Ganesh Chaturthi, one of India’s most cherished festivals, is a time of joy, devotion, and celebration. Families come together to welcome Lord Ganesha into their homes with grandeur, symbolising prosperity and new beginnings. However, the costs of decorations, celebrations, and home renovations can often stretch budgets. This is where Bajaj Finserv Loan Against Property can be your trusted financial solution, offering ample funds to make your Ganesh Chaturthi celebrations truly memorable. With large loan amounts, competitive interest rates, and flexible repayment options, this financial tool ensures that you can celebrate without financial stress. Read on to know how this product can help you meet your festive needs and more.
Mortgage loan deals for Ganesh Chaturthi 2025
Ganesh Chaturthi is not just a festival; it is an opportunity to make lasting memories with loved ones. Bajaj Finserv Loan Against Property offers exclusive festive deals to help you celebrate without compromise. Whether you are planning an elaborate puja or renovating your home to welcome guests, this loan is designed to provide financial flexibility.
Key features of Bajaj Finserv Loan Against Property:
- High loan amounts: Borrow up to Rs. 10.50 crore, depending on your property’s valuation.
- Attractive interest rates: Enjoy loan against property interest rates starting as low as 9%* p.a., making repayment affordable.
- Quick disbursal: Funds are disbursed within 72 hours* of approval, ensuring you have the money when you need it.
- No end-use restrictions: Use the loan for any purpose—be it home renovations, festive expenses, or even business growth.
- Flexible repayment tenure: Choose repayment terms of up to 15 years, making it easier to manage your finances over time.
How can mortgage loans add value to your property?
Home renovations during Ganesh Chaturthi not only enhance the festive spirit but also increase the value of your property. A well-maintained and upgraded home is more appealing and can fetch a higher resale value in the future.
Here are some ways you can use a mortgage loan for home renovations:
- Kitchen upgrades: Modernise your kitchen with modular designs to make cooking festive delicacies a breeze.
- Living space enhancements: Create an inviting space for puja ceremonies and family gatherings.
- Interior design improvements: Redecorate with vibrant colours, new furniture, or festive lighting to make your home look festive-ready.
- Guest room renovations: Offer your guests a comfortable stay by upgrading guest spaces.
With Bajaj Finserv Loan Against Property, get interest-only EMIs during the initial tenure to reduce your financial burden while completing your renovations.
Benefits of availing a mortgage loan during Ganesh Chaturthi
Opting for a mortgage loan during Ganesh Chaturthi comes with several advantages, especially when you choose a Bajaj Finserv Loan Against Property.
- Attractive interest rates: Rates starting at just 9%* p.a. make it an affordable borrowing option.
- High loan amounts: Access up to Rs. 10.50 crore for your festive needs.
- Flexible repayment options: Tenures of up to 15 years allow you to plan your repayments comfortably.
- Quick disbursal: Receive funds within 72 hours* of approval.
- Minimal paperwork: Simplified documentation ensures a hassle-free process.
- Transparent charges: Enjoy a loan with no hidden fees or charges.
- Ownership retention: Leverage your property without losing ownership rights.
These features make Bajaj Finserv Loan Against Property an ideal financial solution for your Ganesh Chaturthi plans.
How to use a mortgage loan for festive home makeovers
Ganesh Chaturthi is the perfect time to give your home a makeover. With the funds from a mortgage loan, you can:
- Renovate interiors: Add festive decor, repaint walls, or invest in new furniture to create a welcoming atmosphere.
- Landscaping: Beautify outdoor spaces for hosting puja ceremonies or family gatherings.
- Expand living areas: Build additional rooms or extend existing spaces to accommodate guests.
Additionally, Bajaj Finance offers a Flexi Hybrid Loan, which allows you to pay interest-only EMIs during the initial period. This feature gives you the financial flexibility to focus on your renovations without worrying about immediate repayment. Get access to large funds with the flexibility to part-prepay your Flexi Loan at no extra cost.
How to apply for a Bajaj Finserv Loan Against Property?
Applying for a Bajaj Finserv Loan Against Property is quick and simple. Follow these steps:
- Click on “APPLY” button on a loan against property page.
- Enter your 10-digit mobile number and OTP.
- Fill in the application form with your Personal Details, Business/Employment/Professional details, Property details and proceed.
- Enter your loan amount that you need, choose from our three loan variants- Flexi term loan, Flexi Hybrid Term Loan, and Term loan.
- Choose the repayment tenure - You can select tenure option of 12 month to 180 month and click on proceed.
Eligibility criteria and documents required
Eligibility criteria
-Nationality: You must be an Indian citizen residing in India with property in a city we operate in.
-Age: Minimum age: 25 years (18 years for non-financial property owners)
-Maximum age: 85 years (including non-financial property owners)
*Age of the individual applicant/ co-applicant at the time of loan maturity.
*Higher age of co-applicant may be considered up to 95 years basis 2nd generation (legal heir) meeting age norms and to be taken as co-applicant on loan structure.
-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.
Documents required
- Proof of identity/ residence - Aadhaar/ passport/ voter’s ID/ driving license/ letter from NPR/ NREGA job card
- If your current address is not the same as the OVD document provided, please share any of the listed DOVD documents. Click here to view the documents.
- Proof of income
- Property-related documents
- Proof of business (for self-employed applicants), and
- Account statements for the last 6 months
Conclusion
Ganesh Chaturthi is a time to celebrate, rejuvenate, and create cherished memories. With Bajaj Finserv Loan Against Property, you can ensure that your celebrations are grand without straining your finances. From funding home renovations to managing festive expenses, this loan provides the flexibility and financial support you need. With features like quick disbursal, high loan amounts, and competitive interest rates, Bajaj Finance is your ideal partner for turning your property into a powerful financial resource.
Celebrate Ganesh Chaturthi without financial worries— get loan of up to Rs. 10.50 Crore* against your property within 72 hours* of the approval.
