Details of a Housing Loan in Noida
Noida, a thriving city in the NCR, showcases rapid infrastructure growth, including metro expansion, expressways, and modern amenities. With emerging commercial hubs, educational institutions, and green spaces, Noida offers an ideal blend of urban convenience and quality living, making it a perfect choice for homeowners seeking contemporary lifestyle amenities.
Owning a property here has gotten easier with a Home Loan from Bajaj Housing Finance. Apply today to benefit from our extensive features and benefits.
Features and Benefits of a Home Loan in Noida
Easy Home Loan Balance Transfer
You can easily transfer your current Home Loan to Bajaj Housing Finance to avail of a lower interest rate, basis eligibility.
Top-up Loan Option
When you choose to transfer your Home Loan balance to us, you can even avail of a Top-up Loan worth Rs.1 Crore* or higher, basis eligibility.
No Part-Prepayment Charges
If you are an individual with a floating interest rate Home Loan, you can make part-prepayments, or even foreclose your loan at zero additional costs.
Flexible Repayment Tenure
Bajaj Housing Finance offers a repayment tenure of up to 32 years, which lets you repay the loan amount at your pace.
Access to Online Tools
Minimise your chances of Home Loan rejection by preparing your application with the help of our online calculators and tools. They let you calculate the right loan amount suited to your repayment capacity and help you decide the appropriate loan amount when applying for a Home Loan.
Easy Eligibility and Documentation Requirements
To get the Home Loan you desire, all you need to do is meet some easy Home Loan eligibility terms and submit minimal documentation, which includes KYC documents, amongst others.
Documents Required for a Home Loan in Noida
To apply for a Home Loan with Bajaj Housing Finance, you will need the following documents:
1. For Salaried Employees
- KYC documents
- Mandatory documents (PAN Card/Form 60)
- 3 months’ salary slips
- Proof of employment
- ITR statements
2. For Self-Employed Individuals
- KYC documents
- Mandatory documents (PAN Card/Form 60)
- P&L statements
- Educational certificates for doctors and a valid COP for CAs
- Proof of business vintage
- ITR statements
Note: This list is indicative. Additional documents may be needed during loan processing.
Eligibility Criteria for a Home Loan in Noida
| Eligibility Criteria | Salaried Borrowers | Self-Employed Borrowers |
|---|---|---|
| Nationality | Indians (including NRIs) | Indians (residents only) |
| Age | 23 to 67 years** | 23 to 70 years** |
| Work Experience/Business Continuity | 3 years+ | 3 years+ |
| Income | Employed with a stable source of income | Showcase stable revenue from profession or business |
**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
How to Apply for a Home Loan in Noida Online
The Home Loan application journey with Bajaj Housing Finance is straightforward and can be wrapped up in minutes. Follow the prescribed steps to complete your application:
- Visit the Home Loan application on our official website.
- Provide your name, mobile number, occupation type, and desired loan type.
- Next, provide your income details, PIN code, and required loan amount.
- After entering the OTP, declare whether you have already identified a property for which you need the Home Loan. If yes, select the property type, provide the down payment details, and other financial details
- Submit the form.
A Bajaj Housing Finance representative will connect with you to walk you through the following steps.
*Terms and conditions apply.
With Bajaj Housing Finance, you can avail of a Home Loan in Noida and enjoy quick disbursal within 48 Hours* once your documents are verified and approved.
The following is the list of documents*** required to apply for a Home Loan in Noida:
- KYC Documents: Address and identity proof
- Mandatory Documents: PAN Card or Form 60
- Photographs: Recent passport-sized photographs
- Income Proof:
- For salaried individuals: Form 16 or the latest salary slips
- For self-employed individuals: Income Tax Returns (ITR) and Profit & Loss Statement for the last 2 years
- Bank Statements: Statements from the last 6 months
- Business Proof (for businessmen or self-employed individuals): Business vintage of at least 3 years
***The list of documents is indicative.
You can apply for a Home Loan in Noida with Bajaj Housing Finance and get a sanctioned loan amount of Rs.5 Crore* or higher, depending on your eligibility.
To be eligible for a Home Loan in Noida:
- Salaried applicants: Age must be between 23 and 67 years**
- Self-employed applicants: Age must be between 23 and 70 years**
**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
You can access our housing loan eligibility calculator to estimate the loan amount you may qualify for based on a salary of Rs.25,000.
You can apply for a Home Loan in Noida with Bajaj Housing Finance and enjoy a repayment tenure of up to 32 years.
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