Just when you thought it couldn’t go any higher, the cost of living in India has inched upwards yet again. Consider this: As of 2018, the cost of living in Mumbai was higher than that of living in Stockholm, Melbourne or Buenos Aires, primarily because of the prices of food and domestic supplies. So, it’s easy to see how buying a home in India can cost you a pretty penny.
The smartest way to make this ambition a reality is by taking a home loan. You can capitalise on a favourable real estate climate in this manner and add to your asset portfolio without any setbacks. Instead of paying rent, you pay EMIs and are able to secure your future. However, it’s important that you pick a loan where you can access easy terms, ample finance, and add-on benefits for this to be beneficial. One financial institution that checks all three boxes is Bajaj Housing Finance Limited.
If you’re wondering why you should pick Bajaj Housing Finance Limited over other players in the market, keep in mind that it offers end-to-end assistance, right from selecting a home to financing it. Take a closer look at the outstanding benefits on offer.
Choose from 5 lakh homes
Bajaj Housing Finance Limited offers various types of homes, bringing the grand total up to 5 lakh homes for you to choose from. You can filter your search by location or housing projects, or use the map to zero in on a locality. Further, projects are segmented under five categories, making it easy for you to find what you’re looking for. You can browse for homes under categories such as Featured Projects, Luxury Homes, Budget Homes, New Launches and Ready Possession Homes.
Select a home loan from 6 different offerings
Apart from helping you select a property that matches your list of requirements, Bajaj Housing Finance Limited helps you make your purchase by giving you ample finance by way of a home loan. What’s more, why settle for one standard home loan offering when you can take your pick from six customised options? Bajaj Housing Finance Limited gives you the choice of six different types of home loans, which means finding one that truly aligns with your needs is simple. You can choose from:
- Home loans for self-employed
- Home loans for salaried individuals
- Home loans for doctors
- Pre-approved home loans
- Home loan balance transfers
- Loans against property
Get more than just a home loan
Have you already taken a home loan and are repaying the same? If so, there is no need to miss out on Bajaj Housing Finance Limited’s benefits. It is never too late to avail them and all you need to do is transfer your home loan balance to Bajaj Finance Housing Limited. Here you can not only access competitive interest rates and convenient features, but you can also avail a top-up loan for any other expenses that you might incur. This avoids the need to borrow a second loan while you are already servicing a home loan.
Apply comfortably via easy application
When you select Bajaj Housing Finance Limited, you can bid goodbye to multiple branch visits and lengthy application forms as applying for finance is made effortless here. Since buying a home can be a stressful prospect to begin with, Bajaj Housing Finance Limited does all it can to simplify and uncomplicate the process of getting the money you need. One way in which it does this is by allowing you to apply for a home loan online, as per your convenience. Just fill out a concise form and get approval in no time.
Eligibility criteria are minimal too, and you can apply for a home loan if:
- You are a salaried individual between the ages of 23 and 62 years and also an Indian resident with 3 years of work experience. Or if,
- You are a self-employed individual between the ages of 25 and 70 years and also an Indian resident with 5 years of business stability.
The salary requirements as per your location of residence are simple too, and you can check the same before you apply.
Enjoy effortless repayment post application
Home loans offered by Bajaj Housing Finance Limited are not only easy to apply for, but equally easy to repay. In addition to being able to apply online, you can also manage your loan online through a secure customer portal. What’s more, you have the freedom to select a tenor as per what you’re comfortable with. Choose up to 40 years to repay your home loan through low EMIs or opt for a shorter tenor if you can afford higher EMIs and wish to clear your debt faster. Further, you can also make the most of zero charges on part pre-payment and foreclosure to make repayment hassle-free.
Apart from these wonderful benefits and ample finance, Bajaj Housing Finance Limited gives you all the support you need to make buying your home easy. This means whether it is in-person assistance for site visits and documentation help, or dossiers that acquaint you with the legal and financial aspects of a home purchase, Bajaj Housing Finance Limited does it all to ensure that buying a home is a happy and not a confusing or frightening experience.
Wondering how to get started? It’s simple; all you need to do is check your pre-approved offer. This way you can view tailor-made deals crafted for you. Choose the best one from this list and expedite access to finance!
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