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Home Loan Up to 70 Lakh: Overview_WC

Rs.70 Lakh Home Loan Detail

Before initiating a search for the dream house, you should have some idea about the Home Loan amount you will be eligible for based on your salary. If you are looking to buy a house that costs you around a Crore or close to that, you may need a Home Loan worth Rs.70 Lakh. If you need a Home Loan of up to Rs.70 Lakh, you may be required to fit into particular criteria. Bajaj Housing Finance offers Home Loans of up to Rs.70 Lakh to eligible applicants. Let us understand in detail.

Features and Benefits Home Loan of up to Rs.70 Lakh_WC

Features and Benefits of Rs.70 Lakh Home Loan

If you are looking for a Home Loan of up to Rs.70 Lakh, you can enjoy several benefits by opting for Bajaj Housing Finance.

High Loan Amount

Even if your requirement is of Rs.70 Lakh, you may get a higher sanction in case you choose to upgrade your purchasing potential and you earn enough to fit into a higher bracket. As such, you can avail of a housing loan of Rs.5 Crore* or even higher, basis eligibility.

Long Repayment Tenor

A long repayment tenor of 40 years helps you pay comfortably and reduces your burden.

Competitive Interest Rate

Our interest rates start as low as 8.50%* p.a. for salaried individuals giving you an opportunity to start easy.

Minimal Documentation

In this age and time, we believe speed is the key – which is why our documentation process is minimal and to the point.

Sizable Top-up Loan

Buying a home is just the beginning, there are so many things that come with it such as interior and aesthetics. You can get a Top-up loan of Rs. 1 Crore* to fund your housing needs.

Disbursal in 2 days*

Home loan applicants can expect to receive their sanction within 48 Hours*, following the approval of their application and documentation verification.

Documentation required for a Home Loan of Rs.70 Lakh_WC

Documentation required for a Home Loan of Rs.70 Lakh

Whether you are a self-employed businessman or a salaried professional, you are eligible for a home loan of Rs.70 Lakh if you satisfy the below criteria:

For Self-Employed Individuals

  • Mandatory documents (PAN card or Form 60)
  • KYC documents to verify identity
  • P&L statements plus other documents indicating a steady flow of income from the existing business in operation for more than 5 years
  • Proof of business
  • Property related documents such as title deed, property tax receipts, and allotment letter

For Professionals and Salaried Employees

  • Mandatory documents (PAN card or Form 60)
  • KYC documents to verify identity
  • 3 months’ salary slips
  • Educational certificates for doctors and a valid COP for CAs
  • Employment proof
  • Property related documents such as title deed, property tax receipts, and allotment letter

Note: This list is only indicative and additional documents may be asked during loan processing.

Eligibility Criteria For Home Loan up to Rs.70 Lakh_WC

Eligibility Criteria for Home Loan of up to Rs.70 Lakh

Salaried individuals Self-employed individuals
3 years’ work experience 5 years business vintage
Indian (including NRI) Indian (residents only)
23 to 75 years** of age 25 to 70 years** of age

**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.

EMIs for a Home Loan of Rs.70 Lakh Over Various Tenur_WC

EMIs for a Home Loan of Rs.70 Lakh Over Various Tenure

A Home Loan EMI calculator can be used to calculate the EMIs on a housing loan, allowing you to know the payable EMI and interest in advance. The EMI for a Home Loan of Rs.70 Lakh is shown in the table below for various repayment tenures.

Rs.70 Lakh Home Loan EMI for 40 years

Loan amount Tenure Interest EMI
Rs.70 Lakh 40 years 8.50%* p.a. Rs.51,317

Rs.70 Lakh Home Loan EMI for 30 years

Loan amount Tenure Interest EMI
Rs.70 Lakh 30 years 8.50%* p.a. Rs.53,824

Rs.70 Lakh Home Loan EMI for 20 years

Loan amount Tenure Interest EMI
Rs.70 Lakh 20 years 8.50%* p.a. Rs.60,748

Rs. 70 lakh home loan EMI for 10 years

Loan amount Tenure Interest EMI
Rs.70 Lakh 10 years 8.50%* p.a. Rs.86,790

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

Steps to Apply for a Home Loan of up to Rs.70 Lakh

Steps to Apply for a Home Loan of up to Rs.70 Lakh

You can apply for a Home Loan of up to Rs.70 Lakh with Bajaj Housing Finance by following these simple steps:

  1. Navigate to our Home Loan application form.
  2. Enter your personal details such as name and mobile number.
  3. Select your occupation and loan type and provide your PIN code, the loan amount you require, and net monthly income.
  4. Click ‘Receive OTP’.
  5. Enter your OTP to validate your number.
  6. Enter your PAN, monthly obligation, and other details, which can vary depending on your loan and employment type.
  7. Click ‘Submit’ to submit the form.

Once you have filled in all the details, a Bajaj Housing Finance representative will connect with you to walk you through the following steps.

*Terms and conditions apply.

Home Loan 70Lakh _RAC_WC

Home Loan up to Rs. 70 lakh_PAC_WC

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