Sarva Haryana Gramin Bank Plot Loan

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Sarva Haryana Gramin Bank Plot Loan Features

Floating Rate Up to 20 Lac Above 20 Lac Up to 20 Lac Above 20 Lac
Repayment up to 5 years 10.50% 10.75% 10.50% 10.75%
Repayment above 5 years & up to 15 years 11.00% 11.00% 11.00% 11.00%
Repayment above 15 years & up to 20 years 11.00% 11.00% 11.00% 11.00%
Repayment up to 25 years 10.00% 10.00% 10.00% 10.00%
Home Loan Top Up Card Rate of Housing Loan given + 2% Card Rate of Housing Loan given + 2% Card Rate of Housing Loan given + 2% Card Rate of Housing Loan given + 2%
Special Home Loan Top Up Card Rate of Housing Loan given + 1% Card Rate of Housing Loan given + 1% Card Rate of Housing Loan given + 1% Card Rate of Housing Loan given + 1%

Plot Loan

Sarva Haryana Gramin Bank offers plot loans to both salaried and self-employed people with Indian nationality.

Sarva Haryana Gramin Bank plot loan

1.   Tenure

The time for the Sarva Haryana Gramin Bank plot loan is 30 years.

2.   Prepayment Fine

A prepayment fee is a nil

3.   Loan to Value Ratio (LTV)

LTF is 90%.

4.   Tax Benefits

There are no tax benefits in the Sarva Haryana Gramin Bank plot loan.

Sarva Haryana Gramin Bank plot loan with Construction vs Home Loan

Parameters Plot Loan with Construction Regular Home Loan
Tenure Up to 15 years Up to 30 years
Prepayment fine Free Free
Loan to Value (LTV) up to 10.24% up to 90%
Plot with Construction Loan interest rates The rates are similar to a home loan but can go higher. Start at 6.80%*
Tax Benefits Eligible after the construction of a building or home on the plot Home loan owners are eligible.

Sarva Haryana Gramin Bank plot loan for self-employed individuals

Salient Features

  • Self-utilized people can apply for this credit.
  • Purchase a plot that is at present confined.
  • Purchasing a plot through a compact suggestion in a covering society or a maker plan
  • Move his/her sketchy driving immovable profited by another money-related affiliation
  • Changed repayment decisions offered to the record holder subject to the credit entire, advance inhabitance, and speed of pay gave by the bank.
  • Striking paces of interest possible on the plot advances to make it sensible for the up-and-comers.
  • No clear expenses are charged on the unforeseen development.

Who can apply for a Sarva Haryana Gramin Bank plot loan self-employed?

Individuals can apply for this credit disengaged or together. People for the plot advances should be the planned proprietors of the plot. Co-contender overall joins family people and need not be co-owners of the stuff.

Loan term

  • The most marvelous residency is 15 years.
  • The improvement term relies upon the repayment framework the competitor has decided for.
  • The customer’s game plan, age of the plot at the hour of the improvement prime of life, age of the customer at the hour of credit improvement also expect work in picking the movement term.

Maximum loan amount

Loan Amount Maximum Funding
Up to Rs.30 lakh 80% of the property price*
Rs.30.01 lakh to Rs.75 lakh 80% of the property price*
Over Rs.75 lakh 75% of the property price*


Type of Sarva Haryana Gramin Bank plot loans self-employed:

TruFixed Home Loan – 2/3 Year Fixed Rate Variant

Under the Tru Fixed Home Loan, the contender can benefit at a protected speed of up to 2/3 years, amounting to an entire 15-year advance period.

Adjustable-Rate Loan

The speed of interest in the development is refreshed as expected. Development in the speed of interest will achieve an upsurge to the EMI’s preferred position fragment which subsequently will diminish the focal portion.

Sarva Haryana Gramin Bank plot loan Interest Rates For self-employed professionals

Adjustable Home Rate Loan

The Retail Prime Lending Rate for autonomously utilized specialists is stuck at 16.20%

Loan Slab Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh) 7.05 to 7.55
For others* (up to 30 lakh) 7.10 to 7.60
For women* (above 30 lakh) 7.30 to 7.80
For others* (above 30 lakh) 7.35 to 7.85
For Women* (75.01 Lakhs & Above) 7.40 to 7.90
For Others*(75.01 Lakhs & Above) 7.45 to 7.95

The financing costs are material just for credits under the Adjustable-Rate Home Loan Scheme of the bank and can be overhauled at the hour of payment.
Tru Fixed Loan – 2 Year Fixed Rate Variant

