Home Loan of up to Rs.4 Crore: Overview
If you are looking for a Home Loan that accommodates your housing dreams without placing a constrain on your budget, availing of our high-ticket sized loans may be the right path for you. We offer Home Loans at interest rates starting as low as 8.45%* p.a. and for a flexible repayment tenor of up to 40 years.
Potential borrowers can use our free-to-use online tools such as the Home Loan EMI calculator to help them plan their loan repayment journey and our Home Loan eligibility calculator to understand their eligibility.
Home Loan of up to Rs.4 Crore: Interest Rate
Our Home Loan interest rates are competitive and cost-effective, however, the final interest rate that we will be able to offer you will depend on several different factors, such as your age, income and job stability and credit score.
Home Loan of up to Rs.4 Crore: EMI Calculations
If you want to get a better understanding of the EMI for Rs.4 Crore Home Loan, make the most of our free-to-use Home Loan EMI calculator. Here are some possible EMI calculations, based on an interest rate of 8.45%* p.a., with various tenor comparisons.
| Loan Amount (in Rupees) | Tenor | EMI (in Rupees) |
|---|---|---|
| 4 Crore | 40 years | 291,717 |
| 4 Crore | 30 years | 306,149 |
| 4 Crore | 25 years | 320,744 |
| 4 Crore | 20 years | 345,865 |
| 4 Crore | 15 years | 392,724 |
| 4 Crore | 10 years | 494,874 |
Home Loan of up to Rs.4 Crore: Features and Benefits
Highly Competitive Interest Rates
Bajaj Housing Finance offers Home Loans at interest rates starting as low as 8.45%* p.a. In other words, you can now make your dream home yours by paying nominal EMIs without stretching your personal finances.
Sizeable Loan Sanction
With Bajaj Housing Finance, you can avail of a Home Loan up to Rs.4 Crore or higher, basis eligibility, and with us, you can also expect disbursal within 48* hours of document submission and approval.
Simple Eligibility Criteria
We have very simple and easy-to-meet eligibility criteria for Home Loans of up to Rs.4 Crore, making it easier for you to avail of our loans to jump start your homebuying journey.
Zero Part-Prepayment and Foreclosure Charges
Individual borrowers with floating interest rates can foreclose their loan at any point during their loan repayment journey without paying any additional fees or charges.
Online Account Management
Bajaj Housing Finance Home Loan borrowers can now manage their loan account while sitting within the comfort of their home using our online customer portal.
Home Loan of up to Rs.4 Crore: Eligibility Criteria
Our Home Loan eligibility criteria are easy to meet and have been designed to encourage hassle-free borrowing. Here are our Home Loan eligibility criteria for salaried and self-employed professionals.
Home Loan Eligibility Criteria for Salaried Professionals
Here are our eligibility criteria for salaried professionals:
- The applicant can be a resident citizen of India or an NRI.
- They must be between 23 and 75 years** of age. Please note that the maximum age is always the age of the person at the time of loan maturity.
- They must be able to show at least 3 years of work experience.
Home Loan Eligibility Criteria for Self-Employed Individuals
Here are our eligibility criteria for self-employed professionals:
- The applicant must be an Indian resident.
- They must be between 25 and 70 years** of age. Please note that the maximum age is always the age of the borrower at the time of loan maturity and not at the time of availing of the loan.
- The applicant must be able to show at least 5 years of business vintage.
** please note that the maximum age is considered at the time of loan maturity.
Home Loan of up to Rs.4 Crore: Documents Required
Please keep the following documents ready with you to experience quick approval and disbursal.
- Under address and identity proof documents category, you can submit your Aadhar Card, and select utility bills
- Under the income-related documents category, you will be required to submit last three months' salary slips, ITR of last two months and last six months' bank statements
- Please also keep all property-related documents ready with you, such as title deed, NOC, registration receipt, sale deed, tax receipts, approved project plan, etc.
- Please note that this list is only indicative. We may ask you for additional documents at the time of loan processing. These requirements, if any, will be communicated to you by our team.
*Terms and conditions apply.
