Why get a home loan from Jharkhand State Cooperative Bank?
- Trustworthy and Local: Jharkhand State Cooperative Bank deeply understands
Jharkhand and supports people across small towns and big cities.
- Easy to Get and Pay For: With simple eligibility rules and affordable rates
for salaried and self-employed individuals, home ownership becomes easier.
- Lots of Loan Options: Choose from loans for buying, building, renovating,
or expanding your house.
- Easy to Understand: Clear terms and friendly customer service make the
process simple, even for first-time borrowers.
- Quick Decisions: Local expertise allows for faster loan approvals and
smoother processing.
Jharkhand State Cooperative Bank Home Loan Products
Jharkhand State Cooperative Bank has these home loan options:
Home Purchase Loans: Buy a new or used house or apartment in
Jharkhand with a home purchase loan.
Home Construction Loans: With a home construction loan, build a
house on your land.
Home Improvement/Renovation Loans: Fix or add to your house with
a home improvement loan.
Plot Purchase Loans: The plot purchase loan solution helps to buy
land to build a house, if it's in an approved place.
Composite Loans: Buy land and build a house at the same time with
composite loans.
These loans are made for people with jobs and people who work for themselves, like farmers and
small business owners.
Jharkhand State Cooperative Bank Home Loan Interest Rates
Jharkhand State Cooperative Bank maintains attractive, people-friendly rates
| Loan Product |
Interest Rate (p.a.) |
Processing Fee |
Tenure |
| Home Purchase/Construction |
9.20% – 10.40% |
Up to 1% of the sanctioned loan |
Up to 20 years |
| Home Renovation/Expansion |
9.25% – 10.50% |
Up to 1% |
Up to 15 years |
| Plot/Composite Loan |
9.80% – 11.00% |
1% or as per scheme |
Up to 10 years |
- Prepayment/Foreclosure Charges: Usually NIL or nominal for floating rate,
individual loans.
- Interest Rates: Vary based on profile and loan product; check exact rates
before application.
Jharkhand State Cooperative Bank Home Loan Eligibility Criteria
Age: 21–65 years at loan closure; minimum age 21 to apply.
Income: Regular, verifiable income from salary or business.
Job: Minimum 1 year of employment or at least 2 years in
business.
Past Loans: A good repayment history on previous loans is
preferred.
Property: Property must have a clear title and be in an approved
area.
Other: Co-applicants allowed to enhance loan eligibility.
Required Documents for Jharkhand State Cooperative Bank Home Loan Partner
Get these papers ready to apply for plots for Sale in Jharkhand.
Loan Application: Completed and signed application form with
recent passport-size photographs.
ID Proof: Aadhaar, PAN card, Voter ID, or Passport.
Address Proof: Utility bill, Aadhaar, or Ration card.
Income Proof:
If employed – Salary slips (last 3–6 months), Form 16, bank statements (6–12
months).
If self-employed – Income tax returns (last 2–3 years), business documents,
balance sheet, and bank statements.
Property Documents: Sale deed, title deed, approved building
plan, and property tax receipts.
Other: Application fee, co-applicant documents, and property
insurance (if applicable).
How to Apply Jharkhand State Cooperative Bank Home Loan via
TyTil
TyTil makes it easy to apply for home loan interest rate online:
- Sign Up: Choose Jharkhand State Cooperative Bank and tell them what you
need.
- See if You Can Get a Loan: TyTil checks if you can get
a loan and matches you with the right options.
- Apply Online: Fill out the form, upload your papers, and get a loan offer.
- Experts Help: TyTil helpers can answer your every
question and update you.
- Get Approved: Get the loan money in your account and track it online.