Why every new home loan borrower should choose an online home loan

Why every new home loan borrower should choose an online home loan?

For the best borrowing options when purchasing a new house, an online home loan is often the most cost-effective and hassle-free option for borrowers.

When it comes to seeking financing to buy a new home, there are so many options available to you in this day and age. Whilst having multiple options available is never a bad thing, it can also be very daunting, especially when it comes to borrowing large sums of money to buy a house, which is often one of the most important purchases of our lives.

The two most important things to consider when looking for the right home loan provider is price and information. You want to make sure you have as much information as possible so you can make the right decision of what type of loan to go for and with whom, and similarly you want to get the best rate possible.

A good avenue for applications that addresses both of these is looking and applying online. There is a vast amount of information easily available online. Be it about eligibility to what kind of home loans lenders offer, be it charges or fees or information about terms and conditions, going online is your best avenue. Online home loan applications also bring you the best and lowest interest rates—which is often the most important thing home loan borrowers are looking for.

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Listed below are some of the key advantages of applying for a home loan online as opposed to offline channels:

  • Online pricing

More often than not, the best rates in the market for home loans can be found online, with lenders reserving their best rates for online channels. Put simply, online is most likely your best bet to get the best deal on your home loan.

  • Application processing

Finalising on the deal to purchase a new home can often be very time-sensitive for all parties involved and part and parcel of that is the processing speed of your application, which then dictates how fast you get your money. Applying online is known to offer the quickest processing speeds. This means your funds will be with you that much quicker, as compared to applying via offline channels.

  • Minimal hassle

Perhaps the biggest advantage of applying online is the drastically reduced hassle given you don’t have to deal with multiple agents, have endless conversations, book appointments for physical visits, etc. Online applications are the most straightforward application avenue as you aren’t required to deal with any unnecessary parties or paperwork.

  • Added tools and benefits

Many leading lenders offer various additional digital tools to help you with your home loan application and ensure you have as much information as you need to make a decision. These can include a home loan EMI calculator, which tells you how much you would need to pay back every month and helps you plan your finances. What’s more, most lenders offer an online eligibility checker, so you can conduct a soft search of your chances of being approved for financing. The best part is this won’t impact your credit score at all, but instead just give you an indication of how much you could stand to borrow.

  • Information centre

An added benefit of using online channels to apply for a home loan is the information available, laid out in a reader-friendly, easy to digest fashion. Applying for a home loan involves you to take in a great deal of information given how much goes into borrowing a vast sum for purchase of property. The advantage of going through online channels is all of this is clearly laid out including eligibility criteria, documentation, FAQs, fees and more. This is a far more effective and straightforward alternative to having to sift through piles and piles of paperwork.

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Among the various channels through which you can apply for a home loan, applying online certainly has a whole range of benefits as the most efficient option. To find out more about Bajaj Finserv’s competitive range of home loans with easy online applications, visit the website.

Home Loan EPF

Your EPF account holds the key to your dream house

It takes years of hard work to build a house. Thus, owning a house is a dream for many. However, the government’s notification regarding the Employees Provident Fund (EPF) can help turn this dream into reality.

An EPF is a retirement fund that you build from your salary. Every month you and your employer put a portion of your salary into the fund. This money then grows in the future, in time for retirement.

Now, you can use these savings for buying your dream house.

Earlier, you could not withdraw from your EPF account before turning 58. Withdrawals up to 90% were permitted only after attaining the age of 57. With the new government rules, you can withdraw up to 90% of your EPF for financing your new house. Such amount can be used to buy or construct a house. You can also use your EPF savings to pay the Equal Monthly Instalments (EMIs) of your home loan.

Let’s understand what these rules mean for home-buyers:

The government notification:

The government proposed amendments to the EPF Scheme earlier. But, no targets were set as no official notification was passed. The scheme has now been amended. This could benefit 4 crore Employee Provident Fund Organisation (EPFO) members.

Now, you can withdraw up to 90% of your EPF to make down payments for buying houses. You can also pay your home loan EMIs using the EPF money. To be able to make such withdrawals, you must fulfil the following conditions:

  • You are a member of a cooperative or a housing society. And, such a society has at least 10 EPFO members.
  • You have contributed to EPFO for at least 3 years.
  • You have at least Rs.20,000 in your EPF account (alone or together with your spouse).
  • You can withdraw only once during your lifetime.
  • The EMI payments are directly made to the government, housing agency or the primary lending agency.
  • If you spend less than what you withdraw, you must refund the money. This must be done within 30 days of the finalisation of the construction or purchase.

