Do you live in Gurgaon and want to buy your own house? Apply for a home loan on Bajaj Markets and choose from multiple lenders. Compare offers, check eligibility, and explore the EMI calculator to plan your repayments.
Last updated on: Oct 01, 2026
Planning to buy a home in Gurgaon? A home loan in Gurgaon lets you secure the property now and repay through manageable monthly instalments — keeping your savings intact while you invest in one of India's most sought-after real estate markets.
Gurgaon's rapid growth as a corporate and IT hub has driven strong, consistent demand for housing across all segments — from affordable apartments to premium gated communities. Acting sooner rather than later makes financial sense in a market where property values have historically trended upward.
Banks and NBFCs offer home loans based on your income, credit score, and property value, with flexible tenures and repayment structures to suit your financial situation. Comparing your options before you apply can help you lock in better rates and keep your EMIs comfortably within budget.
Gurgaon’s real estate market is known for its modern developments, gated communities, and high-end residential projects. Property rates vary widely depending on the locality, infrastructure, and proximity to business hubs such as Cyber City, Golf Course Road, and Sohna Road.
Here are some key details you should be aware of:
| Category | Indicative Price Range (per sq. ft.) | Key Areas |
|---|---|---|
Affordable Areas |
₹4,000 – ₹8,000 |
Sohna, New Gurgaon, parts of Dwarka Expressway |
Mid-range Areas |
₹8,000 – ₹15,000 |
Sector 57, Sector 67, parts of Golf Course Extension Road |
Premium Locations |
₹15,000 – ₹30,000+ |
Golf Course Road, DLF Phase areas, Cyber City vicinity |
Property prices in Gurgaon are influenced by factors such as proximity to commercial hubs, metro access, road connectivity, and availability of social infrastructure. Areas with strong corporate presence and well-developed infrastructure typically command higher prices.
As property values increase, the loan amount required also rises, which impacts your EMIs and repayment planning.
The home loan market in Gurgaon is well-established, with multiple lenders offering financing options for eligible properties. You can compare interest rates, choose suitable tenures, and explore balance transfer options based on your financial needs.
Home loans in Gurgaon offer several benefits that make property purchase more manageable in a high-demand market:
Lenders offer substantial loan amounts, helping you finance properties across different price segments in Gurgaon.
A home loan reduces the need for a large upfront payment, allowing you to spread the cost over time.
You can use the loan to buy a new home, construct a property, or in some cases, renovate an existing one.
You can choose a tenure that aligns with your income and repayment capacity, making EMIs easier to manage.
With multiple lenders available, you can compare options and choose a home loan with favourable interest rates.
You can transfer your existing home loan to another lender offering better terms to reduce your EMI or interest burden.
Many lenders support online applications, making the process faster and reducing paperwork.
In a high-cost city like Gurgaon, home loans make it easier to access property through structured and long-term financing.
Here are the interest rates and key details offered by various lenders on Bajaj Markets. You can compare the details and choose a suitable lender to get a home loan in Gurgaon:
| Available Offerings | Max. Amount | Min. Interest Rate | Max. Tenure | Processing Fees |
|---|---|---|---|---|
₹15 Crores |
7.25% p.a. |
32 Years |
Up to 4% of the loan amount + GST |
|
₹40 Lakhs |
13% p.a. |
20 Years |
Up to 3% of the loan amount + GST |
|
₹5 Crores |
8.75% p.a. |
30 Years |
Up to 1% of the loan amount + GST |
|
₹15 Crores |
8.5% p.a. |
30 Years |
Up to 0.50% of the loan amount |
|
₹5 Crores |
9% p.a. |
30 Years |
₹2,999 (T&C Apply) |
|
₹50 Lakhs |
9.9% p.a. |
25 Years |
Up to ₹27,000 + 3% of the loan amount + GST (depending on the loan amount) |
|
₹1 Crore |
11.5% p.a. |
25 Years |
Up to 2.5% of the loan amount + GST |
|
₹50 Lakhs |
9% p.a. |
20 Years |
₹9,990 - ₹24,990 + applicable GST |
|
₹25 Lakhs |
12% p.a. |
12 Years |
2% + GST |
|
₹50 Lakhs |
9.50% p.a. |
30 Years |
0.75% + GST |
|
₹50 Lakhs |
10.50% p.a. |
20 Years |
1.5% to 2.5% p.a. |
|
₹7.5 Crores |
7.65% p.a. |
25 Years |
Up to 3% of the loan amount + GST |
|
₹75 Lakhs |
10% |
25 Years |
2% of loan amount |
|
₹50 Crores |
7.75% |
20 Years |
0.25% to 1.50% |
*Disclaimer: The mentioned details are subject to change at the lender's discretion.
