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Home Loan for Chartered Accountants

Explore home loans for CAs, including eligibility, application procedure, and funding of up to ₹15 Crores with interest rates starting from 7.45% p.a.

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Max. Tenure 32 Years
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Lending Partners 10+
Max. Amount ₹15 Crores

Owning your own home is a significant milestone, but purchasing one is a major financial decision. Relying only on your savings can strain your budget. 

As a Chartered Accountant, your expertise can allow you to access exclusive home loan benefits. By leveraging a home loan effectively, you can manage your cash flow better and achieve your dream of owning a property without compromising your financial stability.

Several banks in India offer home loans for Chartered Accountants. Enjoy benefits like low housing loan interest rates, minimal processing fees, and more, helping you achieve homeownership efficiently.

Features and Benefits of Home Loans for Chartered Accountants

Some lenders offer customised home loan options with preferential terms for Chartered Accountants, considering the stable income and professional status. This loan can help you make your dream of owning a home a reality. The loan comes with an array of benefits, including: 

  • Access to pre-approved offers

  • Quick processing and disbursal

  • Simple and straightforward application and confirmation process

  • Flexible repayment options

  • Availability of top-up house loans

  • Transparent pricing with minimal hidden charges and processing fees

Some of the Top Home Loan Options for Chartered Accountants

Since a home loan is generally a long-term commitment, it is essential that you select a loan option that meets your requirements and financial capabilities. Given below are some of the options available on Bajaj Markets from various lenders:

Available Offerings Starting Interest Rate Maximum Tenure Maximum Loan Amount

Bajaj Housing Finance Home Loan

7.45% p.a.

32 years

₹15 Crores

PNB Housing Finance Home Loan

8.50% p.a.

30 years

₹15 Crores

L&T Finance Home Loan

8.60% p.a.

25 years

₹7.5 Crores

LIC Housing Finance Home Loan

8.65% p.a.

30 years

₹15 Crores

Sammaan Capital Home Loan

8.75% p.a.

30 years

₹5 Crores

HFFC Home Loan

9.00% p.a.

20 years

₹35 Lakhs

ICICI Bank Home Loan

9.00% p.a.

30 years

₹5 Crores

Shubham Housing Finance Home Loan

9.90% p.a.

25 years

₹50 Lakhs

Easy Home Finance Home Loan

10.50% p.a.

20 years

₹50 Lakhs

Truhome Finance Home Loan

11.50% p.a.

25 years

₹1 Crore

Vridhi Home Finance Home Loan

12.00% p.a.

12 years

₹25 Lakhs

India Shelter Home Loan

13.00% p.a.

20 years

₹40 Lakhs

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



Home Loan EMI Calculator for Chartered Accountants

Use an EMI calculator to estimate your monthly repayments, total interest, and loan tenure for your home loan. It helps you plan your finances and manage your budget effectively.

Your Home Loan EMI
₹ 8,025
Total Interest Amount

₹ 926,093

Principal Amount

₹ 10,00,000

Total Payable Amount

₹ 19,26,093

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
- +
Min value reached
Max value reached

You can quickly compare and assess various tenures, interest rates, and loan amounts of different lenders for home loans on Bajaj Markets.

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Each calculation also provides a free amortisation schedule, helping you understand your repayment structure and instalments clearly.

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Eligibility Criteria for Chartered Accountants Home Loan

To define your repayment capability, the lender has some criteria. The following qualifying conditions must be met for the loan for approval:

  • An active Certificate of Practice must be held for a minimum of 3 years.

  • You should be between 23 and 67 years of age

  • A CIBIL score of preferably 750 and above

Documents Required for Chartered Accountant Home Loans

When applying for a home loan for Chartered Accountants, you need to submit the following documents:

Document Type Details

Proof of Identity

  • Aadhaar Card

  • Voter ID Card

  • PAN Card

  • Passport

  • Driving Licence

Proof of Residence

  • Aadhaar Card

  • Voter ID Card

  • Bank Passbook

  • Ration Card

  • Passport

  • Utility bills (telephone bill, electricity bill, water bill, gas bill)

  • Insurance Policy Receipt

  • Letter from a recognised public authority verifying the applicant’s address

Proof of Age

  • Aadhaar Card

  • PAN Card

  • Passport

  • Birth Certificate

  • Class 10th Marksheet

  • Bank Passbook

  • Driving Licence

Proof of Income

  • Form 16

  • Last 3 months’ salary slips

  • Bank statements for the previous six months

  • ITR copies of the previous 2 years

Professional / Practice Proof and Certifications

  • Chartered Accountant Qualification Certificate (CA Final Pass Certificate)

  • Certificate of Practice (COP) issued by ICAI

How to Apply for a Home Loan as a Chartered Accountant

Applying for a Chartered Accountant home loan through Bajaj Markets is quick and convenient. Follow these simple steps:

  1. To understand your financial obligations with the loan, you can use the Housing Loan EMI Calculator and the Home Loan Eligibility Calculator.

  2. Decide on a loan amount and term that is right for you. 

  3. Click on the ‘Apply Now’ option on this page. 

  4. Provide your personal and professional information. 

  5. Review the terms of use and provide your consent to share your details as needed.

  6. The bank will assess your profile before approving the loan. After approval, a representative will be in touch with you soon to help you with the formalities.

Frequently Asked Questions

Can a CA get a home loan?

Yes, a Chartered Accountant can get a home loan after meeting all the eligibility criteria and submitting the required documents.

As a CA, you can secure a home loan of up to ₹15 Crores, provided you meet all the eligibility criteria set by the lender.

You can consider Bajaj Housing Finance Limited, with home loans starting from 7.45% p.a. The exact rate offered will depend on your eligibility and financial profile.

Yes. Lenders often perceive CAs as lower-risk borrowers due to the stability and reliability of their income. This can result in higher loan amounts compared to regular salaried individuals.

Yes. Several lenders offer home loans for self-employed individuals. Also, adding a co-applicant can increase your loan eligibility; it is not a mandatory requirement for loan approval.

In many cases, salaried Chartered Accountants are offered longer repayment tenures than self-employed professionals due to their more stable income profiles. With this profession, you can get up to ₹15 Crores through various lenders available on Bajaj Markets.

No. A CA degree alone does not guarantee eligibility. You also need to meet criteria such as income, credit score, and work experience.

You generally need at least 3 years of work experience to qualify. If you have prior professional experience, you may be eligible. Entry-level CAs may face challenges in obtaining a loan.

Yes. Several banks and housing finance companies provide pre-approved home loan offers and favourable terms specifically for CAs.

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