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Home Loan: Overview

Pali is a popular city where both young and old want to live and do business. If you’re wondering how you can become a homeowner in Pali, Bajaj Finserv offers home loans that will assist you in affording the home you have always admired.

What’s a Home Loan?

A home loan is a financial solution that enables individuals and entities to borrow funds for the purchase or renovation of a residential or commercial property. It is a secured loan, and the property to be purchased serves as collateral. The property ownership remains with the lender until you repay the entire sum with interest. The home loan interest rate is relatively low compared to a personal or business loan because of its secured nature.

Home Loan in Pali: Features and Benefits

Below is a list of features and benefits you stand to enjoy when you avail of a home loan at Bajaj Finserv.

  • Disbursal in 48 hours*

    Disbursal in 48 hours*

    Once you receive approval for the submission of a complete home loan application with all the documentation, you can expect disbursal in 48 hours*.

  • Online account management

    Online account management

    You will enjoy a truly hassle-free experience even after we disburse the loan. Access your statement of accounts and other documents through our online customer portal and complete transactions from the comfort of your home.

  • PMAY

    Interest subsidy of 6.50%* under Pradhan Mantri Awas Yojana (PMAY)

    Avail of an interest subsidy under the PMAY when you apply with us, as we are a prime lending institution with the Central Nodal Agency.

  • Zero part-prepayment and foreclosure charges

    Zero part-prepayment and foreclosure charges

    Individuals with a floating interest rate home loan will not require additional fees or charges should they choose to repay a part of their entire home loan before the end of the tenor.

  • Hassle-free processing

    Hassle-free processing

    Enjoy an all-new home loan experience with us, one where you only submit minimal documentation and can complete the process from the comfort of your home. You only have to visit us or bring us to your doorstep when you want to sign the final loan agreement and other registration formalities.

  • Online tools for better decision-making

    Online tools for better decision-making

    A home loan is a long-term commitment and requires thorough research. Use our online tools, such as the home loan eligibility calculator and the EMI calculator for a home loan, to finalize a loan amount and tenor best suited to your finances.

Home Loan in Pali: Interest Rate, Fees, and Charges

Bajaj Finserv’s home loan interest rate starts from 7.20%* p.a. for salaried and professional applicants. While the final rate applicable for each applicant depends on their credit profile, we have lower home loan interest rates for candidates of all employment types. You can view the complete list of all our interest rates, fees, and charges here.

Home Loan in Pali Eligibility Criteria

You can online increase your chances of approval by checking the home loan eligibility criteria of the lender you’re considering—in this case, Bajaj Finserv.

Are you planning to apply for a home loan in Pali? Here are our eligibility criteria:

Criteria Salaried Self-Employed applicants
Nationality Indian (Non-NRI) Indian (Non-NRI)
Employment Minimum 3 years of work experience, preferably with a reputed employer Minimum 5 years of vintage in your current enterprise
Age 23 to 62 years 25 to 70 years
Place of Residence Must reside in one of the cities we operate in Must reside in one of the cities we operate in
Income Rs.30,000 to Rs.50,000, depending on the city of residence and age Rs.30,000 to Rs.40,000, depending on the city of residence and age

Note: We consider the upper age limit as your age at the time of loan maturity. You can simply mail these documents to avoid branch visits.

Documents Required to Take a Home Loan in Pali

Before applying for a home loan in Pali, it’s essential to know the documents required for a home loan. At Bajaj Finserv, we require the below documents:

Verification Type Document
Identification and Address Pan card
Aadhar card
Utility bills, etc.
Financial Latest salary slips (3 months)
Bank statement (6 months)
ITR (2 years)
Property Sale Deed with Registration Receipt
Agreement Copy
Approved project plan/MAP
TAX receipt
Existing Loan Sanction letter
Statement of Account (SOA)
Foreclosure letter

Note: The existing loan verification type is only applicable in the case of a balance transfer. Also, we may request some other documents at the time of processing. We will communicate these documents to you. 

How to Apply for Home Loan in Pali

The below guide will walk you through our easy home loan application process.

Step 1: Fill out the home loan application form

Step 2: Enter your full name, mobile number, PIN code, and occupation type

Step 3: Validate your one-time password (OTP) 

Step 4: Enter your date of birth, PAN number, income, and other details

After successfully submitting your application, our representative will get in touch with you within 24 hours and explain the next steps. Alternatively, you can also go to any of our branches in Pali, where our representatives can guide you through the process.

Did you know, a good CIBIL score can help you get a better deal on loans and credit cards?