Loan Products

Home loans are loans granted to clients – physical persons, usually against a mortgage but they can be guaranteed with other types of collateral as these loans are designed for funding home building or house improvement and renovation. When granting home loans banks keep a close watch if the loans are used in accordance with their purpose. Home loans are mainly regulated by the Law on Credit Agreements for Consumers relating to Residential Immovable Property.
The maximum period of repayment of a loan shall be up to 30 years for the Telescopic Repayment option under the Adjustable Rate Home Loan. For all other Home Loan products, the maximum repayment period shall be up to 20 years.

The foremost priority of any entrepreneur is to see his/her business grow, expand and flourish. To fulfill this desire, business owners opt for business loans and meet their financial requirements. However, getting instant funds is not always possible, as banks and Financial Services Companies take their time in deciding whether to sanction loan or not. Business loans are majorly availed for purposes like business expansion, purchase of machinery or plant, investment in infrastructure, hiring staff, maintain inventory, etc. Further we have discussed all the relevant aspects of business loan for in-depth understanding.
A business loan is a loan specifically intended for business purposes.

Financial emergencies have become part and parcel of modern lives. Expenses like higher education, marriage, starting a new business, medical treatment, etc. require you to spend a lot of money upfront. If you do not have such amount of money in your account, there is a possibility that you might panic. In such a situation property, a piece of land or a completely built home can be a great asset for you.
Most banks and financial companies provide Loan Against Property that can help you meet your upcoming expenses. The best thing about this loan is that the financial institution doesn’t have to know what the end purpose is, and you can continue using the property against which you have availed the loan.

As a professional, you’ve spent years to acquire specialised skills. From various personal financial goals to professional commitments- you have to manage all in a limited time.
As a professional, your financial needs are unique. Bajaj Finserv believes that your loans should be no different. That’s why we offer special loans to professionals like you. By factoring in your professional degree and experience, professional loans come with simple eligibility criteria and minimum documentation requirements so that you get access to funds faster than regular term loans. Doctors, chartered accountants and engineers can now get a customised loan for professionals with a high amount and at affordable interest rates.

Credit cards are a convenient alternative to cash for making transactions both online and offline. There are two big advantages with credit cards. First, you can continue to make purchases through them, even if you do not have adequate funds in your bank account. Provided you keep paying your bills in full and by the due date, your transactions come at zero extra cost. The second advantage comes in the form of rewards, cashbacks, discounts and other benefits. Before you apply for a credit card, you must compare the best credit cards online here at Paisabazaar.com. You should choose a card that matches your spending habits and preferences. Read on to know more about credit cards from top banks in India along with their annual fee, features, benefits and latest offers.