Loan Amount
Bajaj Housing Finance Home Loan offers a wide range of loan amounts, reaching up to ₹15 Crores, catering to individuals across different financial segments and fulfilling diverse housing needs
Competitive Interest Rates
With interest rates starting as low as 8.5%, Bajaj Housing Finance Home Loan provides affordability, allowing you to manage EMIs comfortably and focus on achieving your dream of homeownership.
No Prepayment/Foreclosure Charges
Bajaj Housing Finance Home Loan offers the freedom to make prepayments or foreclose the loan without incurring additional fees, enabling you to reduce interest costs and clear the loan sooner if desired.
Affordable Processing Fees
starting at just 0.35%, the processing fee for an Bajaj Housing Finance Home Loan remains competitive and is based on eligibility and the specific loan type chosen.
Application Process
Applying for an Bajaj Housing Finance Home Loan is convenient and flexible. You can apply online from the comfort of your home or visit the nearest Bajaj Housing Finance branch for assistance.
Flexible Tenure
Bajaj Housing Finance Home Loan provides repayment tenures of up to 30 years, allowing you to choose a tenure that aligns with your financial planning and repayment ability.
Balance Transfer Facility
For those with existing home loans at other banks, Bajaj Housing Finance offers a hassle-free balance transfer facility, allowing you to move your loan to Bajaj Housing Finance without prepayment charges and benefit from lower interest rates and better terms.
Minimum Documentation
The home loan process with Bajaj Housing Finance is simple and efficient, requiring minimal documentation to ensure a quick and smooth disbursal process.
Wondering if you’re eligible? Here’s what you need to qualify for an Bajaj Housing Finance Home Loan:
Age
Minimum age of 18 years and a maximum of 70 years at loan maturity
Income
Consistent income from salaried or self-employed work
Credit Score
A credit score above 650 improves loan eligibility
Employment Stability
Minimum work experience for salaried individuals and business stability for self-employed applicants
Choose from a range of Bajaj Housing Finance home loan schemes designed to meet various needs:
1. Regular Home Loan:Ideal for purchasing a new or resale property
2. Balance Transfer Loan: Transfer your existing high-interest loan to Bajaj Housing Finance for lower EMIs
3. Bajaj Housing Finance Realty: A loan for purchasing land to build your own home
4. Bajaj Housing Finance Flexipay Home Loan: Provides an option to pay only interest during the initial period
5. Top-Up Loan:Avail additional funds for home renovation or personal needs
Prepare the following documents to streamline your application:
Identity Proof
Aadhaar, Passport, or PAN
Address Proof
Aadhaar, utility bills, or rent agreement
Income Proof
Latest salary slips, Form 16, or ITR for self-employed
Bank Statements
Last six months’ bank statements
Property Documents
Property sale agreement and title documents
An Bajaj Housing Finance Home Loan offers significant tax savings:
Principal Repayment
Deduction under Section 80C for up to ₹1.5 lakh
Interest Payment
Deduction of up to ₹2 lakh under Section 24(b)
Additional Benefit
First-time homebuyers may claim extra benefits under Section 80EEA
Use TyTil 's Bajaj Housing Finance Home Loan EMI Calculator to estimate your monthly payments. Simply enter your loan amount, interest rate, and preferred tenure, and get an immediate overview of your repayment plan.
Need a more accurate EMI estimate?
Enjoy low processing fees starting from 0.35% of the loan amount, plus applicable taxes. Additional charges may apply for document verification and legal processes, ensuring a transparent cost structure.
Use our eligibility calculator to assess your qualification.