Sambhav Home Loans for Small Shop Owners

Overview

Running a shop often means managing seasonal sales, fluctuating cash flows, and varied sources of income. These factors shouldn't stand in the way of owning a home. Sambhav Home Loans are designed to support self-employed shop owners by recognising diverse income patterns and making home financing more accessible with simplified eligibility norms and a convenient application process.

Features and Benefits of Sambhav Home Loans

Loan Amounts to Suit Your Requirements

Eligible applicants can avail of loan amounts starting from Rs.4 Lakh*.

Repay at Your Convenience

A long repayment tenure of up to 25 years allows you to repay your loan comfortably.

Easy Eligibility and Documentation

Sambhav Home Loan is designed for individuals with varied income profiles. Even if you do not have income proof or have irregular ITR filings, you may apply by submitting the applicable documents.

Financing for Different Housing Requirements

Funds availed of through Sambhav Home Loan can be used to finance the purchase of a residential property, whether it is ready to move in or under construction.

Eligibility Criteria to Apply for Sambhav Home Loan

Self-employed applicants, such as small shop owners, who meet the following eligibility criteria can apply for Sambhav Home Loan:

Applicants should be Indian citizens residing in India
Applicants should be aged between 23 and 70 years**

**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit is subject to change, depending on the property profile.

Documents Required to Apply for Sambhav Home Loan

Applicants without income proof or regular ITR records can submit the following documents as part of their application***:

Category	Documents
Identity	PAN Card or Form 97 (if PAN is unavailable)
KYC	Recent passport-sized photograph, Voter ID Card, proof of possession of Aadhaar, and a valid Driving Licence
Property	Title deed, allotment letter, and property tax receipts
Business	Business vintage proof

***Additional documents may be requested during loan processing.

Steps to Apply for Sambhav Home Loan

To apply for Sambhav Home Loan online:

Visit our online Home Loan application form.
Enter your name, mobile number, and employment details.
Select the required loan type and enter your monthly income.
Enter your residential PIN code and preferred loan amount.
Click ‘Generate OTP’ and enter it.
Enter details related to your property. You will also need to enter your financial details based on your employment type.
Submit the application form.

After submission, a Bajaj Housing Finance representative will contact you within 24 hours* to explain the next steps.

If you prefer an offline application, you can also visit your nearest Bajaj Housing Finance branch.

*Terms and conditions apply