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BAJAJ FINSERV DIRECT LIMITED

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 7.40% p.a.

Max. Tenure 32 Years

Lending Partners 10+

Max. Amount ₹15 Crores

Apply Now

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Home Loan EMI Calculator

Home Loan Eligibility Calculator

Home Loan Interest Rate

Home Loan Procedure

Home Loan Documents

Tax Benefits for Home Loan

Plot Loan

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	7.40% p.a.	32 years	₹15 Crores
PNB Housing Finance Home Loan	8.5% 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% p.a.	20 years	₹35 Lakhs
ICICI Bank Home Loan	9% p.a.	30 years	₹5 Crores
Shubham Housing Finance Home Loan	9.9% p.a.	25 years	₹50 Lakhs
Easy Home Finance Home Loan	10.50% p.a.	20 years	₹50 Lakhs
Truhome Finance Home Loan	11.5% p.a.	25 years	₹1 Crore
Vridhi Home Finance Home Loan	12% p.a.	12 years	₹25 Lakhs
India Shelter Home Loan	13% 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

₹ 7,995

Total Interest Amount

₹ 918,775

Principal Amount

₹ 10,00,000

Total Payable Amount

₹ 19,18,775

Loan Amount

Interest Rate

- +

Tenure

- +

Calculate Now

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

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:

To understand your financial obligations with the loan, you can use the Housing Loan EMI Calculator and the Home Loan Eligibility Calculator.
Decide on a loan amount and term that is right for you.
Click on the ‘Apply Now’ option on this page.
Provide your personal and professional information.
Review the terms of use and provide your consent to share your details as needed.
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.

Home Loan Down Payment	Home Renovation Loan
Home Loan for Doctors	Joint Home Loans
Housing Loan for Government Employees	Micro Housing Finance
Home Loan for Pensioners	Home Loan Tenure
Home Loan for Private Employees	NRI Home Loan
Home Loan for Resale Flats	Plot Loans
Home Loan for Short Term Requirements	Pre-Approved Home Loan
Home Loan For Under Construction Property	Step Up Home Loan
Home Loan for Self Employed	Types of Home Loans

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.

How much loan can a CA get?

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.

Which bank offers the lowest interest rate on home loans for CAs?

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.

Do CAs get higher loan amounts compared to regular salaried applicants?

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.

Can I get a home loan as a self-employed CA without a co-applicant?

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.

Do CAs have a longer repayment tenure on home loans?

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.

Is a CA degree alone enough to qualify for a professional home loan scheme?

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

Can newly qualified CAs apply for a home loan?

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.