Rs.13 Lakh Home Loan: Overview
Thinking about purchasing a residential property? With the right financing, you can ensure a seamless homeownership journey. Apply for a Home Loan of Rs.13 Lakh with Bajaj Housing Finance and benefit from attractive interest rates and customisable repayment options to fulfil your housing requirements easily.
Home Loan of Rs.13 Lakh: Features and Benefits
When you apply for a Home Loan of Rs.13 Lakh, you stand to benefit from the following:

Quick Disbursal and Flexible Repayment
We disburse the loan amount within 48 Hours* after document verification. You can repay the loan amount over a long, convenient tenor of 32 years.

Online Access to Loan Account
You can use our Customer Portal to access your loan-related documents, make prepayments, or know your pre-approved loan offers.

Extensive List of Approved Projects
With more than 6,000 approved projects, finding your dream home becomes easy. Experience hassle-free loan processing and transparent customer service before and after disbursal.

Online Tools for Better Planning
Access our EMI and eligibility calculator to know tentative EMIs, the approximate loan amount you can qualify for, and to plan your Home Loan preemptively.
Home Loan of Rs.13 Lakh: Documents Required
Keep the following document handy when applying for a Home Loan of Rs.13 Lakh:
Type of Document | Salaried Individual | Self-Employed Individual |
---|---|---|
Mandatory Documents | PAN Card or Form 60 | PAN Card or Form 60 |
KYC Documents | Recent photograph, Voter ID Card, Aadhaar Card, valid Passport, valid Driving License | Recent photograph, Voter ID Card, Aadhaar Card, valid Passport, valid Driving License |
Address Proof | Utility Bills, Ration Card, or Passbook | Utility Bills, Ration Card, or Passbook |
Proof of Income | 3 months’ salary slips and Statements of your primary account for the last 6 months | P&L Statement, ITR, and Statements of your primary account for the last 6 months |
Business Proof | Not applicable | Proof of business vintage of 3 years or more |
Property-related Documents | Title Deed, Allotment Letter, and Property Tax receipts | Title Deed, Allotment Letter, and Property Tax receipts |
Note: This is an indicative list of documents. We may request you to submit additional documents.
Home Loan of Rs.13 Lakh: Eligibility Criteria
Salaried, self-employed, or professional applicants who wish to apply for a Home Loan of Rs.13 Lakh must meet the following eligibility criteria:
Home Loan Eligibility Criteria | Salaried Applicants | Self-Employed Applicants | Self-Employed Professional Applicants |
---|---|---|---|
Residential status | Indian (including NRIs) | Indian (residents only) | Indian (residents only) |
Age | 21–75 years** | 23–70 years** | 23–70 years** |
Employment status | Work experience of at least 3 years at a public or private sector company, or an MNC | At least 3 years in the current business | A minimum of 3 years of vintage in the current enterprise |
**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.
Home Loan of Rs.13 Lakh: EMIs for Different Tenors
If you are planning to avail of a Home Loan of Rs.13 Lakh and want to calculate the applicable EMIs, use our Home Loan EMI Calculator. It estimates the EMIs quickly based on the loan amount, tenor, and interest rate and provides a detailed, month-wise repayment schedule.
Refer to the table given below to determine the EMIs for a Home Loan of Rs.13 Lakh for various tenors:
EMIs for Rs.13 Lakh Home Loan for 32 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs.13 Lakh | 32 years | 8.50%* | Rs.9,864 |
EMIs for Rs.13 Lakh Home Loan for 30 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs.13 Lakh | 30 years | 8.50%* | Rs.9,996 |
EMIs for Rs.13 Lakh Home Loan for 25 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs. 13 Lakh | 25 years | 8.50%* | Rs.10,468 |
EMIs for Rs.13 Lakh Home Loan for 20 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs. 13 Lakh | 20 years | 8.50%* | Rs.11,282 |
EMIs for Rs.13 Lakh Home Loan for 15 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs. 13 Lakh | 15 years | 8.50%* | Rs.12,802 |
EMIs for Rs.13 Lakh Home Loan or 10 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs.13 Lakh | 10 years | 8.50%* | Rs.16,118 |
EMIs for Rs.13 Lakh Home Loan for 5 Years
Loan Amount | Tenor | Interest | EMI |
---|---|---|---|
Rs. 13 Lakh | 5 years | 8.50%* | Rs.26,671 |
Home Loan of Rs.13 Lakh: Steps to Apply
Experience a hassle-free application process with Bajaj Housing Finance. Benefit from our easy online application forms and convenient doorstep document pick-up service. Here are the steps to apply for a Home Loan of Rs.13 Lakh online:
- Go to our Home Loan application form and enter your name, mobile number, and select your employment type.
- Select the loan type and enter financial details based on your employment type.
- Enter your PIN code.
- Enter the desired loan amount.
- Generate OTP and enter it.
- Fill in the required details.
- Submit the application form.
Once you submit your application, our team will reach out to you within 24 hours* to guide you through the next steps.
*Terms and conditions apply.
FAQs
You can use our housing loan EMI calculator to estimate the monthly repayment amount you may have to pay for a Home Loan of Rs.13 Lakh.
If you are a salaried applicant, you:
- Should be an Indian (including NRIs)
- Should fall within the age range of 21 to 75 years** of age
- Should have a minimum of 3 years of work experience
A self-employed applicant:
- Should be an Indian (resident only)
- Should be between 23 and 70 years** of age
- Should have at least 3 years of business continuity
**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.
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