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Mortgage Loan Interest Rates & Charges

Mortgage Loan Interest Rates & Charges

Charges for Mortgage Loan from Bajaj Finserv are as follows

Charges

Salaried

Self-employed

Interest rate
9.50%*
9.95%*
Processing fee
Up to 1% of the Loan Amount
Up to 2% of the Loan Amount
EMI bounce charges
Rs.3,000
Rs.1,000
Penal interest
2% per month
2% per month
Mortgage origination fee
Rs.4,999/- (one-time)
Rs.4,999/- (one-time)
Commitment fee
-
50% of processing fee
Annual maintenance fee
Flexi Loan < Rs.40 lakh - Rs.4,999/- Flexi Loan > Rs.40 lakh – Rs.9,999/- Term Loan - nil
Flexi Loan – 0.25% of the loan amount Term Loan – 0.25% of the loan amount

*Government charges as applicable.

Mortgage Loan Foreclosure charges

Borrower Type

Time Period

Foreclosure Charges

All borrowers
More than 1 month from the date of disbursal
• 4% plus applicable charges at fixed interest rates
• Nil at floating interest rates

Foreclosure charges for term loan will be applicable on the current outstanding principal.

*Foreclosure charges for Flexi loans will also be calculated on the current outstanding principal.

Mortgage Loan Part-prepayment charges

Borrower Type

Time Period

Part-prepayment Charges

All borrowers
More than 1 month from the date of disbursal
• 2% plus applicable charges Term Loans
• Nil on Flexi Loans

*Part-prepayment made should be more than 1 EMI.

The full or part-prepayment can be made only after clearance of first EMI.

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