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 Purchase of plot/house/flat, construction, extension, renovation and refurbishing Individual EMI/NMI: Income up to Rs. 2.00 lacs not exceeding-40% Income above Rs. 2.00 lacs and up to Rs. 5.00 lacs not exceeding 50% Income above Rs. 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 Rs. 2.00 lacs Loan up to Rs.1 crore 20% above Rs. 1.00 crore 25% Maximum 25 years including moratorium period. No prepayment penalty (if paid from own sources) Repayment to be completed by the time the borrower reaches 70 years 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. 0.60% of loan amount upfront (Max. Rs. 10000/-) for loan > Rs.25000/SBBJ Realty SBBJ Maxgain SBBJ Flexi Housing Loan NRI Housing loan scheme

Purpose Eligibility

Loan Amount

Margin Repayment

Security Processing Fee Other features

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 SBBJ Personal Loan scheme

Purpose

General purpose loan for various expenses Permanent employees of Central / State Govt., Quasi Govt., reputed PSUs, profit making public limited companies, reputed institutions and MNCs corporates enjoying credit facilities from our Bank having credit rating of Eligibility 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 Rs. 9000/- pm 18 times of Net Monthly Income Min. Rs. 50,000/- Maximum Rs. 10.00 lac subject to: Income slab Maximum Loan amount NMI of upto Rs.20, 000/Rs.2.50 lac Loan Amount NMI above Rs.20000/- and upto Rs.35, 000 /Rs. 6.00 lac NMI above Rs.35000/- and upto Rs.50, 000 /Rs. 8.50 lac NMI above Rs.50000/-. Rs. 10.00 lac Pensioners-Rs. 1.50 lacs Margin NIL EMI Upto 60 months subject to repayment of loan upto maximum of Repayment superannuating age NIL Security Check off facility / Post Dated Cheques Processing Fee 1.15% of loan amount
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

Eligibility

Loan Amount

Purchase of new/old car/jeep, MUV/SUV (old upto 5 years) Reimbursement of car purchased from own sources within 2 years Permanent employees, self employed, professionals, businessmen, traders agriculturists Net Annual Income Rs.1, 00,000/- 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. 30 times of Net Monthly Income or

Margin Repayment Security Processing Fee Other features

2.5 times Net Annual Income. No maximum ceiling for new cars. Rs.15 lacs for old vehicles. 15% on road cost. EMI 36-84 months Repayment to be completed by the time the borrower reaches 70 years Hypothecation of vehicle purchased Hyp. Charge noting with RTO PDCs for EMI 0.60% of loan amount Minimum Rs.500/- and Maximum Rs. 10000/Free accidental death cover for loan outstanding.

Welcome to Housing Loan for Raj. Govt. Employees: Key features of the scheme are furnished below: Name of the scheme Housing Loan for Raj.

Purpose Eligibility Loan Amount Margin Rate of interest Repayment Security Processing Fee

Govt. Employees Purchase of plot/house/flat, construction, extension, renovation and refurbishing Regular employees of State Govt. having minimum service of 2 years and upto the age of 55 years. 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. 15% 20% for the plot. As applicable from time to time. Maximum 20 years or upto the remaining length of service Mortgage/Eq. mortgage of the property proposed to be purchased/constructed/improved NIL

Welcome to Loan for Earnest Money: Key features of the scheme are furnished below: Name of the Loan for Earnest Money scheme

Purpose Eligibility

Loan Amount

For booking of residential plot/built of house sold by Govt. agencies and projects approved by the Bank. Individuals above 21 years with a steady source of income 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 Rs.5.00 lacs Which ever is lower

Margin Repayment

Security Processing Fee

Care should be taken to finance only genuine applicants (individuals only) should be financed and not the speculative buyers. Minimum 10%. On receipt of refund Lump sum repayment on availing of housing loan but period is not more than 12 months 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. 0.60% of the loan amount Minimum Rs.110/-