बजाज हाउसिंग फाइनेंस होम लोन

Purchase your dream apartment or bungalow with a Bajaj Housing Finance Home Loan, available on Bajaj Markets. Borrow up to 15 Crores at interest rates starting from  7.25% p.a. , with repayment tenures of up to 32 Years. You can also opt for a top-up loan if required.

Below are the current Bajaj Housing Finance Home Loan interest rate details and applicable charges for this loan:

* अस्वीकरण:उल्लिखित विवरण लोनदाताओं निर्णय पर परिवर्तन के अधीन हैं।

बजाज हाउसिंग फाइनेंस होम लोन से संबंधित कुछ अतिरिक्त शुल्क यहां दिए गए हैंः

*Disclaimer: The mentioned rates are subject to change at the lender’s discretion.

Understanding the Bajaj Housing Finance Home Loan eligibility requirements helps you prepare your application and improve your chances of approval.

Make sure you meet the following basic criteria before applying:

एलिजिबिलिटी क्राइटेरिया की पूरी लिस्ट पाने के लिए, बजाज हाउसिंग फाइनेंस से संपर्क करें। जांचें लोन के लिए आवेदन करने से पहले आवश्यकताओं को अच्छी तरह से देखें।

बजाज हाउसिंग फाइनेंस होम लोन के लिए आवेदन करते समय, आपको कुछ दस्तावेज़ जमा करने होंगे। इन्हें पहले से तैयार रखने से आवेदन प्रक्रिया को तेज करने में मदद मिल सकती है।

• वेतनभोगी आवेदक

1. एड्रेस प्रूफ जैसे आधार कार्ड/पासपोर्ट/ड्राइविंग लाइसेंस
2. पहचान प्रमाण जैसे पैन कार्ड
3. फॉर्म 16 या आपकी आखिरी सैलरी स्लिप
4. पिछले तीन महीनों के लिए बैंक स्टेटमेंट

• स्व-नियोजित आवेदक

1. एड्रेस प्रूफ जैसे आधार कार्ड/पासपोर्ट/ड्राइविंग लाइसेंस
2. पहचान प्रमाण जैसे पैन कार्ड
3. पिछले छह महीनों के लिए बैंक खाता स्टेटमेंट
4. आई.टी.आर पिछले 2 वित्तीय वर्षों के लिए
5. बिजनेस विंटेज प्रूफ जैसे सर्टिफिकेट ऑफ इनकॉर्पोरेशन, शॉप एक्ट आदि

Bajaj Housing Finance offers solutions for purchasing a property, transferring an existing loan, or accessing additional funds. 

Below is a quick overview of the available options:

• Home Loan

You can apply online for a Bajaj Housing Finance Home Loan to purchase your dream home. Once your documents are submitted and approved, the loan can be disbursed within 48 hours.

• Home Loan Balance Transfer

If you have an existing home loan with another bank, you can transfer it to Bajaj Housing Finance through the Home Loan Balance Transfer facility. Enjoy competitive interest rates starting at 7.30% p.a. along with additional benefits.

• Loan Against Property

A Loan Against Property is a secured loan that allows you to use your residential or commercial property as collateral. You can secure a high loan amount with interest rates starting from 8.50% p.a., and repayment tenures of up to 18 Years.

• Home Loans for Resale Flats

A resale flat is a pre-owned property, usually ready to move in, offering benefits like immediate possession and established amenities. Bajaj Housing Finance provides home loans for resale flats with similar interest rates and tenures as new properties.

बजाज मार्केट्स के माध्यम से ऑनलाइन होम लोन के लिए आवेदन करने के लिए, इन सरल चरणों का पालन करेंः

1. इस पेज पर ऑफ़र चेक करें विकल्प पर क्लिक करें
   

2. अपनी व्यक्तिगत, पेशेवर और वित्तीय जानकारी दर्ज करें
   

3. लोनदाताओं की सूची से बजाज हाउसिंग फाइनेंस चुनें
   

4. अपनी पसंदीदा लोन राशि और अवधि चुनें
   

5. ऑनलाइन आवेदन पत्र सबमिट करें

सुनिश्चित करें कि ऑफ़र स्वीकार करने से पहले आपको { लोन } से जुड़े सभी शुल्कों के बारे में अच्छी तरह से पता है.

Here is how you can track the progress of your Bajaj Housing Finance Home Loan application:

• Online via the Customer Portal
  

1. Visit the Bajaj Housing Finance website
2. Click Login (desktop) or the person icon (mobile)
3. Select Customer from the dropdown menu
4. Choose Track Your Application from the menu
5. Enter your registered mobile number or Loan Account Number (LAN)
6. Provide your Date of Birth or PAN
7. Click Submit to view your loan status
   

• Online via the Mobile App
  

1. Download the Bajaj Housing Finance app from the Play Store or App Store
2. Install and open the app
3. Tap on Track Your Application
4. Enter your mobile number or LAN
5. Provide your Date of Birth or PAN
6. Tap Submit to view your loan status
   

• Offline through Phone or Email
  

1. Call 022 4529 7300 for updates
2. You can also email bhflwecare@bajajhousing.co.in, requesting your loan status
3. Expect a representative to contact you within 24 hours of applying

Once your loan is approved and documents are verified, a sanction letter is issued. The funds are usually disbursed within 48 hours. Keep your registered mobile number or Loan Account Number (LAN) and either your Date of Birth or PAN ready when tracking your loan application.

Repaying a home loan involves clearing the outstanding balance through regular EMIs or settling it in full before the tenure ends. While the lender determines the repayment schedule, borrowers can choose an option best suited to their financial situation.

• Prepayment

You can choose to repay part or all of your loan ahead of schedule. For individual borrowers with floating interest rate loans, prepayment or foreclosure charges are not applicable. However, fixed-rate loans may attract nominal fees

• Lump-Sum Repayment

This option enables you to settle the entire outstanding loan amount in a single payment after full disbursement. Until then, you are required to pay only interest (pre-EMIs) on the disbursed portion.

• EMI Holiday

Some lenders offer a short grace period after loan disbursal during which no EMI payments are required. This allows borrowers a few months before the first instalment is deducted.

• Step-Up Repayment

In this plan, EMIs are lower in the initial years and gradually increase over time. It is ideal for individuals at the start of their careers who anticipate a steady rise in income in the future.

• Step-Down Repayment

This structure features higher EMIs at the beginning, which reduce as the tenure progresses. It is well-suited for borrowers with strong current earnings but expected lower income in the later years, such as those nearing retirement.

• Balloon Repayment

Similar to a lump-sum repayment, but with a key difference — the final instalment is substantially larger than the earlier ones. This option is often preferred for shorter loan tenures.