To apply for a home loan in Gurgaon on Bajaj Markets, you need to meet the lender’s eligibility criteria. While requirements may vary, the basic conditions are as follows:
Residential Status: Indian
Age: 21 to 67 years
Work Experience: Minimum 3 years
Credit Score: As per lender requirements
Residential Status: Indian
Age: 23 to 70 years
Work Experience: Minimum 5 years in business or profession
Credit Score: As per lender requirements
To complete your home loan application, you need to submit a few key documents. Keeping these ready in advance can help speed up the approval process:
PAN card
Aadhaar card
Voter ID
Driving licence
Aadhaar card
Passport
Recent utility bills (electricity, water, or gas)
Salary slips for the last 3 months
Form 16
Income Tax Returns (ITR) for the last 2 years
ITR for the last 2 years
Audited balance sheet certified by a CA
Profit and loss statements for the last 3 years
Business licence details
TDS certificates
Providing complete and accurate documents can help ensure a smoother and faster loan application process.
You can apply for a home loan in Gurgaon on Bajaj Markets in a few simple steps:
Click here to get started with your home loan application
Choose the loan type, such as a new home loan
Fill in the online form with your basic personal details
Accept the terms of use and privacy policy
Click on ‘Apply Now’ and follow the on-screen instructions
After submitting the application, the lender will review your details and guide you through the next steps based on your eligibility.
The Pradhan Mantri Awas Yojana (PMAY) is a government scheme that provides interest subsidies on home loans to make housing more affordable. It is mainly available to eligible first-time homebuyers and can help reduce the overall loan cost. The benefit depends on your income category and eligibility as per the scheme guidelines.
Home loans provide tax benefits under the Income Tax Act, 1961, making them a financially efficient way to fund property purchases.
These benefits apply only when you meet the relevant conditions under the law:
| Component | Relevant Section | Key Benefit |
|---|---|---|
Principal repayment |
Section 80C |
Deduction available within the overall ₹1.5 Lakhs limit. |
Interest payment |
Section 24(b) |
Deduction available on home loan interest, subject to the applicable cap and property type. |
Additional benefit |
Section 80EEA |
Available only to eligible first-time homebuyers under specified conditions. |
Note: Tax benefits are subject to eligibility, property type, and usage (self-occupied or let out). It is advisable to check applicable rules at the time of filing returns.
When applying for a home loan, it is important to consider the additional costs involved apart from the interest rate.
These charges can vary across lenders:
| Charge Type | What It Covers |
|---|---|
Processing Fee |
Fee charged for evaluating your loan application |
Prepayment/Foreclosure |
May apply depending on loan terms |
Late Payment Charges |
Applicable on missed or delayed EMIs |
Legal and Technical Charges |
Property verification and documentation checks |
Other Charges |
Administrative or service-related costs |
Reviewer
Yes, you may be eligible for a home loan depending on factors such as your income stability, existing financial obligations, credit score, and the loan amount you apply for.
Repayment tenure depends on the lender and your eligibility. Home loans typically come with flexible tenures, allowing you to choose a duration that suits your financial situation.
The down payment is usually a percentage of the property value, as lenders finance a portion of the cost. The exact amount depends on the lender’s policies and the type of property.
The timeline varies depending on the lender and your documentation. Approval may take a few days, while disbursal depends on legal and property verification.
If you have a low credit score, you may still be eligible depending on the lender’s criteria. Improving your credit profile, reducing existing liabilities, or applying with a co-applicant may improve your chances.
Yes, self-employed individuals can apply for home loans. Lenders assess factors such as business stability, income proof, and repayment capacity.
Yes, NRIs can apply for home loans to purchase property in Gurgaon, subject to lender eligibility criteria and documentation requirements.
Yes, switching your home loan to another lender—also known as a balance transfer—can help reduce your EMI if the new lender offers a lower interest rate. You may also get better terms such as a longer tenure or reduced processing fees.
However, before going ahead with a home loan balance transfer, it’s important to compare the overall cost, including any charges involved, to ensure it actually benefits you.