Overview of a Housing Loan in Gurugram
Gurugram has witnessed rapid urbanisation in the last few decades. The city’s development policies have paved the way for the establishment of various industries in the fields of manufacturing, infrastructure, and IT. To help homebuyers realise their dream of owning a home in Gurugram, Bajaj Housing Finance offers sizeable Home Loans starting at competitive interest rates.
Features and Benefits of a Home Loan in Gurugram
Interest Rate of 7.49%* p.a.
Salaried applicants can avail of a Home Loan at an attractive interest rate starting as low as 7.49%* p.a.
Easy Balance Transfer
Transfer your existing Home Loan to Bajaj Housing Finance with minimal paperwork and avail of a Top-up Loan of Rs.1 Crore* or higher, basis eligibility.
Flexible Repayment Tenure
Our flexible tenure of up to 32 years ensures comfortable repayment.
Zero Prepayment and Foreclosure Charges
No additional charges are levied on the prepayment or foreclosure of floating interest rate Home Loans for individuals borrowers.
Online Account Management
Through our customer portal, you can complete a range of functions online, such as downloading your SOAs or catching up with your delayed EMI payments.
Calculations Made Easier
Access the online eligibility calculator to check if you qualify for a Home Loan. Use the EMI calculator to estimate your EMIs for a given loan amount and tenure. You can also view your repayment schedule for a detailed breakdown of your EMIs.
Interest rate for a Home Loan in Gurugram
Bajaj Housing Finance Home Loans comes with attractive interest rates starting at 7.49%* p.a. for salaried applicants. To know more about our Home Loan interest rate in detail, click here.
Documents Required for a Home Loan in Gurugram
Applying for the Bajaj Housing Finance Home Loan is easy with minimal paperwork. You only need to submit the following documents***:
- KYC documents (including address and identity proof)
- Mandatory documents (PAN Card or Form 60)
- Income documents (based on your borrower profile such as salary slips and P&L statement)
- Bank account statements for the last 6 months
- Proof of business
- Passport-sized photograph
- Property papers such as Sale Agreement and Allotment Letter
***This list of documents is indicative, and you may be required to submit others during your application, if needed.
Eligibility Criteria for a Housing Loan in Gurugram
The eligibility criteria of Bajaj Housing Finance are easy to meet.
| Eligibility Criteria | Requirement |
|---|---|
| Citizenship | Salaried: Indians (including NRIs) Self-employed: Indians (residents) |
| Age | Salaried: 23 to 67 years** Self-employed: 23 to 70 years** |
| Work experience | Salaried: Minimum 3 years Self-employed: Minimum 3 years |
**The maximum age 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.
Steps to Apply for a Home Loan in Gurugram
Get started with the application process right away with these simple steps:
- Visit our Home Loan application form.
- Enter your personal details, such as name, type of occupation, pin code, mobile number, and other personal details. Also, select your loan type.
- Proceed to generate and enter the OTP.
- Fill in the required details related to your property and finances.
- Submit the form.
Once you submit the application form successfully, our representative will get in touch with you shortly.
*Terms and conditions apply.
You can apply for a Home Loan in Gurugram with Bajaj Housing Finance and experience quick disbursal within 48 Hours* post document verification.
The documents*** required to apply for a housing loan in Gurugram are:
- KYC Documents: Proof of address and identity
- Mandatory Documents: PAN Card or Form 60
- Photographs: Recent passport-sized photos
- Income Proofs: Form 16 or recent salary slips (for salaried applicants) and Income Tax Returns (ITR) and Profit & Loss Statements for the past 2 years (for self-employed applicants)
- Bank Statements: Last 6 months' bank statements
- Business Proof (for self-employed individuals or businessmen): Document confirming at least 3 years of business operation
***This is an indicative list of documents.
With Bajaj Housing Finance, you can apply for a Home Loan in Gurugram and secure a loan amount of Rs.5 Crore* or more, based on your eligibility.
To apply for a Home Loan in Gurugram, salaried applicants should be within the age range of 23 to 67 years**. Self-employed applicants should be between 23 and 70 years** of age.
**The upper age limit is considered as the age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
You can estimate the loan amount you can be eligible for on a salary of Rs.40,000 by using our housing loan eligibility calculator.
You can avail of a Home Loan in Gurugram with Bajaj Housing Finance and enjoy a long repayment tenure of up to 32 years.
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