You are eligible to avail a home loan of up to
0 Lakhs Bajaj Finserv

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Pre-Approved Home Loan

Pre-Approved Home Loan - Housing Loan Pre Approval India| Bajaj Finserv Homes & Loans

Pre-approved offers

Get finance easily with our pre-approved offers on home loans and loans against property. Simply fill out the form below to know your pre-approved offer in seconds.

About Pre-approved Offer

Get attractive pre-approved home loan offers from Bajaj Housing Finance Limited. These specially crafted offers are made available to different customer categories, while ensuring affordable interest rates and features and benefits to suit your financial needs.

Features and Benefits

Top-up loan

Get hassle-free top-up loans at nominal interest rates

Easy balance transfer facility

Transfer your existing home loan for attractive interest rates

Part-prepayment and foreclosure facility

Part-prepay or foreclose your home loan at no additional charge

Documentation

To avail a pre-approved home loan from Bajaj Housing Finance Limited, you need to provide the following documents:

  • KYC documents

  • Photograph

  • Form 16 or latest salary slips (for salaried individuals)/ITR documents and P&L statement of last 2 years (for self-employed individuals)

  • Bank account statements of the previous 6 months

  • Document for proof of business for minimum 5 years (for businessmen/self-employed individuals)

Interest rate and charges

Here’s a look at the interest rate and charges applicable on your home loan:

Types of 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%
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. 4,999 (one time)

Here are the 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

For term loan, charges are calculated on the outstanding principal.
For Flexi interest-only loan, charges are calculated on the sanctioned limit.
For Flexi term loan, charges are calculated on the current dropline limit.

The part-prepayment charges are:

Borrower type: Interest type Time period (months) Part-prepayment charges
Individual: Floating rate >1 Nil
Non-individual: Floating rate >1 2% plus applicable taxes
All borrowers: Fixed rate >1 2% plus applicable taxes

Part-prepayment made should be more than 3 EMIs.
These charges are not applicable for the Flexi interest-only loan and Flexi term loan facilities.

How to avail your pre-approved offer

To know your pre-approved offer from Bajaj Housing Finance Limited, follow these simple steps:

  • Share your basic details and request your OTP to log in

  • Find your pre-approved offer on your Home Loan, instantly

  • Get pre-approved in an instant with faster loan disbursal

Calculators

On the Homes and Loans website, you can calculate your home loan EMIs, your savings via balance transfer, and check your home loan eligibility. Explore the calculators below to get started.