Why opt for a Home Loan from Bharat Cooperative Bank?
Trusted and Verified: Bharat Cooperative Bank (Mumbai) Ltd. has
been a reliable bank for over 40 years.
Flexible Loan Solutions: Whether you are employed, own your
business, or are applying with someone else, they have choices if you’re building, purchasing,
or repairing a place.
Easy to Understand: They make the loan process simple with clear
steps and are known for quick decisions and easy payouts.
Customer Service: You will get personal help with your loan, from
start to finish. Plus, you can apply with someone else or transfer your current loan to them.
Bharat Cooperative Bank Home Loan Products
Here's a quick look at their offerings :
Griha Samriddhi: Great if you are building a house, buying a flat
(new or used), or transferring your current home loan.
Griha Shobha: If you already have a home loan with them and need
money for repairs or renovations, this one's for you.
Top-Up Loans: Need extra cash on top of your existing Bharat
Cooperative Bank home loan? Check this out.
Balance Transfer Facility: Move your home loan from another bank
to them, and you could get a better deal.
Home Loan Interest Rates 2025
Bharat Cooperative Bank has good floating and fixed rates that depend on the category. For 2025,
here's what we think, based on official info:
| Loan Amount |
Interest Rate (p.a.) |
Tenure |
Processing Fees |
| Up to ₹30 Lakh |
11.5% – 17.0% |
Up to 20 years |
0.25–2.0% of loan amt |
| Above ₹30 Lakh |
11.5% – 17.0% |
Up to 20 years |
0.25–2.0% of loan amt |
Rates may vary based on applicant profile and changing RBI norms. For current rates, always
verify with the bank directly.
Fees and Other Charges :
Processing Fee: Expect to pay between 0.25% and 2.0% of the loan
amount.
Other Expenses: Consult with the branch for exact numbers.
Good News: There are no extra fees if you pay off your floating
rate loan early.
Who Can Get a Home Loan?
Age: If you are employed, you should be 18–60 years old. If
you're self-employed, you can be up to 65 years old.
Income: You need a stable income that's high enough to pay back
the loan.
Profile: You can apply alone or with someone else (like a spouse,
parent, or older kid).
Repayment Method: Lenders will look at your income, credit
history, and any other debts you have.
Loan Amount: You might get anywhere from ₹50 lakh to ₹1.4 crore
depending on the lender and your situation.
Tenure: You can choose a loan that lasts up to 20 years. If
you're moving a loan from somewhere else, it can be the time left on that loan.
Required Documents for Home Loan
Here's the paperwork you'll probably need:
Identity and Address Proof: Aadhaar, PAN, Voter ID, passport, or
driver's license should do the trick.
Proof of Income: Got recent pay slips (past 3 months), a Form 16, or
your last two years of tax returns? If you're self-employed, bring your business income information.
Bank Details: Your bank statements for the last half-year.
Property Info: The sale deed or agreement, approved building plan, a
No Objection Certificate (NOC), and any permissions from the builder or local authorities.
Photos: A recent passport-sized photo.
Co-applicant Info: Same documents as above if you have a
co-applicant.
Education: If relevant to the occupation.
How to Apply for a Bharat Cooperative Bank Home Loan via TyTil
?
Applying for a Bharat Cooperative Bank Home Loan Through TyTil . It makes getting
a loan simpler online:
Compare Loan Options: Just head to TyTil and check out their
tool to compare home loans from Bharat Cooperative Bank and other lenders.
Submit Application: Fill out their quick online form – add basic
info about you, what kind of loan you need, the property details, and how to reach you.
Upload Documents: Upload all the documents they need (like your
ID, income statements, and property papers) safely online.
Get Instant Support: TyTil advisors are ready to help you with
everything. They can check if you qualify, guide you on the paperwork, and talk to the bank for
you.
Follow Your Application: You can see how your application is
going online, get updates until the bank gives the final approval and disbursal.
Bharat Cooperative Bank Home Loan Schemes: A Brief Overview
Regular Home Loans: Buying or building a house? This regular home loan is for you.
Land Loans: Want to buy land? We can help, even if you plan to build later.
Home Improvement Loans: Time for repairs or upgrades? Check these home improvement loans.
Balance Transfers: Move your current loan to us for better rates or service.
Top-Up Loans: Need extra cash on top of your current home loan? We have got you.
Benefits of Applying via TyTil
Quick and Easy: Compare options in one place, upload docs, and track progress without going to different branches.
Expert Advice: TyTil experts explain everything and answer questions, giving you a better chance of getting approved.
Special Offers: Get access to rates, deals, or cashback just for TyTil users.
Track Easily: See your loan status and get reminders about what to do next.