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About Joint Home Loan

Purchasing a house is a one-time investment which involves proper planning and arrangement of funds accordingly. Home Loan is usually the first option; however, you need sufficient income strength to avail that. Bajaj Finserv brings Joint Home Loan as the best alternative for those who aren’t eligible for a Home Loan due to comparatively low income.

Own your dream house using a Joint Home Loan with wife, any other family member or friend. It is a secured loan availed along with a co-borrower, thereby, sharing the responsibility of repayment equally.


People who are eligible as a co-borrower for Home Loan Jointly


The following people can apply as a co-borrower in your loan application:

  • Joint Home Loan with parent

    A few benefits of Home Loan with joint holders are increased eligibility of the loan, enhanced budget, more tax benefits, equal repayment liability, etc. Apply for a Bajaj Finserv Joint Home Loan and enjoy maximum benefits with attractive features.

  • Spouse

    Working couples can apply jointly for higher loan amounts as two incomes can adequately support the cost of loan. You can also enjoy income tax benefits.

  • Siblings

    You can apply for Joint Home Loan with brother or sister when they co-own the house.

  • Daughter

    Daughters who are unmarried and primary owners can also be co-applicants.

  • Son

    Sons having the primary ownership in case of multiple heirs can be co-borrowers as well.


Bajaj Finserv also offers Joint Home Loan with a friend with the same benefits and features.


  • High financing

    Bajaj Finserv offers high loan amounts of up to Rs. 3.5 Crore with Joint Home Loans. Utilise this fund to finance your desired home effortlessly.

  • Easy Repayment with Flexible Tenor

    Select from a flexible tenor of up to 240 months, suiting your repayment capability. We make it easier for you, reducing the financial burden.

  • Quick Approval and Disbursal

    Enjoy instant approval of your Home Loan with co-applicant within minutes of submitting the application. Bajaj Finserv ensures faster fund disbursal within 72 hours and even less. No more delays in receiving financing.

  • Low Interest Rates

    Avail some of the lowest interest rates on your joint home loan application, only with Bajaj Finserv.

  • Balance Transfer Facility

    Transfer your existing loan account and avail better rates of interest along with additional benefits like top-up loans, prepayment, etc. Bajaj Finserv requires minimal documentation to complete the process of Home Loan Balance Transfer.

  • Top-up Loan

    Finance your additional monetary requirements with an exclusive high-value top-up loan at nominal rates. No extra documentation and hassle involved.

  • Part-prepayment and Foreclosure

    Pay off the full or a certain amount of the principal with excess funds and enjoy zero charges on the same.

  • Tax Benefits

    To be eligible to claim tax benefits on Joint Home Loans, one must be a co-applicant and a joint owner of the property. Lastly, construction of the house must also be complete.

    Tax benefits on Home Loan interest are available, up to Rs. 50,000 and Rs. 2 Lakh under Section 80EE and Section 24 respectively.

  • Education loan scheme

    Online account management

    Track your loan details including EMIs, payment schedule, interests, principal amount, etc. with online account management facility. Access it any time 24x7, 365 days with a few clicks.

    Opt for a Joint Home Loan and enhance the chances of availing sufficient finance for your new house.

Joint Home Loan: Eligibility & Documents

Bajaj Finserv comes with easy-to-meet Home Loan eligibility criteria for individuals to apply for Joint Home Loans. Complete the application procedure with a few essential documents only.

You can use the Home Loan Eligibility Calculator to check your eligibility beforehand.

Joint Home Loan: Interest Rates, Fees & Charges

Bajaj Finserv ensures no hidden charges and maintains complete transparency on home loan interest rates. Follow the chart below:

Interest Rates and Fees Applicable charges
Regular rate of interest (For self-employed) 6.75%* - 11.15%
Regular rate of interest (For salaried) 6.75%* - 10.30%
Promotional rate of interest (Salaried) From 6.75%* (for loans up to Rs. 30 Lakh, for new customers)
Bajaj Finance Limited Floating Reference Rate for Self Employed customers 20.90% (BFL-SE FRR)
Bajaj Finance Limited Floating Reference Rate for Salaried customers 20.90% (BFL-SAL FRR)

Besides interest rates, enjoy nominal fees and charges associated with this Joint Home Loan.



Check out the charges of part-prepayment:

Types of borrower Type of interest Time (In months) Part-prepayment charges
All borrowers Fixed interest rate More than 1 2% charge + taxes
Individual Floating interest rate More than 1 0
Non-individual Floating interest rate More than 1 2% charge + taxes

Check out the charges of loan foreclosure:

Types of borrower Type of interest Time (In months) Part-prepayment charges
All borrowers Fixed interest rate More than 1 4% charge + taxes
Individual Floating interest rate More than 1 0
Non-individual Floating interest rate More than 1 4% charge + taxes
Additional Fees Associated Charges Applicable
Loan statement charges Rs. 50
Processing fees (self-employed borrowers) Up to 1.20%
Processing fees (salaried borrowers) Up to 0.80%
EMI bounce rates Rs. 3,000
Mortgage orientation fee (non-refundable) Rs. 1,999
One time secure fee Rs. 9,999
Penalty charges 2% every month + applicable taxes
Principal & interest statement fees 0

Plan your repayments strategically with attractive fees and charges on Bajaj Finserv Joint Home Loan.


How to Apply for Joint Home Loan?

Apply for a Joint Home Loan easily via online or offline mode.

  • For the online method, visit our online application form page, fill in the details and submit. We offer doorstep document collection facility for your convenience.

  • For the offline method, contact us at 18002094151. Our representatives shall get back to you.

New customers can also visit our branches directly or SMS ‘HOME’ and send to 9773633633. Existing customers can visit us at: