI, Franking Charges, CERSAI, Filing Mortgage, Insurance of property,Legal charges etc.(Valuation, Sanction Confirmation if applicable)

Share Membership:
Borrower & Co-Borrower : Regular Membership fees @2.5% of loan amount (Maxi.Rs.5.00L)
Guarantors : Nominal membership

Helpline:
Customer Care : 1800 223 466