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Manage all your queries here

  • I have applied for a Bajaj Finserv loan. What are the next steps in the Bajaj Finserv lending process?

    After we receive your duly completed application form, our team of experts will examine all your papers. If your papers are found to be in order, we will sanction a certain amount. This would depend on different factors like the value of collateral/property, your creditworthiness and the amount you’ve requested for. In case your loan is rejected, we would duly inform you of the same.

  • Is it mandatory to have a co-applicant when applying for a home loan? If yes, who can be a co-applicant for my home loan?

    If someone is the co-owner of the property in question, then it would be necessary for that person to be the co-applicant for the home loan. However, if you are the sole owner of the property then any member of your family can be the co-applicant.

  • Is Provisional Interest Certificate provided to the customer?

    Yes! You can do this by simply logging into our online Customer Portal. The Provisional Interest Certificate will give you the breakup of the principal and interest of your scheduled EMIs for the complete financial year. This can be used for claiming tax deduction under Section 80C and Section 24 of the Income Tax Act, 1961.

  • Does the Income Tax certificate change when home loan balance transfer rates change?

    Yes! Your Provisional Income Tax Certificate can change based on certain circumstances like changes in interest rate etc. It does not consider any future changes that may take place on the EMI, Principal or Interest. It is calculated on the “current basis”.

  • How will the Equated Monthly Installments (EMI) on my Bajaj Finserv pre-approved loan be calculated?

    Your EMI is based on the principal amount borrowed and the interest rate charged on it.

  • What are the different options for making EMI payments on my Bajaj Finserv pre-approved loan?

    There are two ways to make your EMI payments. An Electronic Clearing Service (ECS) that’s convenient and easy through your existing bank account. You could also make your payments by handing in a set of post-dated cheques (PDCs) ahead of time from any bank account. However, this option is available only for those individuals in non-ECS locations.

  • I have applied for a quick home loan on a floating rate of interest. How will an increase in this rate of interest impact me?

    If there is an unexpected increase in interest rates, we would do everything in our capacity to make things easier for you. The first step in this process would be to increase your loan tenure within permissible limits. If this doesn’t work, we would then have to increase the EMI. Other options in such a scenario include making a partial prepayment or choosing to make a part-prepay online via our Customer Portal.

  • What is Mortgage Origination Fee?

    Mortgage origination fee is simply a cost meant for the verification done by a Financial institution in order to provide a Mortgage loan. The Costs included under the loan origination fee include: • Property Valuation • Property Title verification • Underwriting verification.

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