Bajaj Housing Finance Loan Against Property Balance Transfer Eligibility Calculator

With Bajaj Housing Finance Loan Against Property Balance Transfer Eligibility Calculator on Finserv MARKETS, you unlock the eligibility amount and meet your financial requirement hassle-free.

How To Use Bajaj Housing Finance Loan Against Property Balance Transfer Eligibility Calculator

The Bajaj Housing Finance loan against property eligibility calculator lets you find out the exact loan amount that you are eligible for. All you need to do is follow the process mentioned:

  1. Enter your city of residence, your net income and the EMI amount, you wish to pay.

  2. Click “Calculate Now”

  3. You will get the loan amount you will be eligible for.

Yes, post this you can avail the Loan Against Property Balance Transfer facility on Finserv MARKETS.

Bajaj Housing Finance Loan Against Property Balance Transfer Eligibility Criteria

  • The applicant must be the citizen of India.

  • The salaried applicant’s age must be between 28 and 58 years.

  • The self-employed applicant’s age must be between 25 and 70 years.

  • The salaried applicant must work in an MNC, private company or public sector and self-employed individual must have a business with a steady income.

Documents Required For Bajaj Housing Finance Loan Against Property Balance Transfer

  • Identity Proof: PAN/Voter ID/Aadhaar Card

  • Address proof: Aadhaar Card/Passport/Driving License

  • Bank Statement of the last 3 months 

  • Salary Slips 

  • Copy of IT Returns (for Self Employed) 

  • Copy of the documents of the property to be mortgaged

How To Apply for Bajaj Finance Loan Against Property Balance Transfer

Here’s how you can apply for Loan Against Property Balance Transfer on Finserv MARKETS: 

  • Fill in your personal and income details and get instant loan eligibility. 

  • Select Bajaj Housing Finance Limited from the list of partners and get going. 

  • Find out the LAP amount you could possibly avail.

  • Mention Requirement & Property.

  • Find out your loan details along with all the charges and net disbursal amount. Post this, a loan expert will connect with you to further process your application.

Frequently Asked Questions

  • ✔️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 the 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.

    The entire lending process is swift and hassle-free.

  • ✔️Do I need insurance for the property for which I want to avail of a Loan Against Property?

    Yes, your property needs to be insured for fire and other calamities during the tenor of your loan. You will have to provide proof of insurance every year or whenever required.

  • ✔️What criteria does my property need to fulfill for me to avail a Loan Against Property?

    Refer to the section, Bajaj Loan Against Property Balance Transfer Eligibility Criteria.

  • ✔️Can I avail of a Bajaj Housing Finance Loan Against Property for a property that is owned by my relatives and me?

    Yes, you can. All the co-owners of the property will be considered as co-applicants of the loan.

  • ✔️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.

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