Bajaj Home Loan Interest Rates Probably Most Suitable

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Bajaj Finance Limited offers you home loan for home renovation, house purchase, plot & property purchase at an attractive rate of interest. You can get a desirable home loan from Bajaj Finance with maximum home loan duration up to 25 years. The starting interest rate of Bajaj Home loan is 8.60%. You can get Tax benefit up to INR 2 lac under section 24 of the Income Tax Act (ITA) with your Bajaj Finance home loans. Know more about the features of Bajaj Home loans in the given article.
Features of your Bajaj Home Loans
Benefits of choosing Bajaj Finance Limited as your home loan provider are as mentioned below.
  • Loan amount: You can apply for a loan amount up to INR 3.5 crore depending on your property value and eligibility. 
  • Balance transfer: Also, you can transfer your existing home loans to Bajaj home loans for a lower home loan interest rate. The outstanding amount remains the same but your EMI might get lower.
  • Home loan top-up: Bajaj Finance Ltd. provides you top-up loan up to INR 50 lakh on your existing home loan. You can get a top-up of your home loan at minimal home loan interest rate. 
  • PMAY Bajaj housing loans: Get extra benefits on your home loans under Pradhan Mantri Awas Yojana (PMAY) as you can save up to INR 2.6 lac on your home loan interest rate.
What are the factors affecting your home loan interest rates?
  • Credit Score: If you have a low CIBIL score then there is a higher chance of getting a higher rate of interest on your Bajaj home loan. You can negotiate to lower the Bajaj home loan interest rates when you have a high credit score. 
  • MCLR Rates: MCLR is the base lending rate by which Bajaj provide you home loans, these rates can be changed within 6 to 12 months. And any changes in the MCLR affects your home loan interest rate. It means your loan interest rate will be changed according to the MCLR, this is only applicable if you have a flexible interest rate, and the rates will not change on a fixed rate of interest.
  • Value & Location of your House: The location of your house also plays a major role in determining your Home loan, because a house in the locality who has good convenience like shopping centers, grocery stores, bus stops, railway stations, banks, hospitals and schools have a higher value. This is because it would be easier for the bank or financial institute to resell your house if you default on your EMI.
Get Bajaj Home loan at affordable interest rates
Now, you can buy your house at an affordable home loan interest rates with Bajaj Finance Limited, as it provides you the lowest home loan interest rate with no hidden charges. The promotional interest rate for the salaried individual is 8.60% Bajaj home loan interest rate varies such as the regular home loan interest rate for a salaried individual ranges from 9.05% to 10.30% whereas regular interest rate for the self-employed individual is at 9.35% to 11.15%. Bajaj home loan floating reference rate for the salaried & self-employed individual is 20.90%.
Location: India

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