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Bajaj Finserv
Home Loan

Apply for Bajaj Finserv Home Loans up to Rs 5 crore at 7.70% p.a. onwards
for home purchase, construction or renovation needs. You can avail
customised housing finance for up to 90% of property value for extended
tenure of 30 years. By applying online you get instant in principal approval.
Other benefits are lowest EMI of Rs 713, flexible repayment and attractive
 Bajaj Finserv home loan interest rates & processing fee

Bajaj Finserv Home Loan Details

Here are the highlights of Bajaj Finserv Home Loan:

Loan amountUp to 85% of the property cost
Rate of interest7.70% onwards
TenureUp to 30 years
Lowest EMI possibleRs. 713 Per Lakh
Processing feeUp to 1% of the loan amount + GST and other applicable statutory levies

You can also Apply for 20 Lakh Home Loan

Bajaj Finserv Home Loan Features
  • Following are the features of Bajaj Finserv Home Loan:

    • Loan amount: Up to 90% of the property for both salaried as well as self employed borrowers.
    • Bajaj Finserv Home Loan Interest Rates start from 7.70% per annum
    • Repayment tenure: 3 to 30 years
    • Bajaj Finserv Home Loan Processing Fees is up to 1% of the loan amount.
    • Lowest EMI possible: Rs. 713 Per Lakh
    • Diversified portfolio. Borrow for purchasing a ready to move house/flat, property under construction, buy second-hand houses or apartments or to fund construction of a residential plot.
    • Loans available for repairs, renovations, improvement, and extension of existing homes.

    Additional Info: Check Banglarbhumi West Bengal Land Record located in West Bengal. 

Bajaj Finserv Home Loan Benefits
  • A wide range of home loans starting from 30 Lakhs to 3.50 Crores.
  • Extremely competitive rates of interest; both fixed and floating EMI options.
  • Extended home loan tenure up to 30 years, depending on age and eligibility.
  • Low processing fees & minimal paperwork.
  • No charges on prepayment/part payment or foreclosure of the home loan.
  • Repayment flexibility
  • The NBFC also allows you to transfer your existing home loan from other banks to them.
  • You can expect attractive rates of interest on home loans with reasonable processing fees.
  • You also get flexible repayment options. There is no penalty for pre-payment and foreclosure.
  • Option to add co-applicant for extended loan amount.
  • Bajaj Finserv is also an active player in the Pradhan Mantri Awaas Yojana.
  • Highly customised insurance plans are available too.
  • Loan repayment will entitle income tax benefits.
  • Bajaj Finserv Home Loan Interest Rates
    • Bajaj Finserv offers home loan at attractive interest rates, starting from as low as 7.70% p.a. The attractive rate of interest makes your EMIs affordable and allows you to repay your loan conveniently.

      Following are the current Bajaj Finserv Home Loan Interest Rates:

      Type of LoanHome Loan
      Type of Interest RateFloating
      Interest Rate for Salaried Applicants7.70% to 14% p.a.
      Interest Rate for Self-employed Applicants7.95% to 14% p.a.
      Home Loan Top-up Interest Rate8.65% to 15% p.a. for salaried and 8.85% to 15% for self-employed.
    Bajaj Finserv Home Loan Eligibility Criteria

    Below are the points for Bajaj Finserv Home Loan Eligibility:

    • Salaried individuals between 23 and 62 years of age are eligible for Bajaj Finance Home Loan. In case of self-employed individuals, the eligible age group is 25 to 70 years.
    • The maximum age limit for Flexi Home Loans is 50 years.
    • Salaried employees should have work experience of a minimum of 3 years whereas self-employed persons should be in business/profession for a minimum of 5 years.
    • The minimum amount of loan for salaried employees is 10 Lakhs and maximum is 3.50 Crores. Self-employed professionals can borrow up to  5 Crores
    • Minimum salary should be 25,000 in most cities in India. It is 30,000 in the cities of Delhi, Faridabad, Ghaziabad, Gurugram, Mumbai, Navi Mumbai, Noida, and Thane. The minimum property value should be 15 Lakhs.

