Here are a few factors

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Location PAN India
CIBIL Score 650+, Minus 1 CIBIL Applicant
Applicant Any Salaried or Self Employed Person
Applicant Age Salaried-21 Year to 60 Year, Self Employed-21 Year to 65 Year
Loan Amount & Tenure 5 Lac to No Limit
(5 Year to 25 Year)
Login Fees Zero
Rate of Interest & Type Salaried:8.45% to 10% Self Employed: 8.50% to 10%
TAT 3 Days
Processing Fees 0.20% of Loan amount+GST
Insurance & Other Charges Insurance Charges:0%-2%
Foreclosure Charges Nil for Individual & 2% for other than individual
Minimum Income Minimum Salary-33K Net per month & SENP (CA & Doctor)
Lock In Period 1 Month
Part Payment Allowed Yes
Home Loan OD Product No
LTV Lower of (i) 90% of Market Value if Loan amount<30 Lac, 80% of Market Value if Loan amount>30 lac-75Lac or
(ii) 160% of Registry Value
Product New Home Purchase, BT+Topup
Program Banking Program-5 Cr, GST Program-2 Cr,Income Program-75 Cr, Gross Receipts (for CA, Doctors)-3 Cr
CO - Applicant Yes
FOIR If Annual Income<6 Lac-60%, 6lac-10 Lac-65%, 10lac-15 lac-70%, >15 lac-18 lac-75%,>18Lac-80%
Negative Profile Real Estate, Cash Salary Applicant,Advocate,DSA, Employee with Properitorship Firm
Funded Property Type (i) Residential Property 
Negative Property Khasra-Khatauni Property, Lal Dora Property, Un-approved Property, GPA Property, Gram Panchayat Property,
Legal & technical not clear, GPA Property, Auction Property, Bachha Flat,Basement,Sub-divided Property,Without MAP Property,Subject to Sale Deed
Accepted Collateral Other than Negative Property & Regularized colony
Business Vintage for Self Employed Person 3 Year
Minimum Job Experience for Salaried Person 2 Year
Experience with Current Employer 3 Month
Any Specfic Product for Professionals Yes, For Chartered Accountant & Doctors & Architect: Maximum Loan upto 3 Cr
(For Doctor -4 time of cash profit & for CA 3 time of cash profit)
USP 1. Zero Login Fees
2. For Doctors & CA, funding can be done upto 100% of market value upto 1 cr
3. Loan Tenure upto 40 years
Additional 1. Funding to NRI is doing
2. Focus on Salaried Individual & Self Employed Professional for New Purchase
3. BT of existing loan can be done for any applicant
4. Direct allotment cases are entertained only for approved projects
5. Pension not considering
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.


Documents and Eligibility Required for Bajaj Housing Finance


  • The age of the applicant should be between 23 to 70
  • Self-employed individuals are qualified to apply for loans backed by real estate.
  • The min. Employment experience should be 3-5 years..
  • The applicant must be an Indian Citizen
  • Maximum Loan Against Property of 30 Lacs Credit Amount
  • Minimum CIBIL score has to be 750

Documents Required:

KYC documents

Proof of Income

Proof of business existence

Bank statement (Last 6 months)

Leave Your Question


Even if you are capable of buying a home using your own fund, you may still want to avail a home loan facility to save on taxes. You can thus invest your funds to earn an attractive return. Apart from this, there are several other benefits of availing a home loan such as due diligence of property by bank, liquidity benefits, etc.

Yes, borrowers can attempt to negotiate a shorter repayment tenure with the approval of the lender. This will result in increased monthly installments and decreased interest outgo. To increase the EMI amount, the borrower needs to submit adequate data on income and credit score which will be verified to ensure their risk position while availing of another loan from the Bank. However, BHFL might ask in lieu of this proof an additional charge for processing higher than the stipulated monthly installment.

Partial pre-payment is one of the convenient facilities offered by the Bajaj Group. The scheme will allow you to pay off your loan amount before the maturity date without making any change in the maturity date of the loan and without any prepayment charges. You can also do this through the foreclosure procedure.

The more the CIBIL scores the more chances of loan approval. Whereas the minimum CIBIL score requirement for Home Loan at Bajaj Housing Finance is 750.

No, it is not mandatory to have a co-applicant for applying for a home loan. But having a co-applicant can certainly increase your chances of home loan approvals.