Rs.45 Lakh Home Loan - EMI, Eligibility and Interest Rate @8.25%*

Overview of Rs.45 Lakh Home Loan

Whether you are looking for a property as an investment or for residential purposes, a Home Loan can help you secure the funding you need. If you are looking for a Home Loan of up to Rs.45 Lakh, Bajaj Housing Finance offers attractive interest rates and flexible repayment options so that you can turn your dream home into a reality with ease.

Features and Benefits of a Home Loan of Rs.45 Lakh

Online Financial Planning Tools

Our online tools can help you plan your finances better. Use the housing loan EMI calculator to estimate monthly instalments and the eligibility calculator to determine the approximate loan amount you can apply for.

Long Repayment Tenor

With a Home Loan from Bajaj Housing Finance, you can enjoy a flexible repayment tenor of up to 32 years, ensuring long-term feasibility and convenience.

Balance Transfer Facility

By transferring your existing Home Loan balance to us, you can benefit from a reduced interest rate and quick and transparent services.

Attractive Interest Rate

Our competitive interest rate for both salaried and self-employed applicants ensures manageable EMIs and a stress-free homeownership experience.

Home Loan of Rs.45 Lakh: Eligibility Criteria

Planning to apply for a Home Loan of Rs.45 Lakh? Here are the eligibility criteria you need to meet:

Salaried Individual:

Must be an Indian citizen (including NRIs)
Should fall between 23 and 67 years** of age
Should have a minimum of 3 years of work experience

Self-Employed Individual:

Must be an Indian resident
Should be between 23 and 70 years** of age
Should have at least 3 years of continuity in the current business

**The upper age limit is considered as age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.

Home Loan of Rs.45 Lakh: Documents Required

When applying for a Home Loan of Rs.45 Lakh, you need to submit the following documents:

Mandatory documents: PAN Card or Form 60
KYC documents: Valid address and identity proofs
Recent photographs
Income proof: Form 16 and/or latest salary slips (for salaried individuals) or ITR documents and profit & loss statements (for self-employed individuals)
Bank statements: Previous 6 months’ account statements
Business proof: Document confirming a minimum of 3 years of business continuity (applicable for businessmen/self-employed individuals only)

This list is indicative. Our representatives may ask for additional documents.

Home Loan of Rs.45 Lakh: EMIs for Various Tenors

It is advisable to estimate your EMI for a Home Loan of Rs.45 Lakh beforehand to make an informed decision. To know the applicable EMIs, you can use a housing loan EMI calculator. Based on the loan amount, interest rate, and repayment tenor it not only displays the EMI amounts but also provides an amortisation schedule – a month-wise breakdown of your EMIs.

EMI for Rs.45 Lakh Home Loan for 32 Years

Loan Amount	Tenor	Interest	EMI
Rs.45 Lakh	32 years	8.25%*	Rs.33,338

EMIs for Rs.45 Lakh Home Loan for 25 Years

Loan Amount	Tenor	Interest	EMI
Rs. 45 Lakh	25 years	8.25%*	Rs.35,480

EMIs for Rs.45 Lakh Home Loan for 20 Years

Loan Amount	Tenor	Interest	EMI
Rs. 45 Lakh	20 years	8.25%*	Rs.38,343

EMIs for Rs.45 Lakh Home Loan for 15 Years

Loan Amount	Tenor	Interest	EMI
Rs. 45 Lakh	15 years	8.25%*	Rs.43,656

EMIs for Rs.45 Lakh Home Loan or 10 Years

Loan Amount	Tenor	Interest	EMI
Rs. 45 Lakh	10 years	8.25%*	Rs.55,194

EMIs for Rs.45 Lakh Home Loan for 5 Years

Loan Amount	Tenor	Interest	EMI
Rs. 45 Lakh	5 years	8.25%*	Rs.91,783

Home Loan of Rs.45 Lakh: Steps to Apply Online

With Bajaj Housing Finance, applying for a Rs.45 Lakh Home Loan online is easy. Simply follow these steps:

Navigate to our Home Loan application form.
Provide your personal details, such as your name, mobile number, and employment type.
Select your loan type and the nature of your employment.
Enter all required financial details and complete the application form.
Click ‘Submit’ to submit your application.

Once your form is submitted, a representative will connect within 24 hours* and guide you through the next steps, including document submission and verification.

You can apply for a Home Loan by visiting our nearest branches across India.

*Terms and conditions apply.

Rs . 45 Lakh FAQs

FAQs

To determine the EMIs for a Rs.45 Lakh Home Loan, follow these simple steps:

Navigate to our Home Loan EMI Calculator.
Enter the desired loan amount.
Select the loan tenor.
Enter the applicable interest rate.

The calculator will instantly display your EMI amount, along with the total interest and overall payable amount. You can also view the repayment schedule for a detailed, month-wise breakdown of your EMIs.

To qualify for a Home Loan of up to Rs.45 Lakh, applicants must meet the following criteria:

For Salaried Applicants:

Must be an Indian citizen (including NRIs)
Age should range between 23 and 67 years**
Should have a minimum of 3 years of work experience

For Self-Employed Applicants:

Must be an Indian resident
Should be between 23 and 70 years** of age
Should have a minimum of 3 years of business vintage

**The upper age limit is considered as age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.