ಉನ್ನತ ವಿದ್ಯಾಭ್ಯಾಸಕ್ಕೆ ಆಸ್ತಿಯ ಮೇಲೆ ಲೋನ್

Pursuing higher education overseas is a significant investment. You may experience unexpected expenses like travel costs, fees for additional classes, daily living expenditures, housing rent and more. Our Loan Against Property takes care of these expenses rarely covered under an Education Loan. You can get a loan of Rs. 10.50 Crore* or higher against your residential or commercial property to fulfil your unplanned financial needs.

ಅಪ್ಲೈ
Visa and Flight

ವೀಸಾ ಮತ್ತು ವಿಮಾನಗಳು

Apart from college application fees, the cost of visa, insurance, and flight ticket add up to a substantial expense. A loan against property enables you to pay for alike costs, thanks to the no end-use restrictions.

Elective Courses

ELECTIVE COURSES

Education loans are likely to cover just the cost of tuition. But if your child wants to opt for an elective course for extra credits, you should not have to worry about the additional capital.

Living Expenses

ಜೀವನ ವೆಚ್ಚಗಳು

In addition to paying your rent, there are other overheads like groceries, transportation, phone bills, and internet. These can set you back by an enormous amount. These substantial costs are often not covered by an education loan and require additional finances.

Course Material

COURSE MATERIAL

You may require study materials, equipment, gadgets, special software, and similar supplies throughout your course. These expenses are typically unanticipated and can arise at any point. So, it is wise to arrange for additional loans to offer your child the finest education.

Emergency Fund

ತುರ್ತು ನಿಧಿ

It is critical to keep aside some money for unforeseen circumstances such as accidents or illnesses. While insurance can be beneficial in some instances, it does not always cover all expenses.

Features and benefits of our loan against property

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All you need to know about our Loan Against Property

Watch this video to know everything about our loan against property: Features and benefits, fees and charges, eligibility criteria, and more.

  • Loan amount

    Loan amount of Rs. 10.50 Crore*

    Manage your urgent financial needs with a sizeable loan amount of Rs. 10.50 Crore* sanctioned based on your mortgaged property.

  • Low interest rates

    ಕಡಿಮೆ ಬಡ್ಡಿ ದರಗಳು

    Our loan against property comes with affordable interest rates starting from 9% to 14% (Floating rate of Interest).

  • Disbursal in 72 hours*

    72 ಗಂಟೆಗಳಲ್ಲಿ ವಿತರಣೆ*

    Get money in your bank account within 72 hours* of the approval, in some cases, even earlier.

  • Tenure of up to

    15 ವರ್ಷಗಳವರೆಗಿನ ಅವಧಿ*

    You can repay your loan amount conveniently with a repayment tenure ranging up to 15 years*.

  • Multiple end-use options

    Multiple end-use options

    With no end-use restrictions, use the loan amount for an emergency or pay for wedding expenses, higher education or business expansion.

  • No foreclosure charges

    ಫೋರ್‌ಕ್ಲೋಸರ್ ಶುಲ್ಕಗಳಿಲ್ಲ

    An individual borrower who opts for a floating interest rate can pre-prepay a part or close the entire loan without an additional fee or a penalty.

  • Externally benchmarked interest rates

    Externally benchmarked interest rates

    Link your loan to an external benchmark such as the Repo Rate and benefit during favourable market trends.

  • *ನಿಯಮ ಮತ್ತು ಷರತ್ತುಗಳು ಅನ್ವಯವಾಗುತ್ತವೆ.

ಇನ್ನಷ್ಟು ತೋರಿಸಿ ಕಡಿಮೆ ತೋರಿಸಿ
EMI Calculator

ಆಸ್ತಿ ಮೇಲಿನ ಲೋನ್ ಇಎಂಐ ಕ್ಯಾಲ್ಕುಲೇಟರ್ 

Enter a few details and check your loan against property EMIs.

