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Home Loan of up to Rs.6 Crore: Overview_WC

Home Loan of up to Rs.6 Crore: Overview

Bajaj Housing Finance Home Loan comes with a host of benefits such as flexible repayment tenor, competitive interest rates, quick disbursal, etc. making it the trusted lender of choice.

Home Loan of up to Rs.6 Crore: Interest Rate and EMIs

Interest Rates for a Home Loan of up to Rs.6 Crore

Our Home Loan interest rates start at 8.50%* p.a. for salaried applicants. However, the final interest rate to be offered to a borrower is decided based on several different factors, such as the borrower’s age, monthly income, credit score, etc.

Home Loan of up to Rs.6 Crore: Interest Rate and EMIs

EMIs for Rs.6 Crore Home Loan over Various Tenors

The table below breaks down the possible EMI amounts for time periods ranging from 10 years to 40 years, keeping the interest rate standard at 8.50%* p.a.

Loan Amount (in Rupees) Tenor EMI (in Rupees)
6 Crore 40 years 4,39,856
6 Crore 30 years 4,61,348
6 Crore 25 years 4,83,136
6 Crore 20 years 5,20,694
6 Crore 15 years 5,90,844
6 Crore 10 years 7,43,914

Home Loan of up to Rs.6 Crore: Features and Benefits_WC

Features and Benefits of Rs.6 Crore Home Loan

Low Interest Rates 

One of the key offerings of a Bajaj Housing Finance Home Loan are the low interest rates. We sanction loans at interest rates as 8.50%* p.a. for salaried applicants, basis eligibility.

Sizeable Top-up Loans 

If you choose to transfer your Home Loan to us, you can benefit from a top-up loan of up to Rs.1 Crore, apart from hassle-free procedures.

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 loan repayment less burdensome. 

Zero Prepayment and Foreclosure Charges 

Individual borrowers on a floating rate of interest can choose to repay their Home Loan at any given time without paying any foreclosure or prepayment charges. 

Easy-to-Meet Eligibility Criteria 

Our eligibility criteria are easy and simple to meet. This makes getting approved for a loan with us easy and simple. 

Home Loan of up to Rs.6 Crore: Eligibility Criteria

Eligibility Criteria for a Home Loan of Rs.6 Crore

Here are our qualifying criteria for a Home Loan for salaried and self-employed individuals.

Eligibility Criteria for Salaried Employees 

  • The applicant can be a resident citizen of India or NRI.
  • They should be between 23 and 75 years** of age 
  • They should be able to show at least 3 years of work experience. 

Eligibility Criteria for Self-Employed Individuals 

  • The applicant must be an Indian (Resident)
  • They should be between 25 and 70 years** of age 
  • They should be able to show at least 5 years of 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.6 Crore: Documents Required

Documents Required for a Home Loan of Rs.6 Crore

Please keep the following documents ready to experience a hassle-free, smooth and quick Home Loan application process with us.

  • Under address and identity proof documents category, you can submit your Aadhar Card and 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. 
  • Other than the documents mentioned above, please also keep some passport-size photographs handy with you.

Please note that this list is only indicative, and it is mandatory to submit your PAN Card or Form 60. 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.

How to Apply for a Home Loan of up to Rs.6 Crore​

How to Apply for a Home Loan of up to Rs.6 Crore​

​​​Here are the steps guiding you to apply for a Home Loan of up to Rs.6 crore:​​

  1. To apply, navigate to our Home Loan application page.​​
  2. Click on the “New Loan” option and from this page you can even resume your application, if there is an incomplete application to continue with. Then fill-in some of the basic details like your name, mobile number, net monthly income, total monthly obligations etc.​
  3. Then click on “Continue” and enter the OTP to validate your contact number.​​ ​​​With Bajaj Housing Finance Home Loan application more got way more convenient than before, now you can even book your Home Loan without downloading any app by just simply texting “Hi” to “7507507315” from your Whatsapp.​​

​​​Here are the whatsapp application steps given below:​​

You can start the process by simply sending “Hi” to “7507507315”​

  1. Then our whatsapp bot will ask you to enter some of your basic details like your monthly income, employment type, type of loan etc.​
  2. From there you can simply check your eligible offers.​
  3. To download your in-principal digital sanction letter you will have to make a payment of Rs. 1999+ GST through your desired payment mode.​

*Terms and conditions apply.

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