What is the eligibility criteria for a Rs.25 Lakh Home Loan?

The eligibility criteria for a Rs.25 Lakh Home Loan are as follows: For Salaried Applicants: Must be an Indian citizen (including NRIs) Age should range between 23 and 67 years** Should have a minimum of 3 years of work experience For Self-Employed Applicants: Must be an Indian resident Should be between 23 and 70 years** of age Should have a minimum of 3 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.

What is the EMI for a Rs.25 Lakh Home Loan?

To calculate the EMIs for a Rs.25 Lakh Home Loan, you can use our Home Loan EMI Calculator. By entering details such as the loan amount, tenure, and interest rate, the calculator provides an estimate of your monthly repayment. For example, if you are a salaried applicant and have availed of a Rs.25 Lakh Home Loan for 20 years at an interest rate of 7.15%* p.a., your EMIs will be Rs.19,608.

What is the maximum repayment tenure for a Rs.25 Lakh Home loan?

When you apply for a loan with us, the repayment tenure for a Rs.25 Lakh Home Loan extends up to 32 years.

Can I get a Rs.25 Lakh Home Loan with a low credit score?

Ideally, to secure a Rs.25 Lakh Home Loan on favourable terms, it is advisable to maintain a CIBIL score of 750 or higher. A lower credit score may result in higher interest rates.

What will be the EMI for a Rs.25 Lakh Home Loan for 20 years?

If you are a salaried individual, the EMI for a Rs.25 Lakh Home Loan for 20 years at an interest rate of 7.15%* p.a. will be Rs.19,608.

What will be the EMI for a Rs.25 Lakh Home Loan for 10 years?

For a salaried individual, the EMI for a Rs.25 Lakh Home Loan for 10 years at an interest rate of 7.15%* p.a. will be Rs.29,221.

Can I prepay or foreclose a Rs.25 Lakh Home Loan without penalties?

Yes, you can prepay or foreclose your Home Loan of Rs.25 Lakh without paying any additional fee, if you are an individual borrower and have availed of a loan at a floating interest rate, however, for individual and non-individual borrowers who have availed of a loan for business expenses.

Home Loan of 25 Lakhs | Flexible Tenure & Low EMI Options

Rs.25 Lakh Home Loan - Details

Individuals planning to buy a residential property can choose Sambhav Home Loan to fulfil their housing needs with ease. If you are looking to avail of a Rs.25 Lakh Home Loan, Bajaj Housing Finance offers a simplified financing solution with easy documentation and long repayment tenure, with the option to apply with or without income proof.

Designed for first-time homebuyers, salaried individuals, and self-employed applicants, Sambhav Home Loan offers a simplified application process with minimal documentation requirements, making affordable housing finance accessible to diverse income profiles.

Features and Benefits of Rs.25 Lakh Home Loan

Long Repayment Tenure

Manage your loan repayment comfortably with a long tenure of up to 25 years.

Simplified Eligibility Criteria

Sambhav Home Loan is designed with flexible eligibility norms, allowing eligible applicants to apply with or without income proof.

Extensive Branch Presence

Our widespread branch network across multiple locations makes it easy to access assistance, services, and support whenever required.

Hassle-free Application Process

You can apply for a Sambhav Home Loan online through our digital application process or visit your nearest branch for offline assistance.

Financing Solutions for Different Housing Requirements

A Sambhav Home Loan can be used for multiple housing purposes, including purchasing a ready-to-move-in or under-construction property, constructing a house on a self-owned plot, or renovating an existing residential property.

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Calculate Home Loan EMI

Loan AmountRs.

Rs.4 LakhRs.15 Crore

TenureYears

5 Years32 Years

Interest Rate%

1%15%

Your EMI is Rs. 0

Total Interest

0.00%

Rs. 0.00

0.00%

Total Payable Amount

Rs. 0.00

View Repayment Schedule

Repayment Schedule

Date

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Home Loan Balance Transfer Calculator

Home Loan EMI Calculator

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Income Tax Calculator

Annual Percentage Rate Calculator

Eligibility Criteria for a Home Loan Worth Rs.25 Lakh

Our eligibility parameters for Sambhav Home Loans are easy to meet:

Salaried Applicants

Must be an Indian citizen (including NRIs)
Should be aged between 23 and 67 years**
Must have a minimum of 3 years of work experience

Self-Employed Applicants

Must be an Indian citizen
Should be within 25 and 70 years**
Must have a business vintage of at least 3 years

**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.

Documents Required to Apply for a Rs.25 Lakh Housing Loan

When applying for a housing loan of Rs.25 Lakh, you need to submit a few documents***, such as your KYC documents, financial documents, address proof, and property-related documents. To know more about the list of documents, click here.

***This is an indicative list.

Steps to Apply for Sambhav Home Loan of up to Rs.25 Lakh

To apply for Sambhav Home Loan of Rs.25 Lakh with Bajaj Housing Finance, you can either visit your nearest branch or complete the online application process by following these simple steps:

Go to our Home Loan application form.
Choose your preferred loan type and employment category.
Enter your basic personal information, including your name, mobile number, and employment details.
Provide the necessary financial information required for your application.
Fill in the remaining details as requested in the form, depending on your employment type.
Review the information and click on ‘Submit’ to complete your application.

Once your application is submitted, a Bajaj Housing Finance representative will contact you within 24 hours* to assist you with the next stages, including document verification and processing.

*Terms and conditions apply.

Frequently Asked Questions

Sambhav Home Loan offers a long repayment tenure of up to 25 years.

Yes, eligible applicants can apply for a Sambhav Home Loan even without income proof, subject to assessment.

Applicants are generally required to submit mandatory KYC and property-related documents such as PAN Card or Form 60 (applicant who does not have a PAN Card can submit Form 60), address proof, Aadhaar-related documents, property papers, and recent photographs. Self-employed applicants may also need to provide business vintage proof. Additional documents may be requested during the loan processing stage.