ಅರ್ಹತಾ ಮಾನದಂಡ ಮತ್ತು ಅಗತ್ಯವಿರುವ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳು

Anyone can apply for our loan against property as long as they meet the criteria mentioned below.

ಅರ್ಹತಾ ಮಾನದಂಡ

  • Nationality: You must be an Indian citizen residing in India with property in a city we operate in.
  • Age: The minimum age of the applicant must be 25 years* (18 years for non-financial property owners)
    * Age at the loan application of the individual applicant/Co-applicant.
    The maximum age of the applicant must be 70 years* (80 years for non-financial property owners)
    * Age at the loan maturity of the individual applicant/ Co-applicant.
  • CIBIL Score: A CIBIL Score of 700 or higher is ideal to get an approved loan against property.
  • Occupation: Salaried, self-employed professionals like doctors, and self-employed non-professionals are eligible to apply.

ಅಗತ್ಯವಿರುವ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳು:

  • Proof of identity/ residence
  • ಆದಾಯದ ಪುರಾವೆ
  • ಪ್ರಾಪರ್ಟಿ-ಸಂಬಂಧಿತ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳು
  • Proof of business (for self-employed applicants), and
  • Account statements for the last 6 months

Note: This is an indicative list that may change based on your actual loan application.

Eligibility Calculator

Check your loan against property eligibility

ನೀವು ಎಷ್ಟು ಲೋನ್ ಮೊತ್ತವನ್ನು ಪಡೆಯಬಹುದು ಎಂಬುದನ್ನು ಕಂಡುಕೊಳ್ಳಿ.

ಆಸ್ತಿ ಮೇಲಿನ ಲೋನಿಗೆ ಅಪ್ಲೈ ಮಾಡುವುದು ಹೇಗೆ

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Step-by-step guide to apply for a loan against property

  1. ಈ ಪುಟದಲ್ಲಿನ 'ಅಪ್ಲೈ ಮಾಡಿ' ಬಟನ್ ಮೇಲೆ ಕ್ಲಿಕ್ ಮಾಡಿ.
  2. Enter your pin code and click Proceed.
  3. Provide basic details like your full name and mobile number.
  4. Now select the type of loan that you wish to apply for, your net monthly income, your area pin code, and the required loan amount.
  5. Generate and submit your OTP to verify your phone number.
  6. Enter further details like your property location, your current EMI amount/ monthly obligation, and your PAN number.
  7. 'ಸಲ್ಲಿಸಿ' ಬಟನ್ ಮೇಲೆ ಕ್ಲಿಕ್ ಮಾಡಿ.

That is it! Your loan request is submitted. Our representative will connect with you and guide you through the next steps.

ಅನ್ವಯವಾಗುವ ಫೀಸ್ ಮತ್ತು ಶುಲ್ಕಗಳು

ಶುಲ್ಕದ ವಿಧ

ಅನ್ವಯವಾಗುವ ಶುಲ್ಕಗಳು

ಬಡ್ಡಿದರ

ವೇತನದಾರ

ಸ್ವಯಂ ಉದ್ಯೋಗಿ

ವೈದ್ಯರು

9% to 14% (Floating rate of Interest)

9% to 14% (Floating rate of Interest)

9% to 14% (Floating rate of Interest)

ಪ್ರಕ್ರಿಯಾ ಶುಲ್ಕಗಳು

ಲೋನ್ ಮೊತ್ತದ 3.54% ವರೆಗೆ (ಅನ್ವಯವಾಗುವ ತೆರಿಗೆಗಳನ್ನು ಒಳಗೊಂಡು)

