Does Bajaj Housing Finance charge a processing fee?

Yes. Processing fees are charged as per the applicable home loan scheme.

Are there prepayment charges?

No. Floating-rate home loans generally have no prepayment penalties.

Can I transfer my existing home loan to Bajaj Housing Finance?

Yes. Bajaj Housing Finance offers home loan balance transfer facilities.

What is the maximum tenure available?

Bajaj Housing Finance offers home loan tenures of up to 32 years.

Bajaj Housing Finance Home Loan

Get financing for your dream home with Bajaj Housing Finance. Enjoy competitive interest rates, quick approvals, and a fully digital application process.

Interest Rate

7.20% p.a. onwards

Processing Fee

5k +GST

Max Tenure

32 Years

Max LTV

Up to 90%

Why apply with butter.money?

Instant eligibility check within 2 minutes

100% digital and paperless process

Dedicated loan expert for your application

Higher chances of approval with smart matching

Exclusive cashback on processing fees

About Bajaj Housing Finance Home Loan

Bajaj Housing Finance Home Loan helps you buy, construct, renovate, or refinance your home with attractive interest rates and a seamless digital experience.

Loan tenure up to 32 years

Quick approval process

Fully digital journey

Balance transfer facility available

Top-up loan options

Flexible repayment options

Bajaj Housing Finance Interest Rates 2026

Based on CIBIL Score & Loan Amount

CIBIL Score	Interest Rate
825+	7.20%
800–824	7.40%
750–799	7.70%
Below 750	As per eligibility

Fees & Charges

Processing FeeUp to 4.00% of Loan Amount

Prepayment PenaltyNil for floating-rate loans

Legal & Valuation FeeAs per actuals

Late Payment PenaltyApplicable on overdue EMI

Popular Bajaj Housing Finance Schemes

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
Bajaj Home Loan	Home purchase	7.20% onwards
Plot Loan	Plot purchase	7.20% onwards
Balance Transfer	Existing loan transfer	7.20% onwards
Top-Up Loan	Additional funding	7.20% onwards