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Home Loan in Lucknow: Overview

Lucknow is a northern city of India that is steeped in history and culture. This city is the eleventh most populated in the country and is an influential centre for matters of governance, education, commerce and tourism. Due to all of these factors, its residential market continues to grow with each passing year. This uptrend means that you may need financial assistance to buy the flat or villa of your choice. Thankfully, you can opt for the Bajaj Finserv Home Loan in Lucknow to gain access to a sanction of up to Rs.3.5 crore at a competitive interest rate.

Read on for a detailed look at why the Bajaj Finserv Home Loan is an efficient way to purchase property in the capital of Uttar Pradesh.

  • Lucknow Home loan: Features and Benefits

    This home loan offers you numerous value-added features and benefits such as the following.

  • Pradhan Mantri Awas Yojana

    The Bajaj Finserv Home Loan offers PMAY benefits to first-time homebuyers. If you qualify for PMAY scheme, you can get an interest subsidy on home loans and save up to Rs.2.67 lakh!

  • mortgage loan in india

    Home Loan Balance Transfer

    If you’re already servicing a home loan, you can transfer home loan to Bajaj Finserv in order to enjoy better repayment terms and loan features. Best of all, this transfer is economical and requires minimal documentation.

  • Top-up Loan

    When you opt for the Bajaj Finserv Home Loan, you also gain access to additional funding of up to Rs.50 lakh via a top up loan. You can use this sum as you deem fit, whether it’s to decorate your home’s interiors or for other obligations like your child’s education.

  • Part-prepayment and Foreclosure Facility

    Part-prepayments towards the principal brings down the interest component of your loan, which is why Bajaj Finserv allows you to foreclose or make part-prepayments at no extra charge. This means that you can repay your loan as per your convenience if you have surplus funds.

  • Flexible Tenor

    This loan has a lengthy repayment window of up to 20 years. As a result, you can choose a tenor that you’re comfortable with to make repayment stress-free.

  • Padho Pardesh Scheme

    Minimal Documentation

    In order to process your Bajaj Finserv Home Loan you only have to submit basic documentation such as identity proof, address proof and salary slips.

Home Loan Interest Rate, Fees and Charges

Bajaj Finserv offers incredibly attractive home loan rates, which means that salaried and self-employed applicants can avail it with ease. Moreover, you can choose between a fixed and floating interest rate. For a detailed understanding of the applicable rates, take a look at the following table.
Types of rate Interest rate applicable
Regular interest rate for salaried borrowers 6.75%* to 10.30%
Regular interest rate for self-employed borrowers 6.75%* to 11.15%
Promotional interest rate for salaried borrowers 6.75%* onwards
Bajaj Finance Limited floating reference rate for salaried and self-employed applicants 20.90%
*For a loan of up to Rs.30 lakh
Nature of charge Amount due
Processing fees for salaried borrowers Up to 0.80%
Processing fees for self-employed borrowers Up to 1.20%
Penal interest 2% per month + taxes
Loan statement charges Rs.50
Secure fee Rs.9,999 (payable once)
Mortgage origination fee Rs.1,999 (Non-refundable)
Principal and interest statement charges Nil
EMI bounce charges Rs.3,000

Home Loan Eligibility Criteria

Before you apply for a home loan, you must be sure that you qualify for it. To check this, examine the eligibility criteria and ensure that you meet the requirements. Bajaj Finserv makes this process easy as it has basic home loan eligibility criteria as stated below.

Type of loan applicant Age (in years) Work experience/ Business continuity (in years) Residency
Salaried 23–62 3 Indian
Self-employed 25–70 5 Indian
You can check your eligibility with our easy to use home loan eligibility calculator.

Calculate Home Loan EMI

The home loan EMI calculator is a powerful tool that can help you compare lenders and plan for repayment. You can use the calculator before borrowing a home loan to view EMIs and accordingly adjust your loan amount and tenor to avoid straining your finances. An EMI calculator is the best tool for the job as it offers accurate results in seconds and is free to use too.

Documents Required for Home Loan

Before applying for a home loan, ensure that you have all home loan documents list that prove your eligibility ready. This allows you to complete the loan application quickly and sidestep any delays. Take a look at the documents that you have to submit for a Bajaj Finserv Home Loan in Lucknow below.

  • KYC documents
  • Address proof
  • Identity proof
  • Photograph
  • Salary slips or Form 16
  • Bank statements of the past 6 months
  • Proof of business continuity (for a minimum of 5 years). This is applicable only for self-employed borrowers

How to Apply for Home Loan

Applying for this home loan is straightforward. Here is a step-by-step guide.

Online application

  • Access the online portal and apply by filling a form with financial, personal, employment and property details
  • Pay the secure fee to book an available offer
  • Await the relationship manager’s call after which you can pay the fees and submit documents.

Offline Application

  • In order to apply offline, you can send an SMS to 97736633633 with ‘HLCI’ as the message
  • You can also walk into a Bajaj Finserv branch to apply for a Home Loan in Lucknow

The Bajaj Finserv Home Loan offers incredible benefits alongside its attractive housing loan interest rates. Moreover, to access funds even quicker, it’s best to check your pre-approved home loan offer before you apply. This way, you can use a tailored deal to enjoy speedy, hassle-free home financing.

Contact Us

New and existing customers can contact with Bajaj Finserv customer care for all queries related to our home loans.

1. For new customers

  • we have a calling line set up at 1800-103-3535.
  • You can also visit any of our branches. Click here to find out the address of your nearest branch.
  • just SMS "HOME" to 9773633633 and our representative shall get back to you.
2. For existing customers,