Bajaj Finserv in your city

Also known as Kochi, this port city is famous for hosting trade routes with Middle Eastern and European countries. Its prominence in the IT and financial sector has also played a role in this city’s growth.

Looking to buy a property? Purchasing a house in Cochin has become easy with home loans from Bajaj Finserv. Meet our simple eligibility criteria and get a home loan in Cochin worth Rs. 5 crores, or even higher, basis your eligibility.

Features and benefits of a home loan in Cochin

Apply for a Bajaj Finserv Home Loan in Cochin and avail of a range of benefits alongside a competitive rate of interest and quick processing.

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

    Interest rate starting 6.65%*

    The Bajaj Finserv Home Loan starts with EMIs as low as Rs. 642/Lakh*. Apply with us today to ensure affordability in the long run.

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

    Funding of Rs. 5 crores

    The loan amount one can avail of remains uncapped for eligible applicants with a good credit history and steady income, among other factors. 

  • Repayment tenor of %$$HL-Tenor$$%

    Repayment tenor of 30 years

    Bajaj Finserv offers flexible repayment tenor to ensure your EMIs remain affordable and don’t stretch your finances too thin.

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

    Top-up of Rs. 1 crore

    When your transfer the balance amount on an existing home loan to Bajaj Finserv, you can avail of a sizeable top-up loan for any other financial needs. 

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

    Disbursal in 48 Hours*

    To ensure a hassle-free experience, we strive for the shortest turnaround times. Our loans are disbursed shortly after verification.

  • Online account management

    Online account management

    Our customer portal offers a hassle-free platform for customers to transact as well as complete key tasks, download statements.

  • Zero prepayment and foreclosure charges

    Zero prepayment and foreclosure charges

    Those with floating rate of interest home loans can choose to repay all or a part of their loan amount before the end of the tenor without any additional charges.

  • Customised repayment options

    Customised repayment options

    With Bajaj Finserv, you have the option to avail of customized repayment options most suited to your needs and affordability.

  • External benchmark linked loans

    External benchmark linked loans

    Bajaj Finserv also offers home loans with interest rates linked to external benchmarks, such as the repo rate.

  • Hassle-free processing

    Hassle-free processing

    We strive to offer the optimum experience through processing and beyond. Our eligibility criteria are simple and documentation requirements are minimal.

  • Interest subsidy under PMAY**

    Interest subsidy under PMAY**

    You have the option to avail of an interest subsidy under the Pradhan Mantri Awas Yojana (PMAY) when you apply through Bajaj Finserv.

Home loan eligibility criteria

Use a home loan eligibility calculator to check the amount for which you’re eligible. Thereafter use a home loan EMI calculator to determine the loan amount and tenor you are comfortable with.

Here are the eligibility criteria you need to fulfil to get funds:

Criteria

Description

Nationality

Indian (resident)

Age***

23 to 62 years (salaried)

25 to 70 years (self-employed)

Work experience

3 years (salaried)

5 years of vintage with the current enterprise (self-employed)

Minimum monthly income

Rs. 30,000 to Rs. 50,000, depending on the city of residence and age (salaried)

Rs. 30,000 to Rs. 40,000, depending on the city of residence and age (self-employed)


***The upper age limit is considered as age at the time of loan maturity

Bajaj Finserv allows you to receive the benefits of PMAY and get competitive interest rates at the same time. It reduces the loan burden and overall expense of purchasing a property in Cochin significantly. The top-up loan feature allows you to get additional funds at favourable terms to finance home renovation and other expenses. Check you pre-approved offers online by providing contact details and enjoy these benefits.

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Home loan interest rates, fees, and charges

Bajaj Finserv charges a competitive interest rate on home loan, which makes it an ideal financing solution for many. You can now choose the interest rate type between fixed and floating. The floating interest rate keeps changing according to market rates, but the fixed one remains constant.