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Buying a home should feel exciting, not exhausting! With Bajaj Housing Finance Home Loan, available through PoketCare, you can own your dream home faster with low interest rates, longer tenure, and easy digital approval.
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Bajaj Housing Finance Home Loan – Your Shortcut to a Dream Home
Buying a home should feel exciting, not exhausting! With Bajaj Housing Finance Home Loan, available through PoketCare, you can own your dream home faster with low interest rates, longer tenure, and easy digital approval.
PoketCare Pro Tip: Apply through PoketCare to enjoy instant eligibility check, lowest rates, and zero agent hassle.
About Bajaj Housing Finance – Trusted, Transparent, Technology-driven
Bajaj Housing Finance Limited (BHFL) is part of the trusted Bajaj Finserv Group, one of India’s leading financial conglomerates. It’s known for its quick digital processing, flexible EMI options, and high-value home loans suited for every lifestyle.
Bajaj Housing Finance offers home loans tailored for salaried, self-employed, and NRI customers — combining technology with transparency.
Types of Bajaj Housing Finance Home Loans & Key Features
Here’s a complete comparison of Bajaj Housing Finance Home Loan variants available on PoketCare:
|
Loan Type |
Interest Rate (Approx.) |
Tenure |
LTV (Loan-to-Value) |
Maximum Loan Amount |
|
Home Purchase Loan |
Floating: 8.70% – 9.75% Fixed: 9.20% – 10.10% |
Up to 40 years |
Up to 90% |
₹5 Crore |
|
Home Construction Loan |
Floating: 8.90% – 9.95% |
Up to 30 years |
Up to 85% |
₹3 Crore |
|
Home Improvement / Renovation Loan |
Floating: 9.25% – 10.50% |
Up to 20 years |
Up to 80% |
₹75 Lakh |
|
Home Extension Loan |
Floating: 9.15% – 10.40% |
Up to 25 years |
Up to 85% |
₹1 Crore |
|
Balance Transfer Loan |
Floating: 8.60% – 9.30% |
Remaining tenure |
As per original loan |
₹5 Crore |
|
Top-up Loan |
Floating: 9.00% – 10.25% |
Up to 20 years |
Linked with existing loan |
₹1 Crore |
PoketCare Pro Tip: If you already have a home loan elsewhere, use PoketCare’s Balance Transfer tool to switch to Bajaj Housing Finance — and save up to ₹6–8 lakh in lifetime interest!
Home Loan Insurance Recommendation
Protect your family’s peace of mind with Bajaj Allianz Home Loan Protection Plan — specially designed to secure your outstanding home loan amount in case of unforeseen events.
PoketCare Pro Tip: Add insurance while applying through PoketCare. You’ll get group discount rates and EMI-based premium options that won’t strain your monthly budget.
Ideal Borrower & Eligibility Criteria
The Bajaj Housing Finance Home Loan is perfect for:
- Salaried professionals (government, private, PSU, MNCs)
- Self-employed professionals (doctor, CA, consultant, etc.)
- Business owners and NRIs
Eligibility Snapshot
|
Criteria |
Details |
|
Age Limit |
23 – 70 years (at loan maturity) |
|
Minimum Income |
₹25,000/month (salaried) |
|
CIBIL Score (Preferred) |
725+ for best interest rates |
|
Employment Type |
Salaried / Self-employed |
|
Co-applicant Option |
Yes (for higher eligibility) |
PoketCare Pro Tip: Maintain a good repayment track record and CIBIL above 725 to unlock exclusive Bajaj Pro Home Rates available only through PoketCare.
Documents Required for Bajaj Housing Finance Home Loan
For Salaried Individuals:
- Aadhaar & PAN card
- 3-month salary slips
- 6-month bank statements
- Latest Form 16 or ITR
- Property documents
For Self-employed Applicants:
- Aadhaar & PAN card
- Business proof & registration documents
- ITR (last 2 years)
- Bank statements (12 months)
- Proof of property ownership
PoketCare Pro Tip: Upload all your documents securely on PoketCare — no photocopies, no courier, just pure digital convenience!
Useful Links to Help You Apply Smartly
- Check Your Free CIBIL Score on PoketCare
- Home Loan EMI Calculator
- Compare Top Lenders
- How PoketCare Works
Benefits of Applying Bajaj Housing Finance Home Loan via PoketCare
- Instant online application – 100% digital, 0% stress
- Lowest available rates directly from Bajaj Housing Finance
- AI-based eligibility and EMI calculator
- No hidden charges, no broker commissions
- Quick sanction & doorstep document pickup (in selected cities)
- PMAY subsidy (up to ₹2.67 lakh) for first-time homebuyers
- Tax benefits – ₹2 lakh (interest) + ₹1.5 lakh (principal) under IT Sections 24(b) & 80C
PoketCare Pro Tip: Bajaj Housing Finance gives extra tenure of up to 40 years — making EMIs lighter on your pocket.
All Charges You Should Know
|
Charge Type |
Amount / Rate |
|
Processing Fee |
0.35% – 0.50% of loan amount |
|
Prepayment / Foreclosure Charges |
NIL (floating rate) |
|
Stamp Duty |
4% – 7% (varies by state) |
|
Registration Charges |
1% of property value (state-specific) |
|
TDS (for properties above ₹50 lakh) |
1% of property value |
|
Penal Interest |
2% per month on overdue EMI |
PoketCare Pro Tip: PoketCare automatically displays total loan cost, including charges — no surprises at disbursement stage.
How PoketCare Simplifies Your Bajaj Housing Finance Home Loan Journey
- Check eligibility and compare Bajaj rates instantly
- Upload KYC & income documents online
- Get pre-approved in 24–48 hours
- Choose your preferred EMI plan
- Disbursal directly into your bank account
PoketCare Pro Tip: 92% of PoketCare home loan users get same-day lender responses and exclusive cashback deals from partners.
Conclusion
Bajaj Housing Finance Home Loan combines affordability, reliability, and speed — the perfect recipe for today’s smart homebuyers.
And when you apply through PoketCare, you enjoy better offers, expert guidance, and faster approval — all from your fingertips.
So, what’s stopping you?
Start your dream home journey today — with PoketCare & Bajaj Housing Finance.