ಡಾಕ್ಯುಮೆಂಟ್ ಪ್ರಕ್ರಿಯೆ ಶುಲ್ಕಗಳು

ರೂ. 2,360/- ವರೆಗೆ (ಅನ್ವಯವಾಗುವ ತೆರಿಗೆಗಳನ್ನು ಒಳಗೊಂಡು)
ಫ್ಲೆಕ್ಸಿ ಫೀಸ್ ಟರ್ಮ್ ಲೋನ್ - ಅನ್ವಯವಾಗುವುದಿಲ್ಲ
ಫ್ಲೆಕ್ಸಿ ವೇರಿಯಂಟ್ - ಅನ್ವಯವಾಗುವುದಿಲ್ಲ

ಮುಂಗಡ ಪಾವತಿ ಶುಲ್ಕಗಳು
  • Full Pre-payment
    Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment.
    Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
    Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

  • Part Pre-payment
    Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part Pre-Payment.
    ಫ್ಲೆಕ್ಸಿ ಟರ್ಮ್ ಲೋನ್ (ಫ್ಲೆಕ್ಸಿ ಡ್ರಾಪ್‌ಲೈನ್) ಮತ್ತು ಹೈಬ್ರಿಡ್ ಫ್ಲೆಕ್ಸಿಗೆ ಅನ್ವಯವಾಗುವುದಿಲ್ಲ

    Foreclosure charges/ pre-payment penalties are not applicable on any floating rate term loan sanctioned, for purposes other than business, to individual borrowers with or without co-applicant(s).

ವಾರ್ಷಿಕ ನಿರ್ವಹಣಾ ಶುಲ್ಕಗಳು

ಟರ್ಮ್ ಲೋನ್‌: ಅನ್ವಯಿಸುವುದಿಲ್ಲ

ಫ್ಲೆಕ್ಸಿ ಟರ್ಮ್ ಲೋನ್ (ಫ್ಲೆಕ್ಸಿ ಡ್ರಾಪ್‌ಲೈನ್): ಅನ್ವಯಿಸುವುದಿಲ್ಲ

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the Total Withdrawable Amount during Initial Loan Tenure. Not applicable for subsequent Loan Tenure.

ಬೌನ್ಸ್ ಶುಲ್ಕಗಳು

ರೂ. 1500 ಪ್ರತಿ ಬೌನ್ಸ್‌ಗೆ

ದಂಡದ ಬಡ್ಡಿ

ಮಾಸಿಕ ಕಂತು ಪಾವತಿಯಲ್ಲಿ ಯಾವುದೇ ವಿಳಂಬವು ಡೀಫಾಲ್ಟ್ ದಿನಾಂಕದಿಂದ ಮಾಸಿಕ ಕಂತು ಸ್ವೀಕರಿಸುವವರೆಗೆ ಬಾಕಿ ಉಳಿದ ಮಾಸಿಕ ಕಂತುಗಳ ಮೇಲೆ ಪ್ರತಿ ತಿಂಗಳಿಗೆ 3.50% ದರದಲ್ಲಿ ದಂಡದ ಬಡ್ಡಿಯನ್ನು ವಿಧಿಸಲಾಗುತ್ತದೆ.
ಸ್ಟಾಂಪ್ ಡ್ಯೂಟಿ ರಾಜ್ಯ ಕಾನೂನುಗಳ ಪ್ರಕಾರ ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ ಮತ್ತು ಲೋನ್ ಮೊತ್ತದಿಂದ ಮುಂಗಡವಾಗಿ ಕಡಿತಗೊಳಿಸಲಾಗುತ್ತದೆ
ಮ್ಯಾಂಡೇಟ್ ತಿರಸ್ಕೃತ ಶುಲ್ಕಗಳು ಹೊಸ ಮ್ಯಾಂಡೇಟ್ ನೋಂದಣಿಯಾಗುವವರೆಗೆ ಗ್ರಾಹಕರ ಬ್ಯಾಂಕ್ ಮ್ಯಾಂಡೇಟ್ ತಿರಸ್ಕರಿಸಿದ ಗಡುವು ದಿನಾಂಕದ ಮೊದಲ ತಿಂಗಳಿನಿಂದ ತಿಂಗಳಿಗೆ ರೂ. 450/
ಬ್ರೋಕನ್ ಪೀರಿಯಡ್ ಬಡ್ಡಿ/ ಇಎಂಐ-ಪೂರ್ವ ಬಡ್ಡಿ

