Investing in a dream home often involves navigating through various financial options, with Home Loan being the most common choice for many. While purchasing an under-construction property offers the advantage of customisation and potential appreciation, it also comes with its own set of challenges, particularly when it comes to securing a Home Loan. Understanding the nuances of a Home Loan for under-construction properties is vital to ensure a smooth and hassle-free experience.
Features of Home Loan for Under-Construction Property
The Bajaj Housing Finance Home Loans for under-construction properties come with several benefits namely:
1. Loan Amount of Rs.5 Crore*:
Avail of a sizeable Home Loan of Rs.5 Crore* or even higher, depending on your eligibility.
2. Competitive Interest Rate of 8.50%* p.a.
Our attractive housing loan interest rate is an opportunity you don't want to miss. With a rate of 8.50%* p.a., salaried applicants can enjoy the benefit of Home Loan EMIs as low as Rs.733/Lakh*.
3. Repayment Tenor of 40 Years
To ensure convenient EMI repayment, you can opt for a longer tenor. By selecting a tenor of up to 40 years, you will be able to repay your loan amount at your own pace.
4. Customized Repayment Options
If you're interested in buying an under-construction property and wish to start paying only a portion of your EMIs, we can offer you repayment options that are tailored to your needs.
Read Also: Difference Between Home Loan and Construction Loan
5 Tips While Opting for a Home Loan for Under-Construction Property
When opting for a Home Loan for an under-construction property you can benefit from the EMI Holiday Scheme, which offers borrowers to purchase a property by paying only a part of their interest for the initial period of their Home Loan tenor. The actual EMI begins after the full disbursal of the loan or possession of the property, whichever is earlier. The considerations for a constructed or under-construction property remain the same. Here are some considerations:
1. Home Loan Amount and Eligibility
Lenders typically finance up to 80-90% of the property's value, depending on the applicant's eligibility criteria, such as income, credit score, and existing financial obligations.
2. Interest Payments
During the construction phase, borrowers are usually required to pay only the interest component of the loan amount disbursed.
3. Legal Due Diligence
Conducting thorough legal due diligence on the property and ensuring that all necessary approvals and clearances are in place is important to avoid any legal complications in the future.
4. Builder’s Reputation
Assessing the reputation and track record of the builder is essential to ensure the timely completion of the project and adherence to quality standards.
5. Loan Agreement Terms
Carefully review the loan agreement terms, including the disbursal schedule, interest rates, processing fees, and prepayment charges, to avoid discrepancies later.
Read Also: Home Loan Tax Benefits on an Under-Construction Property
*Terms and conditions apply.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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Difference Between Co-owner, Co-borrower, Co-Applicant, and Co-Signer in Home Loan2023-08-31 | 6 min
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 min
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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Benefits of a Home Loan2023-02-20 | 4 min
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Is It Mandatory to Take Insurance with a Home Loan?2023-08-01 | 5 min
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Secured vs Unsecured Loan - Know the Difference2023-08-24 | 2 min
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How to Choose the Best Home Loan?2023-08-09 | 4 min
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Difference Between Bank Rate and Repo Rate2023-09-22 | 5 min
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Increase or Decrease Effects of Repo Rate2023-08-29 | 7 min
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Understanding the Benefits of a Home Loan EMI Calculator2023-07-12 | 5 min
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Tips to Avoid Rejection of Your Home Loan Application2023-08-01 | 3 min
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Check Housing Loan Eligibility with Home Loan Eligibility Calculator2023-07-12 | 5 min
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Tips to Get Home Loan with Minimum Down Payment in India2023-07-11 | 5 min
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Factors That Determine Your Home Loan Eligibility2023-07-24 | 8 min
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Differences Between Repo Rate and Monetary Policy Tools2023-07-28 | 5 min
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What Happens to a Home Loan in the Case of the Borrower's Death?2023-04-17 | 4 min
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Taking a Home Loan to Buy a Property for Investment? Here Are 5 Points to Consider2023-04-17 | 5 min
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Know All About the HRA Benefit on Payment of House Rent2023-04-03 | 6 min
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A Guide to Statutory Liquidity Ratio2023-02-22 | 5 min
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Get Your Down Payment Funds Ready with These 5 Easy Steps2023-03-20 | 5 min
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5 Strategies to Manage High Home Loan EMIs Effectively2023-02-22 | 6 min
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Why Is Credit Score Important for Home Loan Lenders?2023-03-21 | 5 min
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Importance Of a Good Credit Score in The Home Loan Process2023-03-20 | 4 min
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Home Loan EMI Calculator Benefits and It’s Features2023-02-21 | 4 min
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4 Key Benefits of Home Loan Balance Transfer to Bajaj Housing Finance Limited2023-01-09 | 5 min
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Five Important Factors to Keep in Mind When Prepaying Your Home Loan2023-01-17 | 6 min
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A Step-by-Step Guide to Home Loan Balance Transfer Application2022-12-20 | 6 min
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Factors to Consider Before Opting for Home Loan Balance Transfer2022-12-14 | 5 min
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Top Things to Keep Track of While Doing a Home Loan Balance Transfer2022-12-18 | 7 min
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Smart Things to Consider Before You Apply for a Home Loan2022-12-14 | 5 min
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Factors to Consider Before Applying for a Home Construction Loan2022-12-02 | 5 min
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6 Point Differentiation Between Home Loan Vs Home Construction Loan2023-02-15 | 6 min
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Which is the Best Option: Land Purchase Loan or Home Loan?2023-02-01 | 6 min
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10 Reasons Why a Housing Loan Application May Be Rejected2023-02-20 | 3 min
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Why Should You Choose a Balance Transfer on Your Home Loan?2023-02-01 | 4 min
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What Factors Decide Your Home Loan Interest Rates?2023-05-29 | 6 min
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All About Home Loan Balance Transfers2022-06-22 | 4 mins
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The Importance of a Home Loan NOC2023-01-31 | 7 min
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Five Tips to Choose the Right Digital Platform for Home Loans2023-02-09 | 3 min
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[N][T][T]Types[S]of[S]Home[S]Loans[S]Available[S]in[S]India[N][T]
Types of Home Loans Available in India2022-06-28 | 5 Min
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How to Pick the Best Home Loan Tenor that Suits Your Budget