The Retail Prime Lending Rate (RPLR) is stuck at 16.20%

Loan Slab Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh) 7.05 to 7.55
For others* (up to 30 lakh) 7.10 to 7.60
For women* (above 30 lakh) 7.30 to 7.80
For others* (above 30 lakh) 7.35 to 7.85
For Women* (75.01 Lakhs & Above) 7.40 to 7.90
For Others*(75.01 Lakhs & Above) 7.45 to 7.95


Sarva Haryana Gramin Bank plot loan interest rates for self-employed non-professionals

Adjustable-Rate Home Loan

The Retail Prime Lending Rate (RPLR) stays at 16.20%

Loan Slab Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh) 7.05 to 7.55
For others* (up to 30 lakh) 7.10 to 7.60
For women* (above 30 lakh) 7.30 to 7.80
For others* (above 30 lakh) 7.35 to 7.85
For Women* (75.01 Lakhs & Above) 7.40 to 7.90
For Others*(75.01 Lakhs & Above) 7.45 to 7.95

TruFixed Loan – 2 Year Fixed Rate Variant 

The Retail Prime Lending Rate is stuck at 16.20%

Loan Slab Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh) 7.05 to 7.55
For others* (up to 30 lakh) 7.10 to 7.60
For women* (above 30 lakh) 7.30 to 7.80
For others* (above 30 lakh) 7.35 to 7.85
For Women* (75.01 Lakhs & Above) 7.40 to 7.90
For Others*(75.01 Lakhs & Above) 7.45 to 7.95

Sarva Haryana Gramin Bank plot loan documents required for self-employed

Purpose Documents
Proof of identity and residence (Any 1) 1.      Voter ID Card
2.      Valid Driving License
3.      Aadhaar Card
4.      Valid Passport
Proof of income 1.      Income Tax Returns (ITR) along with computation of income for the previous three assessment years.
2.      Savings account statements of the individual and current account statements of the business entity for the last six months
3.      Balance sheet and Profit and Loss account statements with schedules/annexures
(Documents of both the individual and the business entity should be attested by a CA for points 2 and 3)
Other documents 1.      Business profile
2.      Latest Form 26AS

Sarva Haryana Gramin Bank plot loan charges for self-employed

Processing fees:

Out of whichever is higher somewhere in the extent of Rs.3,000 and 0.50% of the advancement entire and other extra fitting responsibility for self-sufficiently used subject matter experts. Out of whichever is higher between Rs.4,500 or up to 1.50% of the credit entire and another extra suitable obligation for uninhibitedly used non-subject matter experts.

Prepayment charges:

Adjustable-Rate Home Loans (ARHL) Adjustable-Rate Loans (ARHL):
·        No prepayment charges will be payable on account of full/part payments for loans sanctioned to individual borrowers.
·        For loans sanctioned to individual borrowers with the firm, company, etc. as a co-applicant. Prepayment charges at 2% plus taxes, as may be applicable from time to time, of the amount being prepaid, are payable.
·        The customer will have to submit documents that Sarva Haryana Gramin Bank deems fit and proper to confirm the source of funds at the time of prepayment of the loan.
Fixed-Rate Home Loans (FRHL) Fixed-Rate Loans (FRHL)
·        No prepayment charges will be applicable for part/full payments made from own sources i.e., sources other than a bank/NBFC/HFC or financial institutions
·        The customer should submit documents that Sarva Haryana Gramin Bank sees fit and proper to determine the source of funds.
·        Prepayment charges will be 2% plus taxes and statutory levies and charges of the outstanding amounts being so prepaid through any financial institution or any bank and will be applied to all full/ partial prepayments.
Fixed and Variable Rate Loans (Combination rate) Fixed and Variable Rate Loans (Combination rate)
·        During the Fixed Rate period:
·        The prepayment charges will be 2%, plus applicable taxes and statutory charges and levies of the outstanding amount being so prepaid through refinance from financial institutions or any banks, and will apply to all partial/full prepayments.
·        The customer must submit documents that Sarva Haryana Gramin bank approves to confirm the source of funds at the time of prepayment of the loan.
·        During the Variable Rate period:
·        No prepayment charges will be applicable on account of full/partial prepayments for loan sanctioned to individual borrowers.
·        For loans sanctioned to individual borrowers with the firm, company, etc. as co-applicants. Prepayment charges at 2% plus taxes and statutory charges, as may be applicable from time to time, of the amount being prepaid are payable.
The prepayment charges mentioned will apply to the date of execution of the loan agreement. However, the charges are subject to change from time to time depending on the prevailing policies of the Sarva Haryana Gramin bank plot loan. 


