Housing finance company
Bajaj Housing Finance
A fast-growing housing finance company known for competitive pricing and quick turnaround.
Best for: Home loan balance transfers and salaried home buyers.
Apply with pre-screening
We check your profile against Bajaj Housing's policy and others on the panel before any application.
Typical strengths
- Competitive home loan rates
- Fast processing
- Balance transfer with top-up
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by Bajaj Housing Finance under its credit policy.
Products
What we arrange with Bajaj Housing
- Home Loan
- Loan Against Property
- Home Loan Balance Transfer
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Home Loan Balance Transfer
Move an existing home loan to a lender offering a lower rate, from about 7.35% p.a., with an optional top-up for renovation or other needs. Savings often run into lakhs over the remaining tenure.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Our read
Where Bajaj Housing fits
Bajaj Housing Finance is where we look first for a balance transfer. Pricing is competitive, processing is quick by housing finance standards, and the ability to add a top-up to the transferred loan means a borrower can lower their rate and raise funds in one move rather than two.
For a salaried buyer with a clean profile and a standard property, it is also a serious primary lender rather than only a refinancing option. The speed is real and is the main reason to prefer it over a slower established name.
Worth knowing
- A balance transfer only pays once the rate gap covers the switching costs; the arithmetic decides, not the headline rate.
- A top-up raises your total debt at a longer tenure, so it is cheap money that you repay for a long time.
Our assessment, not a statement of Bajaj Housing Finance’s policy. Terms are set by the lender and can change.
Questions
Bajaj Housing: common questions
When is a balance transfer actually worth it?
When the saving over your remaining tenure clearly exceeds the processing, legal and technical costs of moving. We run that calculation for you and will tell you when the answer is no.
Should I add a top-up while transferring?
Only for something that justifies a long repayment. A top-up is cheap compared with unsecured borrowing, but you pay it back over the remaining home loan tenure.
Is it a good lender for a first purchase?
Yes for a salaried buyer with a clean profile and a standard property, where the quick processing is a genuine advantage.
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Other housing finance companys on the panel
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