Bajaj Housing Finance Home Loan Balance Transfer

Enjoy tenures of up to 30 Years and get additional funding with a top-up loan if required. Also, you can get a top-up loan to meet your extra requirements. On Bajaj Markets, you can conveniently manage your loan online.

Looking to reduce your home loan burden? Transferring your existing loan to Bajaj Housing Finance can help you save on interest and manage your finances better. With competitive rates and flexible terms, this could be the perfect opportunity to lower your monthly payments and achieve your financial goals faster.

Bajaj Housing Finance offers competitive interest rates on home loan balance transfers tailored for salaried and self-employed individuals.

Here are the applicable interest rates:

In addition to interest rates, Bajaj Housing Finance levies certain charges associated with the balance transfer process.

Here are some common fees and charges:

Before applying, it is necessary to understand the Bajaj Housing Finance home loan balance transfer eligibility criteria. Meeting these requirements ensures a smoother transfer process and increases the likelihood of approval.

• You need to be an Indian citizen
  

• Your age should be between 23 and 65 years
  

• You should have paid a minimum of 12 EMIs to your current lender
  

• There should be no pending dues with your present lender
  

• You must be a salaried or self-employed individual with a stable income
  

• The property should be self-occupied, rented, or ready for possession

To apply for a home loan balance transfer with Bajaj Housing Finance, you will need to submit the following documents:

• Proof of Identity and Address: Aadhaar Card, Voter ID, Passport, etc., are required for KYC

• Income Proof for Salaried individuals: Latest salary slips or Form 16

• Income Proof for Self-employed individuals: Last 2 years' Income Tax Returns (ITR) and audited Profit & Loss statement

• Business Proof: It is applicable only for the self-employed – show at least 5 years of business continuity

• PAN Card or Form 60 is mandatory

• Recent passport-sized photographs

• Bank statements for the past 6 months

• Property documents

To apply for this balance transfer facility on Bajaj Markets, follow these simple steps:

1. Click on the ‘Check Offer’ option on this page

2. Enter your personal, professional, and financial information

3. Select ‘Bajaj Housing Finance’ from the list of lenders

4. Choose your preferred loan amount and tenure

5. Submit the online application form

Following this, a representative will reach out to you for further proceedings.

You can easily track your home loan balance transfer with Bajaj Housing Finance using these methods:

• Customer Care: Reach out to their customer care at 02245297300. The support team can provide updates and answer any questions regarding your application.

• Via Email: Send an email to bhflwecare@bajajhousing.co.in with your loan details. You will receive information about your application status and any further steps required.

• Branch Visit: Visit the nearest Bajaj Housing Finance branch for assistance. Staff can help you check the status of your transfer and provide guidance on any pending documentation.

You can easily download your Home Loan Balance Transfer statement online. Follow these steps:

1. Visit the Bajaj Housing Finance website

2. Click ‘Login’ on the top-right, select ‘Customer’, and then click ‘Login’

3. Enter your registered mobile number or email ID

4. Log in using the OTP sent to your mobile or email, or use your Customer ID and password

5. Click ‘Confirm’ to access your account

6. Once logged in, you can view or download your Home Loan statement directly from your desktop or mobile device

Bajaj Housing Finance offers flexible repayment options to help you manage your EMIs efficiently and save on interest.

• Flexible Repayment Tenure: 

Choose a long repayment period of up to 30 years to lower your EMI and spread payments comfortably over time.

• Part-Prepayment and Foreclosure Facility:

For floating interest rate loans, you can make part-payments on the loan before the tenure ends without extra charges.