Use your EPF corpus wisely

To give a boost to the ‘Housing for All’ Scheme, the government made buying house easier. However, think carefully before using this flexible option.

Your EPF is your retirement pillow. Ensure it serves its primary purpose before being of any secondary use. Base your withdrawal decisions on your fund’s balance. Also take your working age into consideration. If you have enough money in your account as well as the capability to refill it, consider withdrawing money.

EPF + Home loans = The best way forward

Home loans are blessings for people who cannot afford a house with their savings. The attractive interest rates offered by different banks and non-banking financial companies (NBFCs) make them all the more desirable.

Many lenders, especially NBFCs, even have flexible repayment options. Thus, home loans take you a step closer to your dream abode. However, even with attractive rates, your interest costs can run into lakhs. This is where the new provision becomes extremely helpful. You can reduce your interest cost by partly funding your house with your EPF money.

How much of EPF to use?

It would be wise to assess your borrowing needs before withdrawing. If you have sufficient funds in your account, you can take the entire amount from such an account.

Ideally, if your house costs around 20% of your fund, you can avoid taking a loan. You, thus, avoid an additional interest cost. If, however, the cost eats up 70-80% of your fund, it is wise to go for a mix of EPF and home loan.

Keep in mind the reduced interest rates on EPF. It now entitles you to an interest of 8.65% for 2016-2017.

By saving all or most of your EPF, you, thus, can ensure a financially-secured retired life.

The bottom line

The government gave you an additional source of funds for buying a house. However, make a cost-benefit analysis before utilising the withdrawal option. Think of reducing the cost of buying your house without affecting the financial stability of your retired life. It may, thus, be advisable to go for a mix of EPF and home loans while buying a new house.

To ease your home-buying process, Bajaj Finserv offers different types of flexible home loans at attractive rates.

Apply for Home Loan Online Check your Home Loan Eligibilty

Mutual Fund Investment: A Step by Step Guide

Are you thinking of adding mutual funds to your investment plan this year? Then your decision is the right one. No investment plan is complete without mutual funds. Mutual funds have grown from strength to strength as an asset class. They are clear winners for investors. In fact, they fit every individual’s financial need. Suppose you have chosen to invest in mutual funds online. Now follow these steps to choose the right funds for your needs.

The Beginning:

Mutual fund investments are rewarding. But they come with various degrees of risk. So, start by asking yourself two basic questions:

Why am I Investing?

The answer to this will define your investment goal.

For example, are you planning to renovate your house next year? Then you should look for debt funds. These are safer in the short term. They come with assured returns. Suppose you want to invest in your child’s education 10 years from now. Then you should look for a balanced fund. This should give high returns while protecting your investments from market volatility.

How Much Risk am I Ready to Take?

Only you can answer this question. The answer depends on your present financial position. Mutual funds come with variable investment returns. It is important to remember this. Your risk tolerance will define how much risk you are able to take.

For example, do you have quite a bit of savings in your bank account? This could help you deal with an emergency right now. Then you should look for equity-linked mutual fund schemes. They offer much higher returns. That is because they stay invested for three years on an average.

How to buy mutual funds: Narrow Down Your Search:

Have you answered these two questions? Then you have already narrowed down your search to a large extent. Now you know what kind of funds you are looking for. You need to do some homework. This is how you can be smart about buying mutual funds.

Using online resources:
There are dedicated online mutual fund trackers, like valueresearchonline.com. These give you an idea of the funds that have been doing well in the market. You can look for the top fund rankings by reputed agencies like Morningstar and CRISIL. These are available online as well.

Choose funds with good ratings:
Rating agencies like CRISIL give various grades to mutual funds. The grades depend on performance and potential. Look for funds with higher grades.

Reputation of fund managers:
You want your hard-earned money to be in safe hands. The reputation of a fund house is important as well. This is built over time. So, it is wise to choose fund managers with a good reputation in the market.