"Broken Period Interest/ Pre-EMI Interest" shall mean the amount of interest on loan for the number of day(s) which is(are):

ಸನ್ನಿವೇಶ 1:: ಲೋನ್ ವಿತರಣೆಯ ದಿನಾಂಕದಿಂದ 30 (ಮೂವತ್ತು) ದಿನಗಳ ಅವಧಿಗಿಂತ ಮೇಲ್ಪಟ್ಟು

ಬ್ರೋಕನ್ ಪೀರಿಯಡ್ ಬಡ್ಡಿ/ ಪ್ರಿ-ಇಎಂಐ ಬಡ್ಡಿಯನ್ನು ಮರುಪಡೆಯುವ ವಿಧಾನ:
ಟರ್ಮ್ ಲೋನಿಗಾಗಿ: ವಿತರಣೆಯಿಂದ ಕಡಿತ
ಫ್ಲೆಕ್ಸಿ ಟರ್ಮ್ ಲೋನಿಗೆ: ಮೊದಲ ಕಂತು ಮೊತ್ತಕ್ಕೆ ಸೇರಿಸಲಾಗುತ್ತದೆ
ಹೈಬ್ರಿಡ್ ಫ್ಲೆಕ್ಸಿ ಲೋನಿಗೆ: ಮೊದಲ ಕಂತು ಮೊತ್ತಕ್ಕೆ ಸೇರಿಸಲಾಗುತ್ತದೆ

ಸನ್ನಿವೇಶ 2: ಲೋನ್ ವಿತರಣೆಯ ದಿನಾಂಕದಿಂದ 30 (ಮೂವತ್ತು) ದಿನಗಳಿಗಿಂತ ಕಡಿಮೆಗೆ, ಮೊದಲ ಕಂತಿನ ಮೇಲಿನ ಬಡ್ಡಿಯನ್ನು ನೈಜ ದಿನಗಳಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ
ಅಡಮಾನ ಮೂಲ ಶುಲ್ಕಗಳು ರೂ. 3000/-
ಆಸ್ತಿ ಒಳನೋಟ (ಪಡೆದಿದ್ದರೆ)
 ರೂ. 6999/- (ಅನ್ವಯವಾಗುವ ತೆರಿಗೆಗಳನ್ನು ಒಳಗೊಂಡು)

ಆಗಾಗ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು

Who can get a loan against property?

Any salaried or self-employed individual can apply for a Loan Against Property with Bajaj Finserv as long as you meet our eligibility criteria. Your age, employment status and city of residence are other key criteria.

Am I eligible for a loan against property?

If you are a salaried Indian citizen residing in India, between the age group of 25 years to 70 years, or a 25 years to 70 years old self-employed Indian, you are eligible. Other factors like your income profile, your CIBIL Score, etc. are also considered when you apply for a Loan Against Property.

*ನಿಯಮ ಮತ್ತು ಷರತ್ತುಗಳು ಅನ್ವಯವಾಗುತ್ತವೆ

How much loan will I get against my property?

Loan Against Property is a secured loan in which you mortgage your property to a lender in exchange for a substantial sanction to cover your expenses. Several factors influence the final loan amount, including the individual's profile and repayment capacity, the property's market valuation, and the lender's loan to value ratio.

What is the maximum repayment tenure for a loan against property?

You can repay the total sum borrowed over a convenient repayment tenure of up to 15 years*.

What should be my CIBIL Score if I want to apply for a loan against property?

The CIBIL Score is an important indicator of your creditworthiness. To get a loan against property, it is preferable to maintain a CIBIL Score of 700 or higher.

ಇನ್ನಷ್ಟು ತೋರಿಸಿ ಕಡಿಮೆ ತೋರಿಸಿ