Loan Against Property, Avail Property Loan of Rs.5 Crore

Attractive interest rate

Starting from 8.35%*, Bajaj Finserv offers applicants an affordable funding options that leaves their savings untouched.
Money in your bank in 72 hours*

Simple Loan Against Property eligibility criteria, minimal documentation and doorstep service makes the loan application process a hassle-free one. Bajaj Finserv offers the loan in just 72 hours*.
High-value property loan of Rs. 5 Crore

Bajaj Finserv gives you access to a higher loan amount at affordable Loan Against Property interest rates. Bajaj Finserv provides loan amounts as much as Rs. 5 crore* and even more to eligible salaried and self-employed applicants to boost their spending desires.
External benchmark linked loans

By opting for the Bajaj Finserv Loan Against Property linked to an external benchmark, applicants can enjoy reduced EMIs when the market conditions are favourable.
Online account management

Access your loan details anytime and anywhere via customer portal - Experia.
18 years to repay your loan

The Bajaj Finserv Loan Against Property tenor stretches up to 18 years allowing borrowers a buffer period to plan out their EMI payments, and service their debt with ease. Choose a convenient tenor ranging up to 240 months.
Easy eligibility with minimal documentation

Meet our easy loan against property eligibility criteria for quick approval and faster processing.
No prepayment and foreclosure charge

Bajaj Finserv allows individuals with a floating interest rate to foreclose the loan or make part-prepayments at no extra costs or prepayment penalty – making way for maximum savings, provided the loan amount is not used for business expansion purposes.
Easy balance transfer with top-up loan

Transfer your existing loan to Bajaj Finserv as part of our loan against property balance transfer facility and avail a top-up loan without additional documentation.
Flexi facility

Get unlimited part-payment and withdrawal along with the option to pay just interest as EMIs for the initial tenor.

A loan against property from Bajaj Finserv enables you to do it all. Bajaj Finserv offers customized property loans to salaried and self-employed individuals. Financing your child’s education, managing your wedding expenses, expanding your business, or even handling unforeseen medical expenses.

Bajaj Finserv offers loan against property, a secured loan to meet different financial needs, ranging from weddings, planned or unplanned medical needs, or your child’s education. You can finance all these expenses easily with a loan against property and benefit from a high-value loan with nominal interest rates.

Loan against property eligibility criteria are easy to meet with doorstep services, making the process comfortable and hassle free. Get the funds in your account within 72* hours of approval and repay over a comfortable tenor as chosen by you, that ranges up to 18 years.

With tools such as the Loan Against Property Eligibility Calculator and the Loan Against Property EMI Calculator, you can now make an informed decision while availing of a mortgage loan.

Documents** required for loan against property for self-employed individuals

Primary bank account statements of the previous 6 months
PAN card/ Form 60 of all applicants
Address proof
ID proof
Income documents like ITR/ financial statements, etc.
Documents of the property to be mortgaged
Title documents

**Please note that the list of documents here is indicative. During loan processing additional documents may be required.

Loan Against Property Interest Rate (Floating)
Benchmark Rate (BR)	Employment Type	Effective ROI (p.a.)
Salaried Floating Reference Rate	Salaried	8.25%* to 15.00%*
Self-Employed Floating Reference Rate	Self-Employed	8.50%* to 18.00%*

Here is a detailed guide on applying for a loan against property from Bajaj Finserv.

1 Click on our application form to apply online
2 Enter your personal and property details
3 Enter your income details for the best offer

Our relationship manager will call and guide you on the next steps once you submit your details.

Loan Against Property FAQs

A loan against property is a secured loan availed against a commercial or residential property kept as collateral with the lender. As the funds come with no end usage restriction, borrowers can utilise the funds for various purposes such as business expansion, wedding, child’s education, etc.

Check out these features of a loan against property from Bajaj Finserv

LTV of the property loan is 75% – 90% of the current market value of the mortgaged property
Comes with flexible repayment tenor up to 20 years
Funds up to Rs. 5 Crore are available
Simple and easy-to-meet eligibility criteria

Know property loan tax benefits and how to get a property loan in details before applying for one.

Bajaj Finserv offers loans against property that come with a host of features and benefits, including:

Affordable high value loan
Disbursal in 72 hours*
Easy eligibility
Flexible tenor
Easy balance transfer facility
Doorstep service

Complete the application form online and get your loan against property without any hassle.

The following parameters are taken into consideration for the eligibility:

Age
Income
Property value
Existing debt obligations if any
Continuity/ stability of business/ employment
Credit history

Yes, there must be an insurance policy for the property against which the loan is being availed for the entire tenor of the loan. The documents for the proof need to be provided to Bajaj Finserv, whenever required.

Yes, in which case the co-owners will also be marked as co-applicants of the loan.

A loan against property is a convenient option to finance all high-end expenditures for business or personal purposes. You can mortgage various loan against property types as collateral to avail funds of Rs. 5 Crore.

Following are some of the collateral variants lenders consider with their mortgage loan product types:

Self-occupied residential property, including house, apartment, flat, etc
Rented residential properties are also accepted as Property Loan types
Commercial property such as an office building, shops, malls, complexes, etc
A plot of land under your ownership is accepted as one of the Home Mortgage Loan types

Check out the types of mortgage loan from Bajaj Finserv and apply for an appropriate one.

A loan against property from Bajaj Finserv comes with a host of features and benefits including prepayment facility. If you think what home mortgage loan prepayment is, well, it signifies paying off a certain part of the principal amount over and above the EMIs.

To part prepay, pay an amount that is equal to or more than 1 EMI. Complete the process at zero or nominal prepayment charges.

Benefits of prepayment