Conversion fees

Name of the service/product Name of the charge/fee levied When payable Frequency
Switch to a lower rate in Variable Rate Loans (Housing/improvement/extension) Conversion fees On conversion On every spread change
Switching to Variable Rate Loan from Fixed Rate Loan (Housing/improvement/extension) Conversion fees On conversion Once
Switching from Trufixed Fixed Rate to Variable Rate Loan Conversion fees On conversion Once
Switch to Lower Rate (Non-Housing Loans) Conversion fees On conversion On every spread change
Switch to Lower Rate (Non-Housing Loans) Conversion fees On conversion On every spread change

Cheque dishonor charges 

Rs.200

Fees on account of external opinion

The outside assessment can be either from specialized valuers or advocates and the expenses can be paid straightforwardly to the concerned individual relying upon the sort of help delivered.

Property insurance: 

The client ought to consistently pay the excellent sums straightforwardly to the protection supplier to keep the approach dynamic during the credit residency.

Incidental charges: 

Accidental charges and costs are forced to cover the charges, costs, and different costs that may have been used to recuperate duty from a defaulting client.

Statutory/regulatory charges

The client will be exclusively answerable for all charges material on stamp obligation/MOD/MOE/Central Registry of Securitization Asset Reconstruction and Security Interest of India

List of documents 

Up to Rs.500

Photocopy of documents 

Up to Rs.500

Increase/decrease in the loan term

Up to Rs.500 plus applicable loan term

Disbursement cheque cancellation charge post disbursement

Up to Rs.200

PDC swap

Up to Rs.200

Sarva Haryana Gramin Bank plot loan for salaried individuals

Salient Features

  • Self-utilized people can apply for this credit.
  • Purchase a plot that is at present confined.
  • Purchasing a plot through a compact suggestion in a covering society or a maker plan
  • Move his/her sketchy driving immovable profited by another money-related affiliation
  • Changed repayment decisions offered to the record holder subject to the credit entire, advance inhabitance, and speed of pay gave by the bank.
  • Striking paces of interest possible on the plot advances to make it sensible for the up-and-comers.
  • No clear expenses are charged on the unforeseen development.

Who can apply for a Sarva Haryana Gramin Bank plot loan for salaried individuals?

Individuals can apply for this credit disengaged or together. People for the plot advances should be the planned proprietors of the plot. Co-contender overall joins family people and need not be co-owners of the stuff.

Loan term

  • The most marvelous residency is 15 years.
  • The improvement term relies upon the repayment framework the competitor has decided for.
  • The customer’s game plan, age of the plot at the hour of the improvement prime of life, age of the customer at the hour of credit improvement also expect work in picking the movement term.

Maximum loan amount

Loan Amount Maximum Funding
Up to Rs.30 lakh 80% of the property price*
Rs.30.01 lakh to Rs.75 lakh 80% of the property price*
Over Rs.75 lakh 75% of the property price*

Type of Sarva Haryana Gramin Bank plot loan for salaried individuals:

TruFixed Home Loan – 2/3 Year Fixed Rate Variant

Under the Tru Fixed Home Loan, the contender can benefit at a protected speed of up to 2/3 years, amounting to an entire 15-year advance period.

Adjustable-Rate Loan

The speed of interest in the improvement is revived true to form. Advancement in the speed of interest will accomplish an upsurge to the EMI’s favored position part which in this way will reduce the central segment.

Sarva Haryana Gramin Bank plot loan interest rates for salaried individuals

Adjustable Home Rate Loan

The Retail Prime Lending Rate is stuck at 16.20%.

Loan Slab Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh) 7.05 to 7.55
For others* (up to 30 lakh) 7.10 to 7.60
For women* (above 30 lakh) 7.30 to 7.80
For others* (above 30 lakh) 7.35 to 7.85
For Women* (75.01 Lakhs & Above) 7.40 to 7.90
For Others*(75.01 Lakhs & Above) 7.45 to 7.95


TruFixed Loan – 2 Year Fixed Rate Variant
 

The Retail Prime Lending Rate (RPLR) is stuck at 16.20%

Loan Slab Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh) 7.05 to 7.55
For others* (up to 30 lakh) 7.10 to 7.60
For women* (above 30 lakh) 7.30 to 7.80
For others* (above 30 lakh) 7.35 to 7.85
For Women* (75.01 Lakhs & Above) 7.40 to 7.90
For Others*(75.01 Lakhs & Above) 7.45 to 7.95


