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Home Loan in Chandigarh: Overview_WC

Home Loan in Chandigarh: Overview

Over the last few years, Chandigarh has witnessed major real-estate growth. The capital city of two states, Punjab and Haryana, Chandigarh is not only one of the cleanest cities in India but also the happiest city in the country according to a recent news report. This well-planned city is thronged by tourists throughout the year. It is also well-connected with the rest of the country and houses many good schools and colleges. It is, therefore, not very surprising that demand for housing has witnessed a consistent rise over the past few years in and around Chandigarh. 

If you are planning to buy a home in Chandigarh, whether as an investment or to move in, apply for a Home Loan and enjoy many benefits. Bajaj Housing Finance offers housing loan at interest rates starting as low as 8.45%* p.a. for salaried and professional applicants in Chandigarh. So, make the most of our competitive interest rates and apply for a Home Loan in Chandigarh. 

Home Loan in Chandigarh: Features & Benefits_WC

Home Loan in Chandigarh: Features & Benefits

Easy Balance Transfer Facility

Transfer your Home Loan to us and enjoy competitive interest rates with better borrowing terms. 

Top-up Loan

Our Home Loan Balance Transfer facility comes with the option of availing of a Top-up Loan worth Rs.1 Crore* or higher, based on your needs and eligibility. Funds availed of under this facility come with zero end-use restrictions.

No Part-Prepayment and Foreclosure Charges

Individual Home Loan borrowers who avail of a loan from us on floating interest rates won’t be charged for part-prepayment and foreclosure in case they decide to close their loan early.

Flexible Tenor

Bajaj Housing Finance gives borrowers a chance to repay the loan over a period extending up to 40 years. This makes paying off the loan easy and comfortable. 

Minimal Documentation

Our document requirements for a Home Loan in Chandigarh are simple and easy to meet. Our representatives will communicate our document requirements to you at the time of making a Home Loan application.

Online Account Management

Use our online customer portal to access your loan account details, make payments, and do a lot more at any time and from anywhere.  

Online Home Loan Calculators

Use our Home Loan EMI Calculator to understand your EMI obligation against the amount you wish to borrow; this will help you plan your Home Loan journey with us in advance.

Integrated Branch Network

Not comfortable applying for a Home Loan online? Walk into one of our branches near you and make an application in person. Our representatives will help you to the best of their ability. 

Quick Processing

We understand you must be in a hurry to buy the home of your dreams. We, therefore, make it a point to disburse the loan amount as soon as possible. Expect quick processing and disbursal within 48 Hours* of application approval and document submission.  

Home Loan in Chandigarh: Eligibility Criteria_WC

Home Loan in Chandigarh: Eligibility Criteria

Our Home Loan eligibility criteria are simple and easy to meet. Here are our eligibility criteria for a Home Loan in Chandigarh for salaried and self-employed individuals. 

  • If you are a salaried individual, you must be an Indian citizen (Including NRIs). If you are a self-employed individual, you must be an Indian (resident only).
  • If you are a salaried employee, you must be between 23 and 75 ** years of age. If you are a self-employed individual, you must be between 25 and 70** years of age
  • If you are a salaried individual, you must be able to show 3 years of work experience. If you are a self-employed individual, you must be able to show at least 5 years of business continuity

**Maximum age considered as age at the time of loan maturity

Home Loan in Chandigarh: Documents Required_WC

Home Loan in Chandigarh: Documents Required

Here are our document requirements for a housing loan in Chandigarh. Do note that the list is indicative, and you may be asked for additional documents at the time of application.

  • KYC documents: These include address and identity proof documents, such as Aadhar, Passport, Driving License, PAN card, Utility bills, Ration Card
  • Passport-size photographs
  • Form 16 and/or latest salary slips for salaried individuals/TR document and P&L statements for self-employed individuals
  • Bank account statements for the previous 6 months
  • Document for proof of business, with a minimum of 5 years vintage (for businessmen/self-employed individuals only)

Home Loan in Chandigarh: How to Apply_WC

Home Loan in Chandigarh: How to Apply

Applying for a Home Loan in Chandigarh with Bajaj Housing Finance is straightforward. Follow these steps to make an application online.

  • ​Visit our website and open our online application form
  • You will be asked to fill the bare minimum details related to your identity, address, type of loan and loan amount
  • An OTP will be generated to verify your phone number after which our representative will contact you

*Terms and conditions apply.

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