Performance of the fund:
This could be the most important criteria. Has the fund managed to overcome the volatility of stock markets in the past five years? Did it fall flat after oil prices in the international markets came crashing down? Suppose the fund has performed well under these circumstances. Then go for it. Track its performance over the past three and five three years. This is a good way to choose a fund.
Choose no-loads funds:
Some funds come with hidden charges. These hidden charges are in the form of entry and exit loads. The charges may not seem like much. But they can go up to as much as 18% of your total investment. Be careful of such funds. Choose funds that come without any ‘loads’.
Track monthly disclosures:
SEBI is a market regulator. SEBI has asked all mutual funds to disclose their portfolio of investments every month. This is compulsory. You can find the disclosure on the fund’s website. Make sure that the fund has wide investments in various stocks. Well-diversified funds have performed better in the long run. They have also run lower risks.

Buy mutual funds online:
Wondering how to invest in mutual funds online? Have you decided which fund you want to invest in? Then log on to the fund’s website. Identify yourself through an e-KYC (Know your Customer) based on your PAN card. Now select your fund. The website will create your portfolio in a few minutes.

Summary:

In the past few years, mutual funds have emerged as a delight for investors. Their popularity is rising. This has led to a surplus of mutual funds. Now, there are about 11,000 funds in the market. This number is double that of stocks listed on the Bombay Stock Exchange. Not all funds are doing well, though. So, investors need to be choosy. Do your research. Then it will be easy to pick a winner.

Invest in FD @8.05% High Interest Rate

Should You Apply for A Personal Loan Online or Offline

Should You Apply for A Personal Loan Online or Offline?

For quick access to finances, an online Personal Loan often proves to be a more convenient and hassle-free option for borrowers.

In this digital age, there are so many avenues available in terms of loans and other financial products.  Having so many mediums for application is great for convenience and flexibility, but it can also be overwhelming and disorientating in terms of knowing which method is most suitable to you.

When it comes to applying for Personal Loans, there are a number of key factors to consider when deciding which avenue would be most suited to your specific circumstances. Listed below are some of the aspects to keep in mind when deciding whether to apply for a Personal Loan through online or offline channels.

6 Features of online Personal Loans You Should Know About

6 Features of online Personal Loans You Should Know About

  • Processing and Disbursal Speeds

For many borrowers, a key factor in deciding how to apply is time. You can consider how long it would take for your personal application to be approved and for the borrowed sum to be credited into your account. Many lenders offer faster processing speeds online meaning your funds would be with you sooner as compared to applying offline.

  • Online Offers

Many lenders offer a range of online-only offers such as lower interest rates or longer EMI holidays, meaning you can stand to save money by applying for a loan online. These are often deals that won’t available in the branch or offline, and so it is in your interest to apply through the channel that offers you more benefits.

  • Less Hassle

One of the most prominent advantages of going down the online route is the significantly reduced hassle by nature of not having to physically go into a lender’s branch, book appointments, have multiple conversations with various agents, etc. Applying online is undoubtedly the most hassle-free, efficient option; however, it may not be suitable for those looking to have more reassurance and support during the application process. Though all information is now easily found on websites of various lenders, some borrowers may feel more comfortable with a physical agent present to guide them through the application process.

  • Online Tools

Apart from the ability to make loan applications faster and easier, many lenders offer various digital tools to help you with the stresses of applying for a loan. These include features such as the Personal Loan eligibility checker, which requires your basic financial information and can give you a strong indication of what kind of loan amount and rate you may be eligible for based on your financial circumstances and city of residence. The Personal Loan EMI Calculator is also a handy tool that breaks down your EMIs or monthly installments based on your loan amount, interest and tenure to make it easier for you to know what your monthly Personal Loan repayment will be and thus plan your finances better.

  • Organized Information

An added advantage of looking for a loan online is most leading lenders have well-organized websites that clearly lay out all the information regarding Personal Loans, including features, eligibility requirements, documents needed, fees and charges, testimonials from other borrowers, FAQs and other tools to help you make an informed decision. This makes it far easier for you to compare and contrast the various options to determine which Personal Loan would be most suitable to your requirements.

