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Types of home loans available in India

Bajaj Finserv offers customised home loan solutions for all your home financing needs, from purchasing a plot of land, to constructing your home, to renovating your home.

Some of the types of home loans offered by Bajaj Finserv in India are:

1) Home Loan Balance Transfer
Transfer your existing home loan to Bajaj Finserv with an easy home loan balance transfer. Get an attractive interest rate, top-up loan up to Rs. 50 lakh, and a repayment tenor of up to 20 years. Our easy eligibility criteria and minimal documentation requirements make applying for a home loan balance transfer quick and hassle-free.

2) Top Up Loan
Get a top up loan, over and above your home loan, up to Rs. 50 lakh. Use this amount for fulfilling any of your needs, from buying a new car, to decorating your home, to renovating your home, to sending your child abroad for higher education.

3) Pradhan Mantri Awas Yojana
Take a home loan from Bajaj Finserv under the Pradhan Mantri Awas Yojana and get a subsidy of up to 6.5% on the interest rate of your home loan. The subsidy you get depends on your annual income, and the square foot area of the home you wish to purchase. Designed to help every Indian own a home by 2020, the PMAY scheme is ideal for first-time borrowers.

4) Joint Home Loan
Take a home loan with your spouse, parent, or sibling, and get the benefits of an attractive interest rate, and someone to share the repayment of the loan with. A joint home loan lets you purchase property together with someone else, thus ensuring that the loan is more affordable for you.

5) Home Loan for Women
Get a home loan customised for women, with loan up to Rs. 3.5 crore, at a nominal interest rate. Home loan for women is designed to help more women in India own their own homes, and be independent houseowners.

6) Home Loan for Advocates
Designed for advocates, whether working in the employ of a firm, or owning their own practice, home loan for advocates help you own your dream home at an affordable home loan interest rate, with a long repayment tenor.

7) Home Loan for Bank Employees
If you are a salaried employee, working at a bank, choose a home loan for bank employees, which is customised to help you fulfil your dream of owning a home. Get loan up to Rs. 3.5 crore at a nominal interest rate, and a tenor of up to 20 years.

8) Home Loan for Government Employees
If you work for the government, a home loan for government employees will help you own a home by giving you a high loan amount, at an attractive rate of interest, and eligibility criteria that make it easy to apply.

9) Home Loan for Private Employees
If you are a salaried employee working at a private company, you can own a home with the help of a home loan for private employees. Get a high loan value of up to Rs. 3.5 crore at an attractive interest rate, and a Flexi Dropline facility that lets you pay just interest as EMIs for up to 4 years.

10) Home Construction Loan
Looking to construct your own home so that your home looks exactly the way you want it to? Choose a home construction loan by Bajaj Finserv, which is designed to help you meet the expenses of constructing a house. It comes with a top up loan of up to Rs. 50 lakh, to help you decorate and furnish your new home after construction is complete.

11) Loan for Land/Plot Purchase
Wish to purchase a plot of land, either as an investment, or to build your home on in the future? Choose a loan for land purchase, which will help you buy land/plot in the city of your choice, at a reasonable interest rate, making it a prime investment for you.


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