J&K Bank Home Loans

J&K Bank Home Loan

8.90% - 9.25%


Processing Fee

Loan Amount
₹ -


For what specific purposes can I use my home loan funds?

Below mentioned are all the purposes you can use your home loan funds for –


How J&K Bank will decide my eligibility for the home loan?

While approving your home loan application, the bank will take into consideration certain elements – income and repaying capacity, age, assets and liabilities, cost of the proposed house/flat to decide if you’re eligible for the proposed amount.


What can I do to enhance loan eligibility to avail a larger amount exceeding my credibility?

To enhance loan eligibility following options may be added –


What is the maximum amount I can avail for home loan?


What is the applicable interest rate slab for home loan?

An interest rate of 8.90% will be applicable for the loans up to Rs. 1 Crore. An interest rate of 9.10% for the loans above Rs. 1 Crore to Rs. 3 Crores, and 9.25% for the loans above Rs. 3 Crores.


Is there any concession for female applicants?

Yes, a 50% waiver in the processing charges will be provided to the women borrowers (both for sole/joint borrower).


What are the charges applicable on Home loan balance transfer?

In case of balance transfer from other banks/FIs to J&K Bank,there will be no processing charges levied.


Do I need to provide any security or collateral for Home Loan?

Yes, you have to provide a security in order to be eligible for the home loan. Below mentioned are the requirements for primary security –


As far as the collateral security is concerned, no collateral security or third party guarantee is required in all cases except in case of the following –