Home Loan of up to Rs.4 Crore: Overview
If you are looking for a Home Loan that accommodates your housing dreams without placing a constraint on your budget, availing of our high-ticket-sized loans may be the right path for you. We offer Home Loans at competitive interest rates with a flexible repayment tenor so that you can repay your loan conveniently.
Potential borrowers can use our free-to-use online tools such as the Home Loan EMI Calculator to help them plan their loan repayment journey and our Home Loan Eligibility Calculator to understand their eligibility.
Home Loan of up to Rs.4 Crore: Interest Rate
Our Home Loan interest rates are competitive and cost-effective; however, the final interest rate that we will be able to offer you will depend on several different factors, such as your age, income and job stability, and credit score.
Home Loan of up to Rs.4 Crore: EMI Calculations
If you want to get a better understanding of the EMI for Rs.4 Crore Home Loan, make the most of our free-to-use Home Loan EMI Calculator. Here are some possible EMI calculations, based on an interest rate of 8.50%* p.a., offered to salaried applicants, with various tenor comparisons.
Loan Amount | Tenor | EMI |
---|---|---|
Rs.4 Crore | 40 years | Rs.2,93,238 |
Rs.4 Crore | 30 years | Rs.3,07,565 |
Rs.4 Crore | 25 years | Rs.3,22,091 |
Rs.4 Crore | 20 years | Rs.3,47,129 |
Rs.4 Crore | 15 years | Rs.3,93,896 |
Rs.4 Crore | 10 years | Rs.4,95,943 |
Home Loan of up to Rs.4 Crore: Features and Benefits
![](/documents/37350/58914/20-Interest+rate.webp/4c0735b4-51ba-c6e0-0246-057d82abd6da?t=1651316338117)
Competitive Interest Rates
Bajaj Housing Finance offers Home Loans at competitive interest rates to salaried, self-employed, and professional applicants.
![](/documents/37350/58914/11-Annual+savings.webp/6d2abfa9-22d4-4c4c-0920-82fc7f6e6047?t=1651316336031)
Sizeable Loan Sanction
With Bajaj Housing Finance, you can avail of a Home Loan of up to Rs.4 Crore or higher, basis eligibility, and with us, you can also expect disbursal within 48 Hours* of document submission and approval.
![](/documents/37350/58914/Minimal+Documentation.webp/040d1174-83ca-7651-4ac5-428351a09bc3?t=1651316340252)
Simple Eligibility Criteria
We have simple and easy-to-meet eligibility criteria for Home Loans of up to Rs.4 Crore, making it easier for you to avail of our loans to start your homebuying journey.
![](/documents/37350/58914/25-Part+payment+facility.webp/356885b0-c8a9-dd38-61f7-e23438561c8c?t=1651316339300)
Zero Part-Prepayment and Foreclosure Charges
Individual borrowers with floating interest rates can foreclose their Home Loan at any point during their loan repayment journey without paying any additional fees or charges.
![](/documents/37350/58914/23-online+account+access.webp/9791fb83-339b-0d72-0663-ddb31d9e30cb?t=1651316338837)
Online Account Management
Bajaj Housing Finance Home Loan borrowers can now manage their loan account while sitting within the comfort of their home using our online customer portal.
Home Loan of up to Rs.4 Crore: Eligibility Criteria
Our Home Loan eligibility criteria are easy to meet and have been designed to encourage hassle-free borrowing. Have a look our Home Loan eligibility criteria for salaried and self-employed professionals.
Home Loan Eligibility Criteria for Salaried Professionals
Here are our eligibility criteria for salaried individuals:
- The applicant can be a resident citizen of India or an NRI.
- They should be between 23 and 75 years** of age.
- The applicant should be able to show work experience of at least 3 years.
Home Loan Eligibility Criteria for Self-Employed Individuals
Here are our eligibility criteria for self-employed professionals:
- The applicant should be an Indian resident.
- They must be between 25 and 70 years** of age.
- The applicant should be able to show at least 5 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.
Home Loan of up to Rs.4 Crore: Documents Required
Bajaj Housing Finance makes the Home Loan process easy with minimal document*** requirements.
Please keep the following documents ready with you to experience quick approval and disbursal:
- Mandatory documents, such as a PAN Card or Form 60, are required at the time of loan processing.
- Under the address and identity proof documents category, you can submit your Aadhaar Card, Voter's ID, or select Utility Bills.
- Under the income-related documents category, you will be required to submit the last 3 months' salary slips, the ITR of the last 2 months, the last 6 months' bank statements, and P&L statements (for self-employed applicants).
- Please also keep all property-related documents ready with you, such as Title Deed, NOC, Registration Receipt, Sale Seed, Tax Receipts, approved project plan, etc.
Please note that this list is only indicative. We may ask you for additional documents at the time of loan processing. These requirements, if any, will be communicated to you by our team.
Home Loan of up to Rs.4 Crore: How to Apply
Now, you can avail of a Home Loan right from your WhatsApp by conversing with us. Here are the steps to apply for a Home Loan of up to Rs.4 Crore via WhatsApp:
- Send a “Hi” to our official Home Loan WhatsApp number '750 750 7315'.
- Enter your basic details, such as name, monthly net income, employment type, and required loan amount.
- Check the eligible offer and proceed to confirm it.
- To download your In-Principle Sanction Letter, pay Rs.1,999 + GST through your desired payment method.
*Terms and conditions apply.