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Home Loan of up to Rs.4.5 Crore: Overview_WC

Home Loan of up to Rs.4.5 Crore: Overview

Waiting to take the plunge and make your real estate dream a reality? Avail of a housing loan to achieve your goal with more ease, in terms of financing and funding. With a Home Loan of up to Rs.4 Crore from Bajaj Housing Finance you can make the dream of owning any home you want a reality. The Home Loan is tailored to address the needs of our borrowers. From competitive interest rates to other attractive benefits, our Home Loans are a compelling choice.

Home Loan of up to Rs.4.5 Crore: Features and Benefits _WC

Features and Benefits of Rs.4.5 Crore Home Loan

Low Interest Rates

When you are availing of a high loan sanction, worth Rs.4.5 Crore, it helps that you avail of low interest rates to keep the cost of repayment nominal. Bajaj Housing Finance’s low interest rate Housing Loan deals will do just this for you.

Flexible Repayment Tenor

With us, borrowers can choose to repay their loan over a period extending up to 40 years. Such a long repayment period makes the process of loan repayment less burdensome and allows you to focus on your other financial goals.

Easy-to-Meet Eligibility Criteria

Bajaj Housing Finance has easy-to-meet Home Loan eligibility criteria, which makes getting approved for a loan with us quite simple and easy.

Online Tools to Help

Borrowers can use our various online tools to help them figure out the right loan amount and tenor for them. All these tools are free and easily available on our websites.

Online Account Management

Borrowers can pay their Home Loan EMIs, raise complaints and queries and do a lot more while sitting within the comfort of their home using our online customer portal. Managing one’s loan account has never been easier.

Home Loan of up to Rs.4.5 Crore: Eligibility Criteria _WC

Home Loan of up to Rs.4.5 Crore: Eligibility Criteria 

Our eligibility criteria for a Home Loan of up to Rs.4.5 Crore is easy and simple to meet.

Eligibility Criteria for Salaried Applicants

  • Salaried applicants applying for a Home Loan with us must be an Indian (including NRI).
  • They must be between 23 and 75 years** of age
  • They must be able to show at least 3 years* of work experience

Eligibility Criteria for Self-Employed Applicants

  • Self-employed applicants applying for a Home Loan with us must be an Indian (resident only)
  • They must be between 25 and 70 years** of age
  • They must be able to show 5 years* of business vintage

**The upper age limit is considered as age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.

Interest Rates for Rs.4.5 Crore Home loan

Interest Rates for Rs.4.5 Crore Home loan

Bajaj Housing Finance offers Home Loans at interest rates starting as low as 8.50%* p.a. for salaried applicants. However, the interest rate that we will be able to offer you will depend on several things, such as your age, income, job stability, city of residence, credit score, etc.

Home Loan of up to Rs.4.5 Crore: EMI and Interest Rate_WC

EMI for Different Tenors for Rs.4.5 Crore Home Loan

If you are planning to avail of a Home Loan up to Rs.4.5 Crore, we recommend using an online Home Loan EMI Calculator to estimate the EMI in advance for different loan tenors.

Here is a glimpse of what your potential EMIs may look like, considering an interest rate of 8.50%* p.a.

Loan Amount (in Rs.) Tenor EMI (in Rs.)
4.5 Crore 40 years 3,28,182
4.5 Crore 30 years 3,44,418
4.5 Crore 25 years 3,60,837
4.5 Crore 20 years 3,89,098
4.5 Crore 15 years 4,41,815
4.5 Crore 10 years 5,56,733

Home Loan of up to Rs.4.5 Crore: Documents Required _WC

Home Loan of up to Rs.4.5 Crore: Documents Required

Please keep the following documents ready to experience a hassle-free loan application process if you wish to avail of a Rs.4.5 Crore home loan from Bajaj Housing Finance:

  • KYC documents
  • Mandatory documents such as PAN Card or Form 60
  • Passport-size photographs
  • Latest salary slips (for salaried applicants)/TR document and P&L statements (for self-employed applicants)
  • Bank account statements of the previous 6 months
  • In the case of self-employed professionals, documents that establish at least 5 years of business vintage.

Keep in mind that this is only an indicative list and our representatives may ask you for additional documents at the time of loan processing.

*Terms and conditions apply.

​How to Apply for a Home Loan of Up to Rs. 4.5 Crore?​

Home Loan of up to Rs. 4.5 Crore: How to Apply

Applying for a Home Loan of up to Rs. 4.5 crore with Bajaj Housing Finance is quite simple and hassle-free, as we seek minimal documentation with rapid loan disbursements. So, if you are wondering how to proceed, here are some of the steps that can guide you through the entire application process:

  1. Before applying, consider checking your eligibility along with the additional fees and charges.​
  2. Visit the official Home Loan application portal.
  3. Then you will have to enter some of the basic details like employment type, net monthly income, required amount of loan, type of loan, etc.​
  4. Click on “Generate OTP”, enter the OTP that you have received on your registered mobile number, and complete the application process.​
  5. Post submission, you can expect a call from our representative within 24 hours* hours. They will walk you through the next steps. ​

*Terms and conditions apply

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Home Loan of up to Rs.4.5 Crore_PAC

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