Home loan in Patna from Bajaj Finserv
Patna is one of the largest cities in India. It is a prominent commercial and educational hub of Eastern India besides Kolkata.
If you plan to purchase a house in this city, apply for a home loan in Patna from Bajaj Finserv. Receive funds of up to Rs. 15 crore* at competitive interest rates.
Visit any of our 2 branches in Patna or apply for a loan online.
Features and benefits in Patna
Applicants interested in availing a housing loan in Patna can go through the products features and benefits.
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Flexi repayment plans
Ease the repayment with a flexi home loan. Pay interest only on the sum you use.
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24X7 online account management
Manage your home loan easily with our customer portal – Experia.
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Tenor up to 32 years
Use a home loan EMI calculator to find the ideal tenor based on your repayment capacity.
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Zero prepayment and foreclosure charges*
For individual and non-individual borrowers with floating interest rate loans and loan taken for non-business purposes, there will be no prepayment and foreclosure charges.
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Home loan transfer facility
Transfer existing home loan balance to Bajaj Finserv, and enjoy attractive interest rates and a top-up loan.
Patna’s economy is based on agriculture, manufacturing, and trading. The local produce is processed and exported throughout the country and abroad. Textile is another prominent industry in this region. The tourism industry in Patna significant contributes to the economy as well.
Purchasing a property in Patna can be an expensive affair, but with a home loan from Bajaj Finserv, it is no longer difficult. You can apply online, meet the eligibility criteria, and get a loan amount of up to Rs. 15 crore*.
Home loan eligibility criteria
Take a note of the eligibility criteria and documents required for a home loan in Patna from Bajaj Finserv. Check your eligibility with a home loan eligibility calculator.
Criteria |
Self-employed |
Salaried |
Age (in years) |
23 years - 70 years |
23 years - 65 years |
CIBIL score |
725 + |
725 + |
Citizenship |
Indian |
Indian |
Monthly income |
Should show a steady source of income for at least 5 years |
|
Work experience/ business continuity (in years) |
5 years |
3 years |
Use the online home loan EMI calculator and check the monthly instalment amount before obtaining a loan, so you make an informed decision.
Home loan interest rate, fees, and charges
Arrange all the paperwork before applying for a home loan. Make sure you add documents related to your other sources of income to improve your eligibility.
Types of interest rates
Factors |
Fixed Interest Rate |
Floating Interest Rate |
Interest Rate Stability |
Remains constant throughout tenure |
Can fluctuate with market conditions |
Initial Interest Rate |
Higher than prevailing market rate |
Initially lower than fixed rate |
Rate Changes |
Does not change with market |
Can change periodically |
Risk and Reward |
Protection from rate increases |
Potential savings if rates decrease |
Prepayment/Foreclosure |
May have charges |
Often more flexible with no charges |
Loan Tenure |
Often shorter |
May have longer tenure options |
Market Dependency |
Not affected by market rates |
Directly linked to market rates |
Interest rates and charges
Learn the current home loan interest rates and the additional charges applicable to your home loan.
*Terms and conditions apply
Frequently asked questions
You can get a home loan of up to Rs. 15 crore* depending on your eligibility.
You can avail of home loan at an interest rate starting from 8.50%* p.a.