While both options—online and offline—offer their own set of benefits, applying for a Personal Loan online is widely considered to be the most efficient and stress-free option. Bajaj Finserv is renowned for offering Personal Loans in 29 cities across India including Mumbai, Hyderabad, Chennai, Bangalore and Delhi. With instant application approval, quick disbursal of funds in 72 hours or less and easy eligibility criteria, Bajaj Finserv offers Personal Loans for up to Rs.25 lakh. To find out more about Bajaj Finserv’s online Personal Loans please click here.

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Apply Online for A Personal Loan from Bajaj Finserv

Bajaj Finserv offers competitive Personal Loans up to Rs.25 lakhs with an easy online application. Apply for Personal Loan

Your easy guide to choosing the perfect property to invest in

Your easy guide to choosing the perfect property to invest in

When it comes to shopping for an investment property, there is a lot of work to be done. This task may be daunting especially for the first-time investor. We tell you how to go about buying the right property for investment.

For most people, investing in a house is the biggest financial decision that they make in their entire lifetimes. It isn’t like buying consumer durables or even a low-cost index fund. You cannot just simply visit a store to buy or choose online from the options available for you. To find the right property for investment, you require a great amount of dedication, patience, as well as luck.

Our easy guide will help you in finding the perfect property for investment:

  1. Research the location of the property:

Before investing in a house, make sure that the location of the house is right. This is probably the most important factor that you need to consider. After all, even if you are dissatisfied with the amenities of the house, you can always renovate and change according to your preferences. However, you can never renovate the location of the house. Choose an area that is well developed (or has high chances of being developed in the coming years), has a quiet neighbourhood with no crimes in the locality.

Also study the past market rate trends of the area you are looking to buy an investment property in. This will help you understand the demand for real estate in the area. If the area has not seen any rise in real estate prices in the last few years then, it may be possible that there is no demand for property in the area.

  1. Consider new vs. existing:

One another common question that people are confused about is that whether they should buy a property for investment that is a new construction or an existing one. Both options have their pros and cons and ultimately, it is your personal choice. When you opt for a new house, you can get the newest amenities and a clear title, in addition to the option to customize it as per your preferences. However, there is always a fear of delay in terms of the possession of the house handed over by the builder. In contrast, with an existing property for investment, you have an option to move in or rent it out immediately. Make sure you verify the title and condition of the house before sealing the deal.

  1. Avoid ‘bargain’ homes:

If you are finding a house at an exceptionally discounted price against the prevailing market rates, be cautious when buying such property for investment. There can be several reasons for the property being sold for cheap: There may be an inherent problem with the property, it may be under dispute, or the owner must be in urgent need of money. Make sure you find out the true reason before you even consider buying the property.

  1. Go for a reliable developer:

Before you decide to buy a property for investment, make sure you thoroughly research the developer’s profile. Start by checking the projects already delivered by the builder and on-going projects. Look up whether there were any delays in delivering the past projects. Also find out whether the builder has been embroiled in any project-related legal issues in the past. Finding out as much information as you can is great when you want to be sure about the reliability of the builder.

  1. Review your cash flows and profits:

Before buying a house for investment purpose, you should review the cash flows. If you are looking to rent out the property, check the existing rental rates in the area. Analyse how soon you will be able to convert the cash flow into profits. If you are considering selling the house for a tidy profit in the future, keep checking the potential selling prices so that you can enjoy some good gains.

Applying for a loan to buy the perfect property for investment. Try Bajaj Finserv Home Loans. Bajaj Finserv offers tailor-made loan at low home loan rates with many benefits, like, easy home loan balance transfers, part prepayment facility, online account access and 3-EMI holidays.

Click here to apply for home loan online:

GST Bill Impact Real Estate

How will the GST Bill Impact Real Estate and your Home Loan?

We take a look at how GST bill affects the real estate sector and property prices as well as Home Loan takers.

How does the Goods and Services Tax (GST) bill, once implemented, impact taxes in the real estate sector? That is a question that has received varied views by experts in the industry. We tell you all there is to know on how the GST bill is expected to benefit the real estate sector:

What is the GST Bill?

The GST bill aims to simplify the complex tax system in India by moving toward a more uniform system. This uniform indirect tax is expected to be around 18%, which may actually be an increase in tax for many, but a more uniform system will still be of benefit overall, even to those paying a higher rate. However, with the new system and rate to be announced imminently, there is a great deal of confusion around just how the bill will affect home buyers and borrowers.

