Bajaj Housing Home Loan - Interest Rate

Bajaj home loans are an effective, simple, and affordable way to construct your dream living space. With a starting home loan interest rate of 8.50%* p.a., they feature instant loan approval, quick processing, and minimal documentation. Bajaj home loan interest rates depend on your credibility and eligibility. A gentle consideration of your profile and disclosure of loan processing fees and additional charges can help you further approve the home loan.

 

The next sections of this article cover the important aspects of the Bajaj Home loan interest rate featuring a separate table for each section for your better understanding.

 

Bajaj Home Loan Interest Rate — Best Deals and Features

 Bajaj Housing Finance provides loan amounts of up to Rs 5 crore at a starting interest rate of 8.50%* p.a. for loan tenure of up to 32 years. They provide home loans for salaried and self-employed individuals and other professionals like Doctors. However, you can get higher loan amounts if they find your credit profile eligible for higher loan amounts. With Bajaj Home Loans, you can get payable EMIs as low as Rs.759/Lakh* as per your specific employment type. 

If you are an existing home loan borrower of other lenders, Bajaj Housing Finance has a balance transfer facility to provide you with their specific plans and schemes. After becoming an existing Bajaj Home Loan borrower, you can also opt for their home loan top-up over and above their existing home loan. On top of this, Bajaj Finance offers special Home Loan interest rates for women, starting from 8.10% p.a. (for women who have credit scores of 750 and above). These reduced interest rates provide women with an opportunity to get the feeling of homeownership, making home loans accessible for them.

Overview of Bajaj Home Loan Features

Bajaj Home Loan offers several features. Let’s take a sneak peek at this:

• Once the necessary verification is done, you can get your home loan approval within 48 hours or earlier.

• Depending on your credit profile, you can get a loan of up to Rs 15 crore from Bajaj Home Loans to secure your dream living space.

• Bajaj Home Loans come at lower interest rates. For salaried individuals, it starts at 8.50% p.a. Along with lower payable EMIs of Rs 733/1 lakh.

• It provides a long repayment tenure of up to 40 years, making it easy for you to plan your finances effectively.

• By providing a doorstep document pick-up service, Bajaj Home Loans offers a hassle-free application process.

• For salaried professionals who opted for floating interest rates, it has no charges to prepay or foreclose their loan.

• It has over 5000+ approved projects from which you can choose the home loan project that suits your requirements.

• To turn things in your favor during favorable market trends, Bajaj Home Loans Link your interest rate to an external benchmark like the Repo Rate.

• For women borrowers with CIBIL scores of 750 and above, Bajaj Housing Finance offers reduced interest rates starting from 8.10% p.a.

 

Bajaj Home Loan Interest Rates for 2025

 

The offering of home loan interest rates by Bajaj Housing Finance differs for salaried and self-employed borrowers. Factors like credit score, employment history, income, and others are evaluated to calculate the applicant's home loan eligibility.

Bajaj Home Loan interest rates start from 8.50% p.a. onwards. The following table further clarifies things for you:

 

Bajaj Interest Rate

 

Dual Rate Home Loan Interest Rates (Fixed)

 

 

Processing Fees and Additional Charges for Bajaj Home Loans

 

Every financial institution that provides home loans, charges processing fees and other associated charges with the loan. Bajaj Housing Finance charges a processing fee of up to 4% of the loan amount.

Let’s understand the charge structure in Bajaj Home Loans with the following table:

EMI Examples for Bajaj Home Loans

Before you choose any home loan scheme, you need to have estimated figures of your total payable EMI, total repayment amount, and total payable interest to budget your home loan.

Bajaj Housing Finance provides you with a tool known as the Home Loan EMI Calculator to serve this very purpose of calculating EMI along with the total repayment amount and total interest amount of your availed loan. 

To get these figures, you just need to enter your desired loan amount (up to Rs 15 crore), repayment tenure (up to 32 years), and your specific interest rate (starting from 8.50% p.a.). After entering these figures, you’ll get the exact figures of total payable EMI, total repayment amount, and total interest amount with a repayment schedule. Also, you can try various combinations of loan amount, interest rate, and loan tenure to get the exact results of your specific combinations.

 

Bajaj Home Loan EMI Calculation

Conclusion

Bajaj Housing Finance offers home loans at competitive interest rates for different employment types including salaried individuals and self-employed professionals/non-professionals. By paying a minimal processing fee for Bajaj Home Loans and using their handy Home Loan EMI Calculator, you can fulfill your most awaited desire of owning a home by updating yourself with insightful information that leads you to make an informed decision.