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Bajaj Housing Finance Home Loan Balance Transfer EMI Calculator

To reduce the cost of your existing home loan, consider transferring it to Bajaj Housing Finance. You can now apply for this facility on Bajaj Markets and get low interest rates starting from 7.60% p.a.

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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
₹ 252,802
Total Interest Amount
₹ 30,672,552
Principal Amount
₹ 3,00,00,000
Total Payable Amount
₹ 6
Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months drop-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.

...

 

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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Bajaj Housing Finance Home Loan Balance Transfer Interest Rates

Bajaj Housing Finance offers competitive interest rates on home loan balance transfers tailored for both salaried and self-employed individuals. Here are the applicable interest rates:

Loan Type

Interest Rate

Home Loan Balance Transfer

7.60% p.a.

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

Other Fees and Charges Related to 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

Processing Fee

Up to 4% of the loan amount + GST as applicable

Loan Statement Charges

NIL

Interest & Principal Statement

NIL

EMI Bounce Charges

Up to ₹10,000 (varies by loan amount)

Part-prepayment Charges

Up to 2%

Full Prepayment Charges

Up to 4%

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

Enjoy lower interest rates starting from just 7.60% p.a.

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 without having to submit any extra documents

Online Account Management

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

For Salaried Individuals

  • You must be an Indian citizen or NRI

  • Your age should be between 23 and 65 years

  • You should have at least 3 years of work experience in a government job, private/public company, or a multinational corporation

For Self-Employed Individuals

  • You must be an Indian citizen

  • Your age should be between 23 and 75 years

  • You should have a business or profession that has been running for at least 3 years with a steady income

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, like Aadhaar Card, Voter ID, Passport, etc., are required for KYC

  • PAN Card or Form 60 is mandatory

  • Recent passport-sized photographs

  • Bank statements for the past 6 months

  • 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 Profit & Loss statement

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

How to Apply for a Bajaj Housing Finance Home Loan Balance Transfer

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

  1. Click on the ‘Apply Now’ 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.

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Frequently Asked Questions

What is the Bajaj Housing Finance home loan balance transfer interest rate?

Bajaj Housing Finance offers home loan balance transfers at competitive interest rates starting from 7.60% p.a. for salaried individuals. The applicable rate depends on your financial profile, income stability, and loan terms.

This facility is available to Indian citizens who meet the following criteria:

  • Age between 23 and 65 years at loan maturity (for salaried) or 23 and 75 years (for self-employed)

  • Minimum 3 years of work experience or stable business operation with at least 3 years of history

You can track your status through the ‘Track Your Application’ feature on Bajaj Markets. For offline assistance, contact 022 4529 7300 to receive updates.

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

Yes, you can obtain 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 improved 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 take another loan from Bajaj Housing Finance even when you have an existing one. You need to have a stable income, a strong repayment history, and meet the lender’s eligibility criteria to improve your chances of approval.

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