How will GST Bill Impact Real Estate?

For those looking to purchase ready-to-move resale properties, the GST bill is unlikely to have much of an impact at all. However, in the case of under construction properties, which are subject to various indirect taxes, it would have a heavy bearing. Due to the overly complex current tax system in India, the calculations that take place when you apply for a Home Loan can be nothing short of startling. Currently, taxes levied on an under-construction property include service tax, VAT, in addition to additional taxes during procurement and stamp duty. The new GST bill will offer a far simpler, more straightforward system of taxation in real estate.

What’s more, even property developers have traditionally been subject to a complex system and levied a long list of taxes. However, with the advent of GST, if the new uniform tax is set at a favourable rate, it could bring down the cost of construction and in turn, reduce property prices. This would mean that you wouldn’t have to borrow as much money to buy a home. This could allow more people to get on to the property ladder as first time buyers, considering that the demand for housing in India is perennially high.

However, this would take time to fall in place since the current under-construction properties would have most likely already paid VAT and service tax, and therefore, would probably not witness any cost reduction. Properties which are just due to start construction are the ones who will see the benefit of the GST bill.

Long-Term Benefits

Conversely, if the rate is set at a relatively higher level, there is a chance property prices would actually increase, at least in the short term. But in the long term, it is still a move that will most likely benefit the entire industry. Aside from issues of whether real estate prices will increase or decrease, the big perceived win from the bill is a much-needed dose of transparency and simplification of an over-complex tax system.

The current tax system in India often has people being subject to double taxation since they do understand the various taxes they need to pay. In contrast, the new uniform system would avoid this scenario both on part of developers and home buyers.

The Bottom Line

The specifics of the impact of the GST bill in the short term are still unclear as every new change of this scale comes with issues of transition to the new system. However, it is certainly a welcome change for those in real estate and other sectors alike. At the end of the day, the net effect of the GST bill will depend a great deal on the final rate it is set at. But regardless of this, this more uniform, streamlined tax system will be to everyone’s benefit.

Irrespective of whether the GST bill reduces the cost of real estate in India, you can still buy your dream home with ease through Bajaj Finserv Home Loans. Avail financial benefits such as low interest rates, zero foreclosure charges and part prepayment facility.

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Reducing Interest Rate of Your Home Loan

How Offset Loans Help in Reducing Interest Rate of Your Home Loan

We share the advantages of offset loans, and why they are great for helping you pay off your Home Loan faster. Read on!

Is paying the EMI on your Home Loan weighing down on your shoulders, and limiting your monthly budget? While opting for a longer loan tenure can make your Home Loan EMI more affordable for you, you will end up paying more interest to the lender. Offset loans are a great option if you are looking to reduce the interest rate and repayment amount of your Home Loan.

Here is all you need to know about offset loans:

What is an Offset Loan?

An offset loan is one where the borrower is made to maintain a savings account with the bank or lender which is linked to their loan account. Instead of receiving interest on the savings account, the monthly interest payment on the loan is calculated on the net amount of the loan balance less the savings account balance, and not the entire loan amount. At the end of each month, the interest payment to be made is calculated on the loan principal minus whatever balance is left in the linked savings account. This reduces your interest payments.

The Benefits

Essentially, instead of earning interest on savings, you are reducing the interest paid on your Home Loan. However, how do you make an accurate assessment on the overall impact? By comparing how much savings interest you could stand to earn as against how much interest payment you are reducing. This helps you understand the net impact on how much money you could save. For example, you took out an offset loan of Rs.10 lakh at an interest rate of 10% and deposit Rs.70,000 in the first month. The monthly interest to be paid would not be calculated on the full Rs.10 Lakhs, but instead on Rs.9,30,000 (the principal less your deposits).

Offers Flexibility

By maintaining a savings account with your lender (despite earning no interest) and making deposits, you are able to reduce interest rate payments and save money. What’s more, you aren’t required to make a fixed level of regular deposits into the linked savings account, thus, it is your decision on how to manage your funds. Whether you want to use surplus funds for reducing your interest payments or funding other financial needs, the flexibility is entirely yours. However, making regular deposits is for your own benefit since you can minimise the loan interest.

