Bajaj Finserv in your city

Kottayam is a municipal town situated in Kerala and also serves as its administrative capital. It boasts a well-planned infrastructure and transportation system that connects it to nearby locations of economic importance. As one of the more suitable locations of South India, it has emerged as an option among places to settle down in the region.

With its name meaning ‘interior of a fort’, Kottayam is a historical town surrounded by the Western Ghats on its east. The town is well-known for birthing and nurturing some of the earliest Malayalam daily newspapers, like Mangalam, Malayala Manorama, and Deepika. The city is only 150km away from Kerala state’s capital Thiruvananthapuram. The town is also counted among some of the most educated locations of India and is primarily supported by local agricultural farming.

Looking to purchase a property here? Avail of necessary finance through a Home Loan in Kottayam from Bajaj Finserv, starting at only 7.70%*.

Features and benefits of a home loan in Kotayyam

Apply for a Bajaj Finserv Home Loan in Kotayyam for quick and hassle-free processing, along with an attractive rate of interest.

  • 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*.

  • 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.

  • Repayment tenor of %$$HL-Tenor$$%

    Repayment tenor of 30 years

    Bajaj Finserv gives you the option to pick a flexible repayment tenor so you are financially comfortable in the years to come.

  • 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. Additionally, avail of a sizeable top-up loan.er, as per eligibility.

  • 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.

Home loan eligibility criteria

Check if you meet all the eligibility requirements before applying for a home loan for hassle-free approval. With a Bajaj Finserv home loan eligibility calculator, you can also assess the maximum loan amount available to you and apply accordingly.

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

Use a Bajaj Finserv Home Loan EMI Calculator to assess the EMIs payable and determine your affordability before applying. Also, keep all necessary documents handy for streamlined loan processing.

Interest rates and charges

Bajaj Finserv ensures competitive home loan interest rates with other nominal charges to improve borrower affordability. Check all the applicable rates and charges to determine your repayment liability and plan your finances accordingly.