Home Loan EMI Calculator
Monthly Home Loan EMI
Total Interest Amount
Total amount payable
Supported Home Loan Bank EMIs
BAJAJ FINSERV
1. HOME LOAN ELIGIBILITY
Nationality: Indian citizens residing in India are eligible.
Age Criteria:
Salaried applicants: 23 to 70 years (age at loan maturity).
Self-employed individuals: 23 to 70 years (age at loan maturity).
CIBIL Score: A minimum score of 725 is recommended for approval.
Occupation: Open to salaried employees, self-employed individuals, and professionals.
2. HOME LOAN CHARGES
Processing Fees: Up to 7% of the sanctioned loan amount.
Bounce Charges:
Loan up to Rs. 15 lakhs: Rs. 500.
Rs. 15,00,001 to Rs. 50,00,000: Rs. 1,000 to Rs. 1,500.
Above Rs. 50 lakhs: Rs. 2,000 to Rs. 10,000, based on the loan amount.
Penal Interest: Up to 24% p.a. on overdue amounts in addition to the applicable interest rate.
Foreclosure Charges: NIL for individual borrowers with floating interest rates.
Part-Prepayment Charges: NIL.
Hard Copy Statement Charges: Rs. 500 + GST per request.
3. HOME LOAN INTEREST RATES
Interest rates start at 8.50% p.a. for salaried applicants.
Self-employed professionals and doctors may have rates tailored up to 15.00% p.a..
Opt for externally benchmarked interest rates linked to market conditions, like the repo rate.
4. DOCUMENTS REQUIRED FOR HOME LOAN
Personal Identification:
KYC Documents (Aadhar Card, PAN Card, Passport, or Voter ID).
Income Proof:
Salaried Applicants: Recent salary slips and Form 16.
Self-Employed Applicants: Profit & Loss statements, business registration proof, and IT returns for the last three years.
Financial Documents:
Account statements for the last six months.
Additional Requirements:
Business proof for self-employed individuals.
Any other documents requested during the loan process.
5. FEATURES & BENEFITS OF HOME LOAN
High Loan Amount: Borrow up to Rs. 15 crore* to fund your dream home.
Competitive Interest Rates: Low EMIs starting at Rs. 733 per lakh*.
Quick Approvals: Loan approval within 48 hours*.
Flexible Tenure: Repayment options up to 40 years for easy management.
No Foreclosure Fees: Free foreclosure and part-prepayment for floating rate loans.
Balance Transfer Facility: Transfer your existing loan and avail of top-up loans of up to Rs. 1 crore*.
Simplified Application: Doorstep document collection ensures a seamless process.
Wide Network: Access over 5,000 approved projects for fast processing.
Nationality: Indian citizens residing in India are eligible.
Age Criteria:
Salaried applicants: 23 to 70 years (age at loan maturity).
Self-employed individuals: 23 to 70 years (age at loan maturity).
CIBIL Score: A minimum score of 725 is recommended for approval.
Occupation: Open to salaried employees, self-employed individuals, and professionals.
Processing Fees: Up to 7% of the sanctioned loan amount.
Bounce Charges:
Loan up to Rs. 15 lakhs: Rs. 500.
Rs. 15,00,001 to Rs. 50,00,000: Rs. 1,000 to Rs. 1,500.
Above Rs. 50 lakhs: Rs. 2,000 to Rs. 10,000, based on the loan amount.
Penal Interest: Up to 24% p.a. on overdue amounts in addition to the applicable interest rate.
Foreclosure Charges: NIL for individual borrowers with floating interest rates.
Part-Prepayment Charges: NIL.
Hard Copy Statement Charges: Rs. 500 + GST per request.
Interest rates start at 8.50% p.a. for salaried applicants.
Self-employed professionals and doctors may have rates tailored up to 15.00% p.a..
Opt for externally benchmarked interest rates linked to market conditions, like the repo rate.
KYC Documents (Aadhar Card, PAN Card, Passport, or Voter ID).
Salaried Applicants: Recent salary slips and Form 16.
Self-Employed Applicants: Profit & Loss statements, business registration proof, and IT returns for the last three years.
Account statements for the last six months.
Business proof for self-employed individuals.
Any other documents requested during the loan process.
High Loan Amount: Borrow up to Rs. 15 crore* to fund your dream home.
Competitive Interest Rates: Low EMIs starting at Rs. 733 per lakh*.
Quick Approvals: Loan approval within 48 hours*.
Flexible Tenure: Repayment options up to 40 years for easy management.
No Foreclosure Fees: Free foreclosure and part-prepayment for floating rate loans.
Balance Transfer Facility: Transfer your existing loan and avail of top-up loans of up to Rs. 1 crore*.
Simplified Application: Doorstep document collection ensures a seamless process.
Wide Network: Access over 5,000 approved projects for fast processing.
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