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Rs.1 Crore Home Loan Overview

Homebuyers who wish to purchase their dream home often look for a Home Loan to ensure a smooth homebuying journey. Apart from the financial ease, a Home Loan is a versatile and convenient way of accommodating varied homebuying requirements.

If you are planning to avail of a Home Loan of Rs.1 Crore, you can benefit from a sizeable sanction, long repayment tenor, and a host of other features with us.

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Features and Benefits of Rs.1 Crore Home Loan

Competitive Interest Rate

Eligible salaried, self-employed, and professional applicants can benefit from our competitive Home Loan interest rates.

Sizeable Loan Sanction

The Bajaj Housing Finance Home Loan allows sizeable loan sanctions to applicants who satisfy our easy eligibility criteria.

Flexible Repayment Tenor

Our borrowers benefit from our flexible repayment tenor, which can even stretch up to ​40 years. It allows the repayment process to be completed with ease.

Online Account Management

We make handling your Home Loan details easier for you by way of our Online Account Management portal, which lets you access your loan details without visiting our branch in person.

Zero Part-Prepayment and Foreclosure Charges

If you are an individual servicing our Home Loan with a floating interest rate, you enjoy zero part-prepayment and foreclosure charges.

Home Loan EMI Calculator

Calculate Your Home Loan EMI

Loan AmountRs.

Rs.1 LakhRs.15 Crore

TenorYears

1 Year40 Years

Interest Rate%

1%15%

Your EMI is Rs. 0

0.00%

Total Interest

Rs. 0.00

0.00%

Total Payable Amount

Rs. 0.00

View Repayment Schedule Apply Now

Repayment schedule
Date
  

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1 Crore Home Loan: Eligibility Criteria_wcm

Eligibility Criteria for a Home Loan of Rs.1 Crore

Aspiring borrowers need to meet our easy Home Loan eligibility criteria to get favourable terms on home finance. Our eligibility parameters are hassle-free and minimal.

For Salaried Individuals

  • You should be an Indian (NRIs included)
  • You should be between 23 and 75 years** of age
  • You should have a work experience of at least 3 years

For Self-Employed Individuals

  • You should be an Indian (resident only)
  • You should be between 25 and 70 years** of age
  • You should be able to show at least 5 years of continuity in your current 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.

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​​Home Loan of up to Rs.1 Crore: Documents Required​

  • KYC documents (address and identity proofs)
  • Mandatory documents (PAN Card or Form 60)
  • Photographs
  • Latest salary slips (for salaried applicants)/ITR document and P&L statements (for self-employed applicants)
  • Bank account statements of the previous 6 months
  • Document for proof of business, with a minimum of 5 years of vintage (for businessmen/self-employed individuals only)

Note: The list of documents mentioned here is indicative. Additional documents may be requested at the time loan processing.

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EMI Tenor for a Home Loan of Rs.1 Crore

It is suggested that before you proceed to apply for a housing loan, use the Home Loan EMI Calculator to project a tentative EMI plan, based on your preferred Home Loan terms.

Following are the details of EMIs for Rs.1 Crore Home Loan for the tenor of 10 years, 15 years, 20 years, 25 years, 30 years, and 40 years at an interest rate of 8.50%*p.a.:

Loan Amount (in Rs.) Tenor EMIs (in Rs.)
1 Crore 40 years 73,309
1 Crore 30 years 76,891
1 Crore 25 years 80,523
1 Crore 20 years 86,782
1 Crore 15 years 98,474
1 Crore 10 years 1,23,986

*The values in the preceding tables are subject to change.

Disclaimer:- The interest rate considered here, and its subsequent calculations are for illustrative purposes only. The calculations and actuals will differ basis the individual’s profile and loan requirements.

1 Crore:Application process_WCM

Steps to Apply for a Home Loan of Rs.1 Crore

If you are planning to apply for a housing loan, the application process is easy to follow and hassle-free:

  1. Visit our housing loan application form
  2. Proceed to choose the type of housing loan you want, and select your employment type.
  3. Next, fill in the requested details, such as your name and monthly income.
  4. Click ‘Generate OTP’ and enter the received OTP in the respective field. After entering the OTP, click ‘Proceed'.
  5. Populate all the financial details as requested and complete the form.
    (Note: The fields that you need to fill may vary basis your employment type.)
  6. Submit the application form.

The Home Loan application process will not take you long to complete, and our representative will connect with you within 24 hours* to walk you through the next steps.

*Terms and conditions apply.

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