Sarva Haryana Gramin Bank plot loan documents required for salaried individuals

Purpose Documents
Proof of identity and residence (Any 1) 1.      Voter ID Card
2.      Valid Driving License
3.      Aadhaar Card
4.      Valid Passport
Proof of income 1.      Income Tax Returns (ITR) along with computation of income for the previous three assessment years.
2.      Savings account statements of the individual and current account statements of the business entity for the last six months
3.      Balance sheet and Profit and Loss account statements with schedules/annexures
(Documents of both the individual and the business entity should be attested by a CA for points 2 and 3)
Other documents 1.      Business profile
2.      Latest Form 26AS

Sarva Haryana Gramin Bank plot loan charges for salaried individuals

Processing fees

Out of whichever is higher someplace in the degree of Rs.3,000 and 0.50% of the progression whole and other additional fitting duty regarding independently utilized topic specialists. Out of whichever is higher between Rs.4,500 or up to 1.50% of the credit whole and another extra reasonable commitment for uninhibitedly utilized non-topic specialists.

Prepayment charges

Adjustable-Rate Home Loans (ARHL) Adjustable-Rate Loans (ARHL):
·        No prepayment charges will be payable on account of full/part payments for loans sanctioned to individual borrowers.
·        For loans sanctioned to individual borrowers with the firm, company, etc. as a co-applicant. Prepayment charges at 2% plus taxes, as may be applicable from time to time, of the amount being prepaid, are payable.
·        The customer will have to submit documents that Sarva Haryana Gramin Bank deems fit and proper to confirm the source of funds at the time of prepayment of the loan.
Fixed-Rate Home Loans (FRHL) Fixed-Rate Loans (FRHL)
·        No prepayment charges will be applicable for part/full payments made from own sources i.e., sources other than a bank/NBFC/HFC or financial institutions
·        The customer should submit documents that Sarva Haryana Gramin Bank sees fit and proper to determine the source of funds.
·        Prepayment charges will be 2% plus taxes and statutory levies and charges of the outstanding amounts being so prepaid through any financial institution or any bank and will be applied to all full/ partial prepayments.
Fixed and Variable Rate Loans (Combination rate) Fixed and Variable Rate Loans (Combination rate)
·        During the Fixed Rate period:
·        The prepayment charges will be 2%, plus applicable taxes and statutory charges and levies of the outstanding amount being so prepaid through refinance from financial institutions or any banks, and will apply to all partial/full prepayments.
·        The customer must submit documents that Sarva Haryana Gramin bank approves to confirm the source of funds at the time of prepayment of the loan.
·        During the Variable Rate period:
·        No prepayment charges will be applicable on account of full/partial prepayments for loan sanctioned to individual borrowers.
·        For loans sanctioned to individual borrowers with the firm, company, etc. as co-applicants. Prepayment charges at 2% plus taxes and statutory charges, as may be applicable from time to time, of the amount being prepaid are payable.
The prepayment charges mentioned will apply to the date of execution of the loan agreement. However, the charges are subject to change from time to time depending on the prevailing policies of the Sarva Haryana Gramin bank plot loan. 

Conversion fees

Sarva Haryana Gramin bank plot loan charges conversion fees.

Name of the service/product Name of the charge/fee levied When payable Frequency
Switch to a lower rate in Variable Rate Loans (Housing/improvement/extension) Conversion fees On conversion On every spread change
Switching to Variable Rate Loan from Fixed Rate Loan (Housing/improvement/extension) Conversion fees On conversion Once
Switching from Trufixed Fixed Rate to Variable Rate Loan Conversion fees On conversion Once
Switch to Lower Rate (Non-Housing Loans) Conversion fees On conversion On every spread change
Switch to Lower Rate (Non-Housing Loans) Conversion fees On conversion On every spread change

Cheque dishonor charges

Rs.200 

Fees on account of external opinion

The outside assessment can be either from specialized valuers or advocates and the expenses can be paid straightforwardly to the concerned individual relying upon the sort of help delivered.

Property insurance: 

The client ought to consistently pay the excellent sums straightforwardly to the protection supplier to keep the approach dynamic during the credit residency.

Incidental charges: 

Accidental charges and costs are forced to cover the charges, costs, and different costs that may have been used to recuperate duty from a defaulting client.