    Additional Info: You can also avail Navi Home Loan

    Bajaj Finserv home loan – Fees & Charges

    • Processing Charges

       Salaried Persons – Up to 0.80%

       Self-Employed Individuals – Up to 1.20%

      Loan Statement Charges 50
      Principal and Interest Statement Charges NIL
      EMI Bounce Charges 3000
      Foreclosure Charges Bajaj Finance calculates charges in the following manner
      On Term Loans On Outstanding Principal
      Flexi Term Loan On Current Drop Line Limit
      Flexi-Interest-Only Loans On Sanctioned Limit
      Penal Interest 2% per month+ Taxes
      Secure Fee One-time fee up to  9,999

      Also check AnyRoR Gujarat Land Record.

    Bajaj Finserv Home Loan Schemes

    Bajaj Finance offers various kinds of Home Loans depending on the category of borrower, location of the property, and so on. Top products are:

    Bajaj Finserv Flexi Hybrid Home Loan

    Purpose: Bajaj Flexi Hybrid Home Loan is one of the popular housing products for funding a home purchase. You can use the funds to buy a new or owned house or apartment.

    Eligibility for the Flexi Hybrid Home Loan facility:
    • Loans available up to 85% of the project cost.
    • You get the advantage of an extended repayment period up to 20 years.
    • Loan quantum available up to 3.50 Crores.
    • Salaried, self-employed, and business persons can apply for Bajaj Finserv Flexi Hybrid Home Loan.
    • Age of the borrower should not be over 50 years.
    • Properties under construction are not eligible for financing under this product.
    Features of Flexi Hybrid Home Loan
    • Bajaj Flexi Hybrid Home Loan offers dual benefit of flexi-interest and flexi-term loan.
    • You can withdraw from the part-payments you make. In short, it is akin to the overdraft loan facility that many banks offer.
    • You pay only the interest during the initial flexi-interest period.
    • There is no restriction on the repayment of principal amount.
    • There are no fees for part payment or even foreclosure of the home loan.
    • You just need to pay nominal maintenance fees at the end of each year to enjoy the benefits of the hybrid flexi loan.
    Benefits of the Flexi Hybrid Loan
    • You get a principal holiday period of up to 4 years
    • As you pay the interest alone during this period, you can manage your finances better.
    • You can make part payment and withdraw instantly.
    • There is no limit on the number and amount of part payments you make.
    • As you keep making part payments, the chances of default are minimal.
    Bajaj Finserv Home Loan – Normal
    • This is the standard home loan product by Bajaj Finance and you can use funds for construction of houses or buying apartments under construction or new or second-hand homes and flats.
    • The minimum age for applying loan is 25 years, and the maximum age at maturity of the loan should be 70 years. However salaried employees must be between 23 and 62 years of age.
    • The minimum amount of loan for a salaried individual is 10 Lakhs. The maximum quantum of a loan under this product is Rs 3.50 Crores.
    • Self-employed professionals like doctors and CAs hold higher eligibility of 5 Crores.
    • The maximum repayment tenure is 240 months (20 years).
    Bajaj Finserv Home Loan Balance Transfer
    • Transfer your existing loan from any bank or HFC to Bajaj Finance to avail the benefit of lower interest.
    • Get extended repayment tenures depending on your age and eligibility.
    • Ensure that the repayment in your existing loan is in order.
    • Salaried individuals get the benefit of 3 EMI holidays.
    • Pre-payment and foreclosure allowed without any penalty.
    • No hidden charges involved.
    • Get the benefit of flexi-hybrid loan (if the borrower is under 50 years of age).
    Bajaj Finserve Top-Up facility
    • Customers availing Home Loan Balance Transfer facility are eligible for the Top-Up home loan. Only salaried employees are eligible for the Top-Up facility.
    • The maximum amount of Top-Up available is 50 Lakhs, subject to eligibility norms and availability of adequate security (LTV norms).
    • Use it for a variety of expenses such as medical, education, marriage, and so on.

