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Bajaj Housing Finance Home Loan Balance Transfer

To lower your home loan costs, transfer it to Bajaj Housing Finance via Bajaj Markets. Enjoy interest rates from 7.60% p.a., loans up to ₹15 Crores, and tenures up to 30 years.

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 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.

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Your Home Loan Balance Transfer EMI
₹ 1,217,578
Total Interest Amount

₹ 142,218,795

Principal Amount

₹ 15,00,00,000

Total Payable Amount

₹ 3

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min value reached
Max value reached
Check Offer

You can also make instant comparisons between loan offers from multiple providers on Bajaj Markets.

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Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

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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 Home Loan Balance Transfer Interest Rates and Charges

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:

Types of Charges

Details

Home Loan Balance Transfer

7.60% p.a.

Processing Fee

0.50% of the loan amount + GST

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

Other Fees and Charges of Bajaj Housing Finance HLBT

In addition to interest rates, Bajaj Housing Finance levies certain charges associated with the balance transfer process. Here are some common fees and charges:

Fee Type

Applicable Charges

Loan Statement Charges

NIL

Interest & Principal Statement

NIL

EMI Bounce Charges

Up to ₹10,000 (varies by loan amount)

Part-prepayment Charges

Non-business loans: NIL
Business and Fixed-rate loans:

  • Term Loan: 2% on part-prepayment amount
  • Flexi Term Loan: NIL

Full prepayment Charges

Non-business loans: NIL
Business and Fixed-rate loans:

  • Term Loan: 4% on principal outstanding
  • Flexi Term Loan: 4% on the sanctioned amount

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

Features and Benefits of a BHFL Home Loan Balance Transfer

Low Interest Rates

Benefit from interest rates starting from 7.60% p.a., helping you lower your overall loan cost.

Flexible Repayment

Similar to a refinance option, you can choose to repay the loan over extended loan tenures of up to 30 years with a balance transfer.

Loan Top-up Facility

Get a top-up loan to meet additional expenses with minimal documentation.

Online Account Management

You can access the details of your Home Loan with Bajaj Housing Finance anytime on Bajaj Markets

Minimal Documentation

Bajaj Housing Finance keeps paperwork simple, making it quicker and easier to apply for your home loan.
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Eligibility Criteria for a Bajaj Housing Finance Home Loan Balance Transfer

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

Documents Required for a Bajaj Housing Finance Home Loan Balance Transfer

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

How to Apply for Bajaj Housing Finance Home Loan Balance Transfer on Bajaj Markets

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.

How to Check Bajaj Housing Finance Home Loan Balance Transfer Status

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.

How to Download Bajaj Housing Finance Home Loan Balance Transfer Statement

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 Home Loan Balance Transfer Repayment Options

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.

Related Links

Bajaj Housing Finance Home Loan EMI Calculator

Bajaj Housing Finance Loan Against Property 

Bajaj Housing Finance Home Loan

Bajaj Housing Finance Customer Care

Bajaj Finance Home Loan Statement

  

Other Home Loan Balance Transfer Provider

LIC Housing Finance Home Loan Balance Transfer

ICICI Bank Home Loan Balance Transfer

Truhome Finance Home Loan Balance Transfer

Sammaan Capital Home Loan Balance Transfer

Kotak Mahindra Bank Home Loan Balance Transfer

Vridhi Home Finance Home Loan Balance Transfer

Shubham Housing Finance Home Loan Balance Transfer

PNB Housing Finance Home Loan Balance Transfer

L&T Finance Home Loan Balance Transfer

Frequently Asked Questions

What is the maximum tenure for getting a Bajaj HFL home loan balance transfer?

The maximum tenure offered is up to 30 years. The final tenure depends on factors such as age, income, and eligibility.

Yes, you can get a top-up loan after successfully transferring the home loan balance to Bajaj Housing Finance.

Yes, you can transfer your Bajaj Housing Finance home loan to another financial institution through the home loan balance transfer facility. This option could help in securing lower interest rates, reduced EMIs, or better loan terms.

To transfer your home loan, you need to check your eligibility and apply with a new lender offering more favourable terms.

Yes, you can apply for another loan if you meet the lender’s income and eligibility criteria.

The transfer can be completed within 48 hours once all documents are submitted and verified.

Yes, you can transfer a home loan to another lender even if there is a co-applicant. Both the primary applicant and co-applicant must be included in the transfer process, and the lender will verify their details before approving the application.

A balance transfer may cause a small temporary dip due to a hard inquiry, but timely repayments keep your credit score healthy.

Yes, you can transfer it. The process may require additional documents and verification, with flexible repayment options during construction.

Yes, NRIs can transfer their home loan by submitting the required documents.

Yes, Bajaj Housing Finance may re-evaluate the property to determine its current market value. This assessment is completed before approving your balance transfer application.

Tax benefits remain intact after a home loan balance transfer, as ownership and the purpose of the loan do not change.

If your balance transfer application to Bajaj Housing Finance is rejected, first identify the reason for rejection. Address the issues and then reapply to improve your chances of approval.

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