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HOME LOANS

Constructions loans @ 9.50% p.a upto 70 Lakhs.
Easy Repayment Schedules upto 240 Months.
No Pre Payment charges.
Easy Repayment Schedules upto 240 Months.


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Mortagage Loans

Mortagage loans @ 13.00% p.a.
Easy Repayment Schedules upto 240 Months.
0.5% interest rebate for prompt repayment


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Fixed Deposits

2 years & above @ 7.25%.
1 year to less than 2 years @ 7.50%.
Deposits are covered under Insurance Scheme from Deposit Insurance and Credit Guarnatee Corporation

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Savings Accounts

Minimum balance of Rs. 1,000/-
4% Interest for saving account.
SMS Alearts
NEFT and RTGS arranged on demand.
Interest on Savings Account is credited at the end of every quatrer.

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Current Accounts

Minimum balance of Rs. 1,000/-
RTGS & NEFT Facilities.
Over Draft Facilities.
Current Account for Partnership Firms.
Current Account for Individuals.
Current Account for Trusts / Clubs / Associations.
Current Account for Companies.
Current Acccount for HUF.
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home loans

Housing Loan may be granted for the purpose of :
a. Acquisition of a house, new or old. 
b. Acquisition of a site or plot and construction of a house thereon. 
c. Construction of a house on a site or plot of land already acquired.
d. Extension or renovation of the house already acquired.
e. Acquisition of an old house and renovation / extension thereof or acquisition of an old house, its demolition and reconstruction.

Eligibility of Loans : The intending parties must possess / proposed to purchase the minimum extent of land fixed by the Bank from time to time. The land so possessed / proposed to purchase, should be in the name of the borrower and should have clear titles. The permanent employees of the Govt. /Semi Govt. Public limited Companies / Bank Employees may also be eligible for the loan provided they have atleast 7 to 10 years of service to reach superannuation.

Maximum Limit :  The maximum limit of Housing Loan is upto 70 Lakhs depends upon the income level & remaining period of service in case of salaried employees.

Margin : Loans will be granted upto 70% of the valuation of property including the cost of investments to be made in the land.

Repayment Period : Repayment of Loan will be by way of monthly instalment & interest and extended over a maximum of 15 years. The repayment of the loan will commence after the next month of completion of construction of house / purchase of house or 18 months of the disbursement of instalment of the loan whichever is earlier.

Co-obligants (Sureties) : There shall be atleast one co-obligant as decided by the Bank from time to time.

Security :  The housing loan shall be secured by Mortgage of un-encumbered immovable property belonging to the applicant situated within the jurisdiction of the bank.

Rate of Interest :  The Rate of Interest chargable at present is. which may vary subject to the loan policy of the bank from time to time. Intrest on loans shall be calculated on daily produc 9.50% per annum basis and charged monthy rests.

Penal Interest : Penal Intrest shall be charged at 2% pa above the normal intrest rate on overdue loans.

Share Linking : The Borrower shall hold shares of the bank to the extent of 1% of loan amount sanctioned.

Processing fee : 0.5% of loans amount will be charged as processing fee.
 

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Corporate Office:
Chartered Sahakari Bank Niyamitha
No. 1, 1st Main, 1st Block Koramangala,
Bangalore - 560 034.


Phone : +91 080 2552 6266.
Fax : +91 080 2552 6299
E-mail : customercare@csbank.in


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