Statutory/regulatory charges

The client will be exclusively answerable for all charges material on stamp obligation/MOD/MOE/Central Registry of Securitization Asset Reconstruction and Security Interest of India

List of documents 

Up to Rs.500

Photocopy of documents 

Up to Rs.500

Increase/decrease in the loan term

Up to Rs.500 plus applicable loan term

Disbursement cheque cancellation charge post disbursement

Up to Rs.200

PDC swap

Up to Rs.200

How to apply for Sarva Haryana Gramin Bank plot loan With Dialabank

  • For Sarva Haryana Gramin Plot Loan, you can apply with Dialabank with no issue.
  • You need to fill the structure with all the essential records.
  • For extra subtleties, the bank’s representative will call you if your application is kept up.

Additional tips to get Sarva Haryana Gramin Bank plot loan Easily

  • An impressive improvement in history would be a hint of space to breathe prior to applying for the credit.
  • An unfathomable money related assessment would help in the critical help of the credit.
  • Proper documentation is needed at the hour of guaranteeing.

Documents Required to Apply for Sarva Haryana Gramin Bank plot loan

Apply with –

  • Income Proof
  • Identity and Address Proof
  • Property details

FAQs

What is the Plot loan interest rate in Sarva Haryana Gramin Bank?

The Sarva Haryana Gramin bank plot loan starts at 8.95%

What is a Sarva Haryana Gramin Bank Plot Loan?

Sarva Haryana Gramin bank offers plot loans to both salaried and self-employed people if they have an Indian nationality, Sarva Haryana Gramin bank plot loan can be used for buying any plot in India.

How much processing fee applies to the Sarva Haryana Gramin Bank Plot loan?

0.50% of the loan amount is the charge for the processing.

What is the loan tenure of the Sarva Haryana Gramin Bank Plot loan?

 20 years is the loan time of the Sarva Haryana Gramin Bank.

How much EMI per Lakh can be fixed on Sarva Haryana Gramin Bank Plot Loan?

EMI per Lakh for the Sarva Haryana Gramin Bank plot loan is ₹ 649 for 30 years.

How can I avail plot loan from Sarva Haryana Gramin Bank?

As soon as you pass the eligibility criteria.

How to Apply for a Sarva Haryana Gramin Bank Plot loan?

Please visit the Sarva Haryana Gramin Bank’s website to read the application procedure or you can just call at 9878981166.

How to repay the Sarva Haryana Gramin Bank plot loan earlier than the schedule?

Visit the Sarva Haryana Gramin Bank’s website for knowing how to repay the loan before the schedule.

 Is it possible to repay my loan earlier than the schedule?

It is possible.

How to check Sarva Haryana Gramin Bank + Plot Loan eligibility?

Refer to the table mentioned above.

What is the Sarva Haryana Gramin Bank Plot loan phone number?

You have to call at 9878981166.

What is the Sarva Haryana Gramin Bank plot loan interest rate for women?

For women, the Sarva Haryana Gramin Bank plot loan rate of interest is 7.05% – 7.20%. 

What is the Sarva Haryana Gramin Bank plot loan interest rates for salaried individuals?

Sarva Haryana Gramin Bank plot loan interest rate for Salaried Individuals – 7.10% – 7.20%.

What is the Sarva Haryana Gramin Bank plot loan interest rates for self-employed individuals?

Sarva Haryana Gramin Bank plot loan interest rate for Self-Employed – 7.10% – 7.20%.

What is Sarva Haryana Gramin Bank plot loan interest rates for self-employed non-professionals?

Sarva Haryana Gramin Bank plot loan interest rate for Self-Employed Non-Professionals – 7.10% – 7.20%.

 How is a plot loan different from a home loan?

  • Tax cuts accessibility for Home advance proprietors however not for plot credit.
  • Ordinarily, the LTV in plot advances is less up to 70% and home advances are 90%.

 Can I take a plot loan along with a home loan?

One loan at a time is better.

 What is the maximum amount that I can take as a loan?

The maximum loan amount is determined after checking your land documents.

 Can a plot loan finance investment in any plot, anywhere?

Yes, you can invest in any other plot.

 What is a Balance Transfer on Plot Loan?

Balance Transfer helps in lowering the EMIs by transferring your remaining loan to other financial institutions to one that offers a lower interest rate.

 Do I get any tax benefits on a plot loan?

No tax benefits.

 How many years can I keep the plot of land before starting construction?

3 years is tenure.

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