Bajaj Housing Finance home loan review
Bajaj Housing Finance's home loan rates, fees, eligibility and prepayment terms — verified as of June 2026. Rates are indicative and repo-linked.
By NexMaxo Editorial Team · Rates verified June 2026· indicative & repo-linked
The “View” link may be an affiliate link — we may earn a commission at no extra cost to you; it never affects this review. How we make money →
Bajaj Housing Finance home loan at a glance
Salaried from 7.25% (7.25%–10.25%); self-employed from 7.70%
- Processing fee
- Nominal fee at application (varies)
- Max tenure
- Up to 32 years
- Prepayment
- Nil on floating-rate loans to individuals (RBI rule)
- Eligibility
- Salaried 23–67, self-employed 25–70; NRIs eligible
Good to know
- Floating-rate home loans to individuals are penalty-free to prepay (RBI rule) — so you can close early or part-prepay at no charge.
- The starting rate is the best case — it goes to high-credit-score borrowers with a lower loan-to-value. Most applicants are offered a higher rate.
- Rates are repo-linked and change with the RBI repo rate — confirm the current rate, fee and LTV on Bajaj Housing Finance's official page before applying.
Compare Bajaj Housing Finance
See all 8 lenders comparedBajaj Housing Finance home loan — FAQs
Bajaj Housing Finance's home loan rate is Salaried from 7.25% (7.25%–10.25%); self-employed from 7.70%. Home-loan rates are repo-linked, so they move with the RBI repo rate, and your spread depends on your credit score, loan amount and loan-to-value. The lowest rate goes to the strongest profiles — treat this as indicative and confirm your offer.
Nil on floating-rate loans to individuals (RBI rule). The RBI bars prepayment and foreclosure penalties on floating-rate home loans to individual borrowers, so you can prepay a floating-rate loan early at no charge. Fixed-rate variants may differ — confirm your rate type with the bank.
Nominal fee at application (varies). The processing fee is a one-time charge (plus any legal and valuation fees) — and lenders often waive or reduce it during festive promotions, so it's worth asking.
Salaried 23–67, self-employed 25–70; NRIs eligible. These are indicative criteria — approval, the rate offered and the loan-to-value depend on the lender's assessment of your profile, income and the property.
This is an informational review, not financial advice or a loan offer. Home-loan rates, fees and limits are indicative, repo-linked and profile-dependent. Confirm current terms on Bajaj Housing Finance's official page, and borrow only what you can comfortably repay.