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Have a loan against property that you wish to transfer? Looking for funds to manage medical emergencies? We offer the best loan against property balance transfer options for salaried individuals to help deal with situations that demand immediate attention. Manage your Bajaj Finserv loan account with our customer portal, 24x7.

Why choose us

Fast Online Process

Go online & apply, get approval in just 3 minutes and money in your account within 24 hours.

Minimal Documentation

It’s a hassle-free process with no heavy documentation. Apply for a LAP balance transfer for salaried individuals now!

Transparency Guaranteed

When we say ‘No Hidden Charges’ we mean it! We provide all your Bajaj Finserv pre-approved loan related information, upfront.

Custom-made Loans

We offer customized loan against property balance transfer options, tailor-made to meet your requirements.

Trusted Companion

100 million+ happy customers across India have chosen Finserv Markets as their trusted financial partner. It's your time now!

Features and Benefits

  • Hassle-free Loan Disbursal

    Applying for a LAP balance transfer with us is simple. The entire process is online and requires minimal documentation.

  • Flexible Tenure

    Choose from repayment tenures ranging between 2 to 20 yrs. You can part-prepay or prepay your loan anytime at minimal charges.

  • Part-payment Facility

    You can part-pay your Bajaj Finserv pre-approved loan against property. We only charge a minimal fee.

  • Balance Transfer Facility

    We provide balance transfer options for your existing Loan against Property. Also, get a top-up loan of high value against your existing loan.

  • Online Account Facility

    With 24X7 access to our online customer portal, get all loan against property-related information at the click of a button!

How it works

Follow these steps to apply for a Loan Against Property balance transfer:

  • Enter Personal Details

    Fill in your personal and employment details.

  • Estimate Borrowing Power

    Find out the loan amount you could possibly avail.

  • Mention Requirement & Property Details

    Fill your required loan amount & details of property.

  • Unlock Final Eligibility

    You will get to know your final loan eligibility amount.

  • Verification & Disbursement

    Get the money in your account post verification.

All we need from you…

Eligibility Criteria
  • Salaried individuals between the age of 33 to 60 years can apply for a loan against property
  • You should be a salaried employee in an MNC, a private company or the public sector.
  • You should be a resident of India residing or owning a property in the following cities: Delhi, Gurugram, Faridabad, Greater Noida, Noida, Ghaziabad, Mumbai, Thane, Navi Mumbai, Bangalore, Pune, Hyderabad, Chennai, Ahmedabad, Kolkata, Jaipur, Chandigarh, Coimbatore, Nagpur, Surat, Cochin, Baroda, Indore, Vizag, Nasik, Aurangabad, and Lucknow.
Documents Required
  • Latest Salary Slips
  • Last 3 months bank account statements
  • PAN Card/Aadhaar Card
  • Address Proof
  • Copy of the documents of the property to be mortgaged
  • IT Returns
*Don't worry if you are asked to upload additional documents, we are just creating the best loan for you!

Loan Against Property Balance Transfer Online

Often, the best way to save a lot of money from paying back a loan against property is to opt for balance transfer facility. Quite simply put, what this means is to transfer the unpaid principal amount of an existing loan (also called balance) to another bank that offers a much more competitive interest rate, thereby reducing your EMI outflow. This helps you in saving significant amount of money in the long run. Finserv Markets makes the loan against property Balance transfer a completely hassle-free experience that is also quick and efficient.

 

How to apply for a loan against property balance transfer?

You can apply for a Loan Against Property in just 5 easy steps-

1.      Enter in your personal details

2.      Use the Finserv Markets loan calculator online to determine the loan amount that you are eligible for

3.      Fill out your required loan amount and the details of your property

4.      Unlock your final eligibility amount

5.      Get the money credited to your bank account after due verification

From start to finish, the entire Bajaj Finserv lending process takes no longer than a day for you to have the money credited to your designated bank account.

Manage all your queries here

  • What are the end uses of a Loan Against Property?

    You can use a Loan Against Property to fulfil all your financial obligations. If you are a salaried individual, you can use your loan for the following purposes: 1. Mortgage buyout/Balance Transfer of existing loan 2. Consolidation of debt 3. Managing wedding expenses 4. New investments 5. Financing education.

  • How is my eligibility for a Loan Against Property calculated?

    The eligibility of a Loan Against Property is calculated by taking into the following parameters in account: 1. Age 2. Income 3. Property value 4. Existing obligations, if any 5. Stability/Continuity of employment/Business 6. Past borrowing track record.

  • What is the sanctioning and disbursement process of a Loan Against Property?

    The process Loan Against Property disbursement is as follows: 1. Submission of documents: You’ll have to submit a set of documents (see ‘Eligibility & Documents’ page for details) depending on your loan application documents you’ve handed in. 2. Sanctioning of Loan: Your credit worthiness is calculated by Bajaj Finance, based on your income, age, employer or firm with whom you work, and CIBIL report. If you are self-employed then it is calculated on the basis of the nature of work, bank statements, CIBIL report and then we plan out the maximum loan amount that we can offer you. You are then issued a Loan Sanction Letter. 3. Acceptance of Loan: If you agree with the terms and conditions of the loan, you will have to submit a signed duplicate copy of Loan Sanction Letter. 4. Disbursement of Loan: The loan will be disbursed once all relevant papers of the property have been verified, all pertinent documents have been submitted, and the loan agreement has been executed.

  • How can I increase the amount of EMI I pay during the tenor of my loan?

    You can easily increase the amount you pay in EMIs by visiting our Customer Portal.

  • What are the types of properties for which I can avail of a Loan Against Property?

    You can avail of a Loan Against Property for the following: 1. Self-Occupied Residential 2. Rented Residential / Commercial 3. Vacant Residential / Commercial 4. Shared Property. You can not avail a Loan Against Property for the following: 1. Plot 2. Property outside city/municipality limit 3. Property with tenants for more than 5 years (with no renewed rent agreement) 4. Property with structural flaws that requires substantial repairs 5. Property constructed on agricultural land/farm land 6. Illegal properties 7. Property already mortgaged with other banks 8. Residential property used for commercial purposes without approval from competent authority 9. Under construction property except NRP transaction 10. Industrial property 11. Schools or hostels 12. Hotel.

  • What is the TAT (Turn Around Time) for Foreclosure Statement?

    The TAT for issuance foreclosure statement is typically 7 working days.

  • What are the documents I require to avail of a loan against property?

    These are the documents you need to get a personalized loan against property – 1. 3 months’ bank statements 2. Latest salary slips 3. PAN Card/ Aadhar Card 4. Address Proof 5. Copies of the documents of the property that is to be mortgaged 6. IT Returns

  • How many times can I avail a loan against property balance transfer?

    During the tenure of your loan, you may transfer your balance amount as many times as necessary, provided, you have followed the due process required each time.

  • What is the tenure of repayment?

    Finserv Markets offers flexible repayment tenures ranging from 2 years to 20 years

  • Can I increase the borrowed amount post the balance transfer?

    Yes, you can! Finserv Markets offers high value top-up loans against your existing loan.

Our Pursuit, Your Happiness

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Bajaj Finserv, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premia!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!