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Home Loan of up to Rs.3.5 Crore: Overview _WC

Home Loan of up to Rs.3.5 Crore: Overview

Bajaj Housing Finance offers Home Loans of up to Rs.3.5 Crore (or higher, basis eligibility) to facilitate the smooth purchase of your dream home. Apart from the benefit of sizeable loan sanctions, the loan also comes with flexible repayment plans, reasonable EMI schedules and a host of other helpful features.

Make the move today and take a leap towards making your dream home a reality, with the Bajaj Housing Finance Home Loan.

Interest Rate on Rs.3.5 Crore Home Loan

Interest Rate on Rs.3.5 Crore Home Loan

The interest rate on our Home Loans begins at 8.50%* per annum for salaried borrowers. However, a borrower's age, monthly income, credit score, and other factors are taken into account when deciding on the final interest rate to be offered to them.

Home Loan of up to Rs.3.5 Crore: Interest Rate and EMIs_WC

EMI for Different Tenors for Rs.3.5 Crore Home Loan

Keeping the interest rate constant at 8.50%* p.a., the table below breaks down the potential EMI amounts for time periods ranging from 10 years to 40 years on a Home Loan EMI of Rs. 3.5 crore.

Loan Amount (in Rupees) Tenor EMI (in Rupees)
3.5 Crore 10 years ₹ 4,33,950
3.5 Crore 15 years ₹ 3,44,659
3.5 Crore 20 years ₹ 3,03,738
3.5 Crore 25 years ₹ 2,81,829
3.5 Crore 30 years ₹ 2,69,120
3.5 Crore 40 years ₹ 2,56,583

Bajaj Housing Finance Home Loans: Features and Benefits _WC

Features and Benefits for Home Loan of Rs.3.5 Crore

Competitive Interest Rates

Bajaj Housing offers Home Loans at highly competitive interest rates. Our low interest rate Home Loans make loan repayment simple and stress-free.

Sizeable Loan Sanction

With Bajaj Housing Finance, borrowers can ​avail of Home Loans up to Rs.5 Crore* or higher, basis eligibility. These sizeable loan sanctions make it possible for homebuyers to afford their dream home.

Long Repayment Tenor

Borrowers can choose to repay their loan over a period extending up to 40 years. Flexible and long repayment tenor options ease the burden of loan repayment.

Quick Approval and Disbursal

Our Home Loan eligibility criteria are simple to meet. Therefore, it is easy to get approved with us. Further, with us, you can expect loan disbursal within 48 Hours* of document submission and approval.

Zero Part-Prepayment and Foreclosure Charges

Individual borrowers who have taken a Housing Loan of up to Rs.3.5 Crore on floating interest rates can prepay or foreclose their loan at no additional cost at any time during their repayment journey.

Easy-to-Use Online Tools to Help

Borrowers can use online tools, such as our Home Loan Eligibility Calculator and Home Loan EMI Calculator, to navigate the home loan application process easily.

Online Account Management

Managing your home loan account has never been easier – you can now pay your EMIs and do a lot more while sitting at home through our online customer portal.

Home Loan of up to Rs.3.5 Crore: Eligibility Criteria_WC

Home Loan of up to Rs.3.5 Crore: Eligibility Criteria

Home Loan Eligibility Criteria for Salaried Professionals

  • The applicant must be an Indian (including NRI).
  • They must be between 23 and 75 years** of age at the time of loan maturity. Please know that the maximum age is always the age of the borrower at the time of loan maturity.
  • The applicant must be able to show at least 3 years of work experience

Home Loan Eligibility for Self-Employed Applicants

  • The applicant must be an Indian citizen (resident only).
  • They must be between 25 and 70 years** of age at the time of loan maturity
  • They must be able to show at least 5 years’ business vintage

**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.

Home Loan of up to Rs.3.5 Crore: Documents Required_WC

Home Loan of up to Rs.3.5 Crore: Documents Required

Please keep the following documents ready with you to enjoy a smooth Home Loan application process:

  • Mandatory documents such as PAN card or Form 60
  • KYC documents
  • Passport-size photographs
  • Your last six months’ bank account statements
  • Documents that establish proof of business or 5 years’ business vintage (for self-employed individuals)
  • Latest salary slips (for salaried individuals)

Note: Additional documents may be requested at the time of loan processing.

*Terms and conditions apply.

How to Apply for ​Home Loan of up to ​Rs.3.5 Cror​e​?​

How to Apply for ​Home Loan of up to ​Rs.3.5 Cror​e​?​

​​​With Bajaj Housing Finance, the Home Loan application process has gotten simpler than ever. Now you can book your Home Loan right from WhatsApp in just 10 minutes. Discussed below are the steps to apply for a Home Loan of up to Rs.3.5 crore.​​

  1. Send a “Hi” message to our official Home Loan Whatsapp number “7507507315”. Our automated system will assist you further. ​
  2. In the following conversation, the bot will ask you to enter some of your basic details, such as your employment type, monthly net income, name, required loan amount, etc.​​
  3. Then, you can check the eligible offer available for you.​
  4. Simply pay Rs.1999​*​+ GST via your chosen payment mode and download your in-principal digital sanction letter.​

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Home Loan of up to Rs.3.5 Crore_PAC

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Rs. 1,999 + GST*

Rs.5,999 + GST
*Non Refundable