A home loan is a secured borrowing that helps an individual finance the purchase, construction, or improvement of a residential property, repaid in instalments over an agreed period while the property serves as collateral. Borrowers typically use it to buy a ready or under-construction house or flat, or to build on a plot they own.
Bajaj Housing Finance, a housing finance company established in 2015, positions its home loan around a largely online journey, with digital application and approval, e-signing of the loan agreement, and account management through its customer portal and mobile app. The page emphasises convenience for applicants, including a doorstep service to collect documents, and flexibility in how the loan is structured and repaid, such as options suited to under-construction properties and facilities to make part-prepayments or foreclose.
It also highlights the ability to transfer an existing home loan from another lender and to seek an additional top-up amount, subject to eligibility. Interest may be linked to an external benchmark, and applicants are pointed to potential income-tax benefits available on home loan repayment under prevailing rules. Whether a loan is sanctioned, and on what terms, depends on the applicant's eligibility, income, property, and documentation as assessed by the lender.
At 7.25%, Bajaj Housing Finance has one of the lowest starting rates of the 20 lenders we track for home loans.
The upper age limit is set so the loan closes by retirement.
Tax: principal up to ₹1.5L under 80C and interest up to ₹2L under 24(b) per year for a self-occupied home (subject to conditions). Confirm with a tax adviser.
Most home loans are floating (EBLR/repo-linked). Floating-rate loans to individuals carry no foreclosure charge, so you can prepay freely — usually the better choice unless you specifically need rate certainty.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.