Bajaj Finserv Home Loan - Features & Benefits

A Home Loan helps you to buy your dream home. Bajaj Finserv Home Loans are tailored for different house hunters. You can check your Home Loan eligibility online and also use the Home Loan EMI calculator to know how much EMI you will have to pay for your Home Loan. 

Home Loan +

A unique offering to customers who are buying ready to occupy property. While we fund your dream home we also understand that you need to spend on the fixtures and fittings to make the place yours. As a part of the overall package, we at Bajaj Finserv offer you an additional amount for Furnishings & Fixtures (subject to eligibility) exclusively for this purpose, making this the best home loan available on the market.

With the Home Loan+ Facility, you would not have to worry about applying for a separate Personal Loan or a Home Improvement Loan either. Spend the time on making your house, rather than on documents.

Home Loan Balance Transfer

If you’re unhappy with your current Home Loan plan, you can switch to Bajaj Finserv and avail of our numerous advantages like Online Application Process, Instant Online Approval, Minimum Documentation, Additional Top loan at attractive rates, No Hidden charges, Customised Insurance Schemes, and Online Account Access. We also offer facilities like NIL Part Pre-Payment charges, NIL Foreclosure charges, and 3 EMI Holiday.

The online Home Loan Balance Transfer from other banks can be disbursed in less than 4 days with minimal documentation.

Top-up Loans

If you opt for a Home Loan Balance Transfer at Bajaj Finserv, you can also get a Top-up Loan at a minimal rate of interest. This loan amount can be used as per your discretion, be it for a home improvement project or for a holiday.

Refinance

If you have purchased your property within the last 12 months with your own funds, you can avail our refinance option and take a housing loan up to the registered value of your property.

Part prepayment facility

You can prepay any amount. However, the prepayment transaction should not be less than the total amount of 3 EMIs. There is no limit on the maximum amount. This is subject to you clearing your first EMI. You need not give cheques / DD / come to branch since now you can also prepay sitting at your home / office through our Online Customer Portal – Experia. You can calculate the part prepayment amount using our Home Loan part pre-payment calculator and calculate your savings instantly. The best part is that we don’t charge any Part Pre-payment penalty if you choose to avail of this facility.

Nil foreclosure charges

You get the option to foreclose your Home Loan anytime during your loan tenure. Use our Home Loan foreclosure calculator for this purpose. Bajaj Finserv will not charge any foreclosure charges.

Flexi scheme

Flexi Loan account is an Industry first facility extended by Bajaj Finserv. The advantage of the product is that you can pre-pay and drawdown money within the drop-line facility using a self-service process, which is easy and hassle-free. Once you avail the Flexi facility, you stand to benefit by saving interest cost by pre-paying any additional / idle funds that you may have, without any interest being levied on the part-paid amount.

Flexi Loans offers many benefits over an existing Term Loan:

  • You have the flexibility to pre-pay the loan with idle funds.
  • You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.
  • You save on Interest costs – Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.
  • Seamless, easy, hassle-free online transactions on the Bajaj internet portal– Experia, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to BFL through Net banking facility.

3 EMI Holiday

Bajaj Finserv focuses on the ease of repayment through multiple flexible options that make it easier for the customer to repay their loans. A 3-month EMI grace period will help manage/plan monthly expenses and give a cushion to the customer to plan his finances.

Online account access

Once you’ve availed a Home Loan from Bajaj Finserv, you can get all the information about your housing loan like payment schedule, interest certificate, repayment track and key information related to your loans through our Home Loan digital customer portal.

Customised Insurance Schemes

Life insurance

HDFC Life Group Credit Protect Plus is a tailor made insurance policy, which protects the families of the insured members from the burden of repaying the outstanding loan to the financial institute in the event death or critical Illness


Individual Health
Guard

Complete Health Protection for an Individual. Get tax benefit.

Family Floater
Health Guard

Insure your family against expensive treatment costs. Get tax benefit.

Critical Illness

Keep yourself covered in the hour of crisis against critical diseases.

Comprehensive Care
Plan

Cover as loan protection which might arise out of unfortunate incident such as critical illness, Accidental Injuries or loss of employment

My Home

Complete security for your property and contents in a single policy.

Personal Accident

Life is Uncertain, Your Future doesn't have to be. The accidental Death or injury of a breadwinner can create serious financial problems for the family. Our Personal accident insurance policy ensures total security and peace of mind.

Property Dossier

Property Dossier is another industry first value added service offered to Mortgage customers of Bajaj Finserv. Property Dossier is a customized report that guides the customer through all the legal and technical aspects of owning a property in a simple and crisp manner. It also covers general property knowledge tips as well as all macro factors like property index of the city, important property tips etc.

Property Search Services

Searching for the perfect property is a task that requires guidance, at each step. We want to ensure that you get the best possible assistance right from search to purchase. 

For details about Home Loan agreements, terms and conditions or have any questions, you can refer to our Home Loan FAQs or can contact us at a nearest Bajaj Finserv office.

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Loan Application

 

It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.

 

Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.

 

Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.

 

A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

Different Purposes for Personal Loan through LoanMoney

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.
Debt consolidation/ Financial Restructuring is a process to streamline one’s financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.
Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.
A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.
The Education Loanaims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.
Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.
Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.
The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.

Disclaimer: LoanMoney is not a Loan Providing Organization. We are facilitating the Loan Process from various Banks & NBFC. The rate, eligibility criteria, term & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up-to-date, but we can't guarantee the accuracy of data provided in this site. LoanMoney help you to embark on your dream at the right time with many Banks/NBFC's Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements.

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