Bajaj Housing Finance Home Loan Eligibility

Check your Bajaj Housing Finance Home Loan Eligibility Criteria Online

✓ Home Loan from ₹2 Lakhs To ₹15 Cr ✓ Multiple Lending Partners ✓ Interest Rates Starting @ 8.25%

Bajaj Housing Finance offers home loans of up to ₹2.5 Cr at affordable interest rates for a tenure of up to 30 years. It offers home loans to applicants with a regular source of income and a good credit score. Apart from these, the NBFC also has a set of criteria to determine the eligibility of an applicant for a home loan offer.

Bajaj Housing Finance Home Loan Eligibility Calculator 2022

Before applying for a home loan, it is crucial to be aware of all the prerequisites that influence the chances of approval of the loan application. Bajaj Housing Finance uses a set of metrics to determine the eligibility of an applicant for a home loan offer.


Some of the factors that affect the eligibility of a borrower for a home loan include their monthly income, credit score, age, and other financial obligations. The following table illustrates the various criteria used by Bajaj Housing Finance to determine the eligibility of an applicant for a home loan:


Eligibility Condition




  • Between 23 and 62 years for salaried applicants
  • Between 25 and 70 years for self-employed applicants 

Income Type of Employment

  • Salaried or self-employed with a minimum work experience of 3 years (for salaried applicants) or 5 years (for self-employed applicants)
  • The loan amount may vary depending upon the income of the applicant as discussed in the next section

Credit Score

A decent credit score, preferably upwards of 750.

Loan to Value (LTV) Ratio

Loan up to 85% of the value of the property.

How is Bajaj Housing Finance Home Loan Eligibility Calculated

Bajaj Housing Finance uses a set of metrics to determine the eligibility of an applicant for a house loan offer. Some of the factors that affect the eligibility of an applicant for a home loan are- credit score, monthly income, age, other financial obligations like pending debt, etc.

Bajaj Housing Finance Home Loan Eligibility Based on Salary

The applicant’s salary is one of the key determinants of the home loan amount they are eligible for. The following table provides an estimate of the loan amount an applicant is eligible for based on their monthly salary:

Applicant’s Monthly Income

Loan Amount













Bajaj Housing Finance Home Loan Eligibility Based on Age

As the repayment tenure of a home loan can go up to 30 years, the age of the applicant also impacts the tenure of the home loan. The loan tenure or term is the period in which the borrower is supposed to pay back the entire loan amount along with the applicable interest. Ergo, the younger the borrower, the more time they have to pay back the loan. The following table gives an estimate of the relation between the age of the applicant and the maximum loan tenure they are eligible for:

Age of the Applicant

Maximum Eligible tenure

21 years to 30 years

30 years

31 years

29 years

32 years

28 years

33 years

27 years

34 years

26 years

35 years

25 years

36 years

24 years

37 years

23 years

38 years

22 years

39 years

21 years

40 years

20 years

41 years

19 years

42 years

18 years

43 years

17 years

44 years

16 years

45 years

15 years

Bajaj Housing Home Loan Eligibility Based on Value of Property

The amount of Bajaj Housing Finance home loan depends upon the LTV (Loan to Value) ratio of the property in question. The LTV of a property, and therefore the loan amount, depends upon its value. The following table gives you an idea of the LTV ratio that you can expect for a given loan amount:

Loan Amount

LTV Ratio

Up to ₹5 Lakhs

Up to 85%

5 Lakhs to ₹75 Lakhs


Above ₹75 Lakhs


Bajaj Housing Finance Home Loan Eligibility for Women

The eligibility criteria for home loans is the same for all applicants irrespective of their gender.

Minimum CIBIL Score for Bajaj Housing Finance Home Loan

Credit score is considered to be one of the most reliable methods of assessing the creditworthiness of a borrower. To ensure that you meet the eligibility criteria for home loans from Bajaj Housing Finance, you should ideally have a CIBIL score of at least 750.

Factors affecting Bajaj Housing Finance Home Loan Eligibility

There are a number of factors that play a part in whether the loan application gets approved as well as how much loan amount will be sanctioned. Hence, it is best to be aware of these factors beforehand:

  • Salary: This factor of salary plays a part in Bajaj housing finance loan eligibility since the applicant’s net income essentially determines his or her repayment capacity after meeting essential expenses.

  • Employment Status: Similarly, the applicant’s employment status also has an essential influence since it means that they have a stable source of income and are, therefore, in a better position to efficiently pay off the entire Home Loan amount.

  • Financial Obligations: Lastly, most established financial institutions such as Bajaj Housing Finance expect its loan applicants to not have too many pending debts and other serious financial obligations hanging over their heads. Hence, your financial history and current obligations also affect your loan approval chances.

FAQs on Bajaj Housing Finance Home Loan Eligibility

  • ✔️What is the Bajaj Housing Finance eligibility calculator for a home loan?

    Bajaj Housing Finance home loan eligibility calculator is an online digital tool that helps you estimate the EMI that you would be paying for your home loan.

  • ✔️What factors determine home loan eligibility?

    Your home loan eligibility depends on your monthly income, age, CIBIL score, city of residence, among other things.

  • ✔️How can I improve Bajaj home loan eligibility?

    Having a stable income along with a healthy credit score can improve your eligibility for a Bajaj home loan. You must always pay your dues on time and keep credit utilisation under 30% for a good credit score.

  • ✔️What is the minimum salary to get a Home Loan from Bajaj Housing Finance?

    The minimum salary required to meet Bajaj Housing Finance housing loan eligibility is ₹25,000 per month.

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