• ho@bnsb.co.in
  • 07453-230343

Housing Loan

Rate of interest

  • 08.50% p.a. up to Rs.25 lakh (Residential Building) For 5 Years,10 Years,15 Years and 20 Years.
  • 09.00% p.a. 25.00 lakh to 1.40 crore (Residential Building) For 5 Years,10 Years,15 Years and 20 Years.

CRE(Corporate real estate)

  • 09.75% p.a. upto 1.50 crore (Commercial Building) For 5 Years,10 Years,15 Years and 20 Years.


  • Duly filled prescribed application form Photo Identity & Residence Proof of the Applicant & Guarantor Allotment Letter /Estimate of Construction-Repairs-Renovation as the case may be.
  • Income proof a) or b) from below as applicable Salaried person: salary slips for last 6 months, ITR/Form 16 for last 3 years. Bank Statement for last 6 months Businessman/Professional/self employed: last three years profit & loss account and balance sheet, & ITR and Bank statement for last 6 months.
  • Legal Documents for creating mortgage as per requirement

Maximum Amount

Rs.50.00 lakhs (Residential Building)

Rs.70.00 lakhs (Commercial Building)

Wide Circular no

कं.फा(46) बानासबैंक/सरकुर्लर/2020-21/दिनांक 16.07.2021

Maximum Repayment Period

240 months


25% on agreement value/25% on estimated value


Professionals, businessman, salaried employees and self employed

Processing Fees

As per policy of the Bank from time to time. At present NIL.


To purchase ownership flat/constructed to house/repairing house Construction/purchase (direct or in re-sale) of house/flat/ and/or repairs-renovations/extensions of own residence.

Shareholding/Membership Contribution

2.50% of loan amount.


Two guarantors as acceptable to the Bank. (With good net worth)