Features of a home loan

  • Interest rate starting %$$HL-SAL-ROI$$%

    Interest rate starting 7.70%*

    Bajaj Finserv offers home loans at attractive interest rates. At present, our EMIs start from Rs. 713/Lakh* giving you an affordable funding option for your property purchase.

  • Funding of %$$HL-max-loan-amount$$%

    Funding of Rs. 5 Crore*

    We ensure that your dream home is within your reach, so the loan amount is never a problem for eligible candidates with a good credit profile.

  • Repayment tenor of %$$HL-Tenor$$%

    Repayment tenor of 30 years

    Bajaj Finserv gives you the option to pick a flexible repayment tenor basis your financial standing, letting you repay your loan with comfort.

  • Top-up of %$$HLBT-max-loan-amount-HLBT$$%

    Top-up of Rs. 1 Crore*

    Bring down your repayment burden by refinancing your home loan with Bajaj Finserv at reduced rates. Also get a sizeable top-up loan to address your other big ticket expenses.

  • Disbursal in %$$HL-Disbursal-TAT$$%

    Disbursal in 48 Hours*

    We credit the loan amount soon after the verification to ensure a hassle-free experience from start to end.

  • Online account management

    Online account management

    Our promise of a hassle-free experience goes beyond the processing stage. Customers have access to a range of features online on our customer portal.

  • Zero prepayment and foreclosure charges

    Zero prepayment and foreclosure charges

    Individuals with home loans linked to a floating rate of interest face no additional charges when they prepay a part of their home loan, or the whole sum.

  • Customised repayment options

    Customised repayment options

    Bajaj Finserv offers several customized repayment options best suited to your needs.

  • External benchmark linked loans

    External benchmark linked loans

    You also have the option to apply for a home loan linked to an external benchmark, such as the repo rate.

  • Hassle-free processing

    Hassle-free processing

    Bajaj Finserv offers an unmatched experience with a simple application process. The list of documents required is kept to a minimal.

  • Interest subsidy under PMAY**

    Interest subsidy under PMAY**

    Applicants eligible under the PMAY scheme can avail of an interest subsidy when applying for a home loan with Bajaj Finserv.

Avail of the high-value Bajaj Finserv Home Loan for your home purchase at an interest rate starting at 7.70%**. You can repay it over a flexible tenor of up to 30 years, claim annual tax benefits, get ample top-up loan along with it and save up to Rs. 2.67 lakh* on interest through the PMAY’s interest subsidy.

You can now receive your funds with Bajaj Finserv’s simple eligibility terms and a minimal requirement for documentation. With the Online Home Loan facility, you can now get a digital sanction letter in just 10 minutes, giving you the leg up you need in buying the property of your choice.

With attractive home loan interest rates on offer, you can also refinance your existing house loan through the balance transfer facility and avail of a top-up loan when doing so. Also, if you take a floating-rate home loan, the part-prepayment and foreclosure charges are slashed to zero.

A competitive interest rate and no hidden charges make repayment easier too, for borrowers with every kind of financial standing. To meet your housing finance needs, apply for the Bajaj Finserv Home Loan today and get instant approval.

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Home Loan Frequently asked questions

What is the maximum loan amount I can get when I apply for a home loan?

Bajaj Finserv offers applicants high value loan amounts to help them in their homebuying journeys. Applicants with work experience of 3 years can get a home loan of Rs. 5 Crore* and even more, basis eligibility. Use the Housing Loan Eligibility Calculator to gauge the maximum loan amount based upon your income, tenor, and current obligations. If applicants have a credit score over 750, then they will be eligible for the best home loan terms and benefits.

Can I part-prepay my loan, or foreclose it and will it cost me extra?

Provided that you have opted for a floating interest rate with your Bajaj Finserv Home Loan, choosing to foreclose or part-prepay your home loan will cost you nothing. However, do note that the minimum amount for making a part-prepayment is three times your existing EMI amount.

What are the interest rates applicable on a home loan?

Bajaj Finserv offers home loans at competitive interest rates to both salaried and self-employed applicants. All you must do is meet our easy eligibility criteria and comply with our minimal documentation requirements. Strong applicants can enjoy interest rates starting from 7.70%*.

How long do I have to wait, before my loan amount is credited?

Bajaj Finserv boasts of a fast turn around time, much to benefit of all their borrowers. Eligible borrowers will get their loan amount in 48 Hours* which allows them to make the purchase of their dreams, without having to wait for too long.

How to apply for a home loan?

To avail a Bajaj Finserv Home Loan, applicants only have to follow these simple steps.

  • Access the online home loan application form
  • Enter your basic personal details
  • Verify yourself with an OTP
  • Use the eligibility calculator to pick the loan amount and tenor
  • Fill out your personal, employment, financial, and property details
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