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Mortgage Loan Interest Rates & Charges

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Mortgage Loan Interest Rates and Charges

Charges for Bajaj Finserv Mortgage Loan 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
Rs. 4999/- for Flexi Loan < Rs. 40 Lakh
Rs. 9999/- for Flexi Loan > Rs. 40 Lakh
Nil for Term Loan
0.25% of loan amount for Flexi Loan
0.25% of loan amount for Term Loan

*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 pre-payment charges

 

Borrower Type

Time Period

Part-prepayment Charges

All borrowers
More than 1 month from the date of disbursal
• 2% plus applicable charges at fixed interest rates
• Nil at floating interest rates

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