Are you looking for a loan to buy your dream house but worried about meeting the eligibility criteria? Instead of opting for an individual loan, consider a Joint Home Loan with Bajaj Finserv and increase your chances of getting a Home Loan.

Joint Home Loan: Features and Benefits

Buying a property, whether an apartment, villa, row house, or an empty plot, requires a large amount of money. In order to be eligible to avail of a loan for a large amount of money, you need to have a sizeable income. However, if you do not earn enough to qualify for a Home Loan on your own, you can opt for a Bajaj Finserv Joint Home Loan.

A Joint Home Loan allows you to purchase the home you’ve always wanted by sharing the debt with a co-borrower. You can also take a Joint Home Loan if you co-own the property with a close relative.

Here’s a list of people who are eligible to sign up as co-applicants for your Joint Home Loan:

  • Spouse
  • Parent
  • Son, if he is a primary owner in case of multiple heirs
  • Daughter, if she is unmarried, and a primary owner
  • Siblings, if the property is co-owned

You can also opt for a Home Loan Balance Transfer and get a Top-Up Loan on it, only with Bajaj Finserv.

Instant approvals

You can get a Joint Home Loan in minutes with Bajaj Finserv. You won’t have to wait for days to know if your application is approved or not. At Bajaj Finserv, we provide near instant loan approval in a few minutes after your application is submitted.

Fast disbursal

In order to secure your dream home, you may need to make a payment urgently. This is why we make sure that once your application is approved, your loan amount is disbursed in 72 hours or less. Say goodbye to disbursal delays with Bajaj Finserv joint loans.

Low Interest Rates

Avail some of the lowest interest rates on your joint loan application, only with Bajaj Finserv.

Online account access

Get 365 days, 24/7 access to your Joint Home Loan account. Check your payment schedule, interest certificate, track repayments, and view key information related to your loans by logging in with your credentials on our digital customer portal.

Eligibility and Documents for Joint Home Loan

All salaried professionals can avail of a Joint Home Loan easily from Bajaj Finserv across top cities in India. You’ll need to meet basic eligibility criteria and provide us with a few important documents. Here is the complete list of requirements for Joint Home Loan eligibility.

Joint Home Loan: Fees and Charges

Buying a home can cause considerable strain on your finances. To ease the burden of repaying your Home Loan, Bajaj Finserv charges no extra fees if you decide to prepay your EMIs or foreclose your Joint Home Loan. For information on processing fees, rate of interest and other charges, please visit the link provided to get a better understanding of Joint Home Loan charges and interest rates

How to Apply

Applying for a Joint Home Loan is extremely simple and straightforward. All you need to do is fill an online application form with the necessary details and you’re done. Read more about How to apply for Joint Home Loan

Terms and Conditions

Click here to better understand our terms and conditions.



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Financial Fitness Report

We launched the Financial Fitness Report (FFR) for our Salaried customers in December 2013.
Through this report we would educate and create financial and credit awareness among Salaried customers, one of our many value added services we provide. We have partnered with a firm called Credit Vidya who possesses the expertise in preparing the FFR for our customers.

The FFR is a concise, crisp, customized and easy to understand report, available at just Rs.749, for select existing customers, covering the following:

  • A customers’ Credit Score
  • Demystifying the credit score for the customer and informing him about his performance across various components of the score
  • Key monetary ratios & savings potential which would provide awareness to a customer about his financial leverage
  • Recommendations to the customer with respect to his credit behavior
  • DO’s & DON’T’s of good credit behavior

Click here to view a sample copy of the report

How to Apply

The Financial Fitness Report is only available to select existing customers who have an offer on our Customer Portal.
To view the FFR offer, a customer must log in to the Customer Portal with a Username/Email ID/Mobile Number and Password.

Alternately a Salaried customer could seek information about the FFR from our Sales / Credit Manager during the Personal loan application process. The report for a new customer is priced at 999/-
Post application for a FFR, the report is generated within 3 days post disbursal of the loan and emailed to the customer on the email ID provided by him/her.