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Current Home Loan Interest Rates

Current Home Loan Interest Rates – Lowest Housing Loan Interests India | Bajaj Finserv Homes & Loans

Current Home Loan Interest Rates

Bajaj Housing Finance Limited offers attractive interest rates, with clear and transparent charges. Knowing your home loan interest rate in advance can help you calculate your home loan EMIs easily, so you can plan your finances better.

Here’s a detailed list of the various charges on your home loan:

Types of Interest Rates and Fees Charges applicable
Regular interest rate(Salaried) BHFL-SAL FRR* – Margin = 9.05% to 10.30%
Regular Interest Rate (Self Employed) BHFL-SE FRR* – Margin = 9.35% - 11.15%
*BHFL-SAL FRR (Bajaj Housing Finance Limited Floating Reference Rate for Salaried customers) 12.90%
*BHFL-SE FRR (Bajaj Housing Finance Limited Floating Reference Rate for Self Employed customers) 13.30%

BHFL FRR for cases booked prior to 20 June 2018 was 12.95%

Home Loan Processing Fee and Charges

Processing fees Up to 1% (Salaried),
Up to 2% (Self Employed)
Loan statement charges NIL
Interest and principal statement charges NIL
EMI bounce charges Up to Rs. 3,000
Penal interest Up to 2% per month
Secure fee Up to Rs. 9,999 (One time)

Here are the foreclosure charges:

Foreclosure Charges

Borrower Type: Interest Type Time Period (Months) Foreclosure charges
Individual: Floating rate >1 Nil
Non-individual: Floating rate >1 4% plus applicable taxes
All borrowers: Fixed rate >1 4% plus applicable taxes

The part-prepayment charges are:

Part-Prepayment Charges

Borrower Type: Interest Type Time Period (Months) Foreclosure charges
Individual: Floating rate >1 Nil
Non-individual: Floating rate >1 2% plus applicable taxes
All borrowers: Fixed rate >1 2% plus applicable taxes

The part-prepayment made should be more than the amount of 3 EMIs.
These charges are not applicable for the Flexi interest-only loan and Flexi Term Loan facilities.

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