The Cost

Since offset loans incur higher treasury costs, they are typically priced around 0.25% above normal Home Loans. However, foreign banks and major lenders have been known to offer more competitive pricing on par with regular Home Loans. But whilst they allow you to potentially pay off your loan sooner through reduced interest rate payments, they may also charge a higher rate of interest. So, again, it is important to compare both of these factors to assess the overall impact on the cost of your Home Loan.

If you keep making regular deposits, whilst your monthly payments are unlikely to reduce, it will devote a greater amount of your payments towards paying off the principal. This means you should be able to pay off your Home Loan sooner.

Offset loans could be a valuable option to save money on your interest payments, particularly if you have surplus funds which you can contribute towards reducing interest payments. Bajaj Finserv offers a range of Home Loan options with low Home Loan rates.

Apply for Home Loan Online Check your Home Loan Eligibilty

Investing in Property for Great Returns

Do’s and Don’ts of Investing in Property for Great Returns

What are the main things to keep in mind when looking to invest in property? Whether its taxes, value or using your customised checklist for selection and finances, here’s everything you need to know.

Investing in property has and will continue to a popular practice in India—with most of us nurturing the dream of being homeowners since childhood. But buying a house can be daunting to those new to the landscape of real estate. Aside from the basics such as deciding your budget, there are a number of areas potential investors often overlook when examining options for property investment. Here are two major areas that need your attention as well as the details that deserve care.

Find the Right Property

Undoubtedly, the most important aspect of investment is finding the right property. This is in itself is a relatively ambiguous goal as the ‘right property’ entirely depends on what you looking for in terms of budget, financing and purpose. Are you looking for a home for yourself and your family or a property to let out and earn rental income or perhaps one for capital appreciation that you can eventually resell?

Depending on your ultimate aim, here are some key factors to consider when deciding which property to go for:

  • Potential Returns: Looking at the resale value or rental value of the houses in the specific area or locality that you are choosing your own home will help you assess the returns you stand to make from your purchase. Additionally, you could find out how much other properties in the areas have appreciated to understand the future rise in value.
  • Do your ‘Homework’ – Look at softer aspects such as the neighbourhood, crime, school and areas for recreations, green areas or parks, footpaths, distance from the nearest medical help, etc. when you consider a property. This will impact not only your comfort and peace of mind, but also impact the value of your property.
  • Upcoming Changes to the Area: Factors such as train or metro stations due to be constructed in the local area or even a highway under construction, could all suggest potential increases in value of the area in the future. So make sure you study projected infrastructural development in the area of your potential new home.
  • Property Taxes: The rate of capital gains will have a bearing on when would be a better time to invest in property and sell one, so make sure you keep this in mind too.
  • Managing the Property: Most established builders offer services to manage the property on your behalf after purchase whereas other independent sellers (which are often cheaper) offer no such services meaning you have to dedicated resources to overseeing and managing the property. This should be also one of the things you consider.

Furthermore, one of the biggest and most common regret of property investors is wishing they got into business with the right kind of people. The number of property owners who forge relationships with tenants or sellers who they later find out to be troublesome in one way or another are many, and this is an essential consideration in any property deal.

Find the Right Financing

There are various housing finance and borrowing options for those looking to invest in property, depending on different needs and requirements. So choose a flexible option depending what is most suitable to your personal circumstances. The most common loan types are:

  • Home Loan: A standardised Home Loan which offers plenty of tax benefits and exemptions
  • Offset Loan: Ideal for those looking to save money on their interest payments, this loan type requires the borrower to open a savings account with the lender. By doing this, the borrower doesn’t pay interest on the entire principal but rather on the principal minus any deposits made into the savings account
  • Land Purchase Loan: Aimed specifically for a borrower looking to purchase of a plot of land, these loans tend to require a higher deposit and higher EMIs, but may be customised to suit the borrower

Apart from these, you may look for a top up loan to finance your home furniture and décor or even a joint Home Loan to get a higher loan amount sanctioned for your home purchase.

The key consideration when looking to invest in property depend on what the purpose of the investment is and what you’re looking to gain from it. Aside from this what is universally advisable is to opt for a financing option, which offers you the most competitive Home Loan interest rate as well as no hidden costs such as those offered by Bajaj Finserv.

Apply for Home Loan Online Check your Home Loan Eligibilty

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