    Additional Info: Also check DDA Housing Scheme

    Bajaj Finserv Home Loan Comparison with Other Lenders
    LenderMaximum Loan AmountMaximum TenureInterest RateProcessing Fee
    Bajaj Finserv Home LoanUp to 85% of property30 years7.70% onwardsUp to 1% of the loan amount + GST and other applicable statutory levies
    ICICI Bank Home LoanUp to 90% of property 30 years8.10%-8.95%0.50% – 2% or Rs. 1,500 (Rs. 2,000 for Mumbai, Delhi & Bangalore), whichever is higher + GST
    SBI Home LoanUp to 90% of property cost30 years8.05% – 9.05%Up to 0.35% + applicable GST
    Axis Bank Home LoanRs. 5 Crores30 years8.10%-8.55%Up to 1%, minimum Rs.10,000
    HDFC Home LoanUp to 90% of property cost30 years8.10%-9.00%Up to 0.50% or Rs. 4,500 (whichever is higher) + applicable taxes

    You can also Apply for 20 Lakh Home Loan

    How Much Home Loan Can I Get on My Property (LTV) from Bajaj Finserv?

    Bajaj Finance provides home loans in the range of 75% to 85% of the property value. The margin depends on the Home Loan product chosen. The margins are higher in case of a loan against property.

    Additional Info: Also check Sukanya Samriddhi Yojana

    How to Calculate Bajaj Finance Home Loan EMI?

    You can conveniently Calculate your EMI for Bajaj Finance Home Loan on fastmudra EMI Calculator. Enter the loan amount, loan tenure, and rate of interest to get your EMI.

    Additional Info: Also check SBI Home Loan EMI Calculator

    Bajaj Finserv Pradhan Mantri Awas Yojana Subsidy 2022

    Bajaj Finserv is one of the member lending institutions authorised by the Government to offer Home Loans under the Pradhan Mantri Awas Yojana (PMAY). This program provides the benefit of interest subsidy to the different categories of borrowers. This subsidy is credited upfront to the loan account. This interest subsidy is available on the PMAY – Urban Home Loan Scheme only. As a result, the borrower has a lower interest burden and EMI.

    Category of BorrowerIncome CriteriaLoan amount range eligible for the subsidyMaximum interest subsidy

    Economically Weaker Section – EWSAnnual Income up to  3 Lakhs 6 Lakhs6.5% subsidy with a maximum of  2.67 Lakhs
    Lower Income Group – LIGMore than  3 Lakhs and up to  6 Lakhs 6 Lakhs6.5% subsidy with a maximum of  2.67 Lakhs
    Middle Income Group – MIG-IMore than  6 Lakhs and up to  12 Lakhs 9 Lakhs4% subsidy with a maximum of  2.35 Lakhs
    Middle Income Group – MIG-IIMore than  12 Lakhs and up to  18 Lakhs 12 Lakhs3% subsidy with a maximum of  2.30 Lakhs

    Also Check: Cibil score required for home loan

    Bajaj Finance Home Loan - Customer Care

    Download the Bajaj Finance mobile app by sending SMS ‘APP’ to 9227564444 
    Email Bajaj Finance at wecare@bajajfinserv.in 
    For grievance redressal, email at grievanceredressalream@bajajfinserv.in 
    Give a call between 9.30 am to 5.30 pm from Monday to Friday on 020-71177266 
    For escalating requests, email to customerexperiencehead@bajajfinserv.in 
    For all queries, call 020-39575152

    Corporate Office

    4th Floor, Bajaj Finserv Corporate Office

    Off Pune-Ahmednagar Road, Viman Nagar, Pune 411014

    Ph No 020-30405060

    Fax 020-30405020

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