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    Bajaj Finserv Home Loan Transfer

    We found 0 Bajaj Finserv Home Loan Transfer

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    Bajaj Finserv Home Loan Transfer is Rated as "Pretty good" by 13 Users

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    Home Loan BYTES FROM OUR KITCHEN

    Bajaj Finserv Home Loan Transfer:

    Bajaj Finserv is one of India’s most diversified non-banks offering a plethora of financial solutions. Bajaj Finserv offers customers the facility to switch to their plan in case they are unhappy with their present home loan plan. Balance Transfer implies you can refinance or transfer the remainder of your loan amount to some other financial institution in case you get better terms and conditions. At Bajaj Finserv, to avail this facility, all you have to do is find the total savings on the home loan balance transfer and fill an online application form for home loan balance transfer. The online home loan balance transfer from other banks to Bajaj Finserv can be processed within 4 days with minimum paperwork.

    Advantages of Bajaj Finserv Loan Transfer:

    Bajaj Finserv comes with many advantages such as:

    • Instant Online Loan Approval: Borrowers who are dissatisfied with their present lender and wanting to opt for a home loan transfer with Bajaj Finserv can apply for it online, which gets instantly approved.
    • Online Application: Applicants wanting to refinance through Bajaj Finserv can apply online and do not have to visit Bajaj Finserv physically.
    • No Hidden Fees: There are no hidden charges when applying for a home loan transfer from other bank to Bajaj Finserv.
    • Minimal Documentation: The loan transfer process does not require you to submit a long list of documents.
    • Additional Top-Ups at Affordable Rates: You can also go for a top-up over the loan at an affordable rate, along with the loan transfer.
    • Online Account Access: Bajaj Finserv enables its borrowers to access their loan account by logging in to their official website. You can visit the home loan digital customer portal and obtain information on interest certificate, payment schedule and repayment status, etc.
    • Customized Insurance Schemes: Bajaj Finserv lets borrowers opt for insurance schemes based on their needs and requirements.

    To top these all, Bajaj Finserv also gives some bonus facilities such as:

    • No Foreclosure Charges: Borrowers opting for a loan transfer with Bajaj Finserv will enjoy the facility of early foreclosure without the need to pay any charges to the bank. So, at any point during the tenure of the home loan, you will be allowed to foreclose your loan for free.
    • No Part Pre-Payment Charges: Once you have refinanced your home loan, the financing institution allows you to prepay any amount towards the loan. However, the prepayment should not be any less than a total of 3 EMIs. No penalty is charged to avail this facility.
    • 3 EMI Holiday: Bajaj Finserv Loan Transfer has this attractive feature where it allows its borrowers a three-month EMI grace period, where the borrower who has refinanced through Bajaj Finserv will not have to pay any fine for not paying EMIs for up to three whole months, giving borrowers a relaxed window to manage their finances.

    Features of Bajaj Finserv Home Loan Transfer:

    Top-up Loans:

    If you decide to go for the home loan balance transfer, you will also get an option of a top up loan available at a minimal interest rate. The loan amount that can be used according to your wish, from a holiday to home improvement purposes.

    Refinance:

    If borrower has bought property within a span of 12 months using their own money, he or she can avail Bajaj Finserv’s refinance option and get a housing loan grant up to the property’s registered value.

    How is Bajaj Finserv Loan Transfer Useful?

    Transferring your home loan with Bajaj Finserv can prove useful in the following ways:

    • Allows borrowers to save additional money.
    • Helps borrowers lower EMIs and thereby lower loan repayments.
    • A balance transfer gives you the option of choosing affordable interest rates, making your home loan a lesser burden on you.
    • The loan transfer facility also lets borrowers choose repayment options based on their situation and ability.

    FAQs:

    1. What are the insurance schemes that I can avail if I opt for a Bajaj Finserv Home Loan Transfer?

      Bajaj Finserv offers HDFC Life Group Credit Protect Plus, which is a customized insurance policy that offers protection to the family members of the insured member in case of critical illness or death.

    2. What does a 3 EMI Holiday mean when I opt for a home loan transfer with Bajaj Finserv?

      The company provides a three month EMI grace period where you do not have no penalty is charged for non-payment of EMIs up to three months.

    3. How can I access my home loan account at Bajaj Finserv if I refinance my home loan with the company?

      You can log in to the home loan digital customer portal and access all the information you need on your home loan account.

    4. If I am currently paying for a home loan against a property purchased two years ago, can I opt for a refinance option with Bajaj Finserv?

      No, the property that you want to refinance should have been purchased within the last 12 months with your own money.

    5. Will I be charged foreclosure charges if I decide to foreclose my home loan after taking a home loan transfer?

      No, Bajaj Finserv does not levy any foreclosure charges even if you foreclose your loan at any time within the tenure.

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  • Bajaj Finserv Home Loan Transfer Reviews

    • Bajaj Finserv Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I appreciate the services and approach of Bajaj Finserv for the home loan. They were very attentive and also very flexible and negotiable on the processing charges. The information was clear and there were no other charges taken. They came in terms as per my requirement, it clearly showed that they value a customer.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Mar 04, 2017
    • Bajaj Finserv Home Loan
      "Pathetic experience "
      0.5 0.5/5 "Unacceptable"
      To reduce the rates for the home loan they are charging me switch fee which is almost 9000. I dont know why should I pay them switch fee. If RBI has reduced the rates they should reduce it as well. They just want to buy time to process the request and dont want to reduce the rates. And on top of that extra money to reduce the rates. Never go with Bajaj FinServ.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Feb 21, 2017
    • Bajaj Finserv Home Loan
      "BEST"
      0.5 4.0/5 "Great!"
      Bajaj Finserv gave the opportunity to close the mortgage loan and the previous home loan. The process was little delay but it completed smoothly. Interest rate offered for the home loan is nearly 10% . Paper works are less. The processing fee was 2% on the loan amount.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 08, 2016
    • Bajaj Finserv Home Loan
      "Good option..."
      0.5 4.0/5 "Great!"
      Bajaj Finserv has offered the better rate of interest for the home loan and I did balance transfer. Overall the whole process took a way long period and that is the only issue that I had faced. Customer service is satisfactory. Processing charge is high.
      Was this review helpful? 4
      , pune
      Reviewed on Feb 25, 2016
    • Bajaj Finserv Home Loan
      "Flexible..."
      0.5 4.5/5 "Excellent!"
      Bajaj Finserv has offered the home loan with least processing charge and sanction loan amount is high. Over draft facility is there in Bajaj for their clients. Interest rate is average amongst the industry. They are flexible with their customers.
      Was this review helpful? 4
      , ghaziabad
      Reviewed on Dec 09, 2015
    • Bajaj Finserv Home Loan
      "Bit complicated"
      0.5 3.0/5 "Satisfactory"
      Bajaj finserve housing loan is the good. The only thing is the turn around time is not that good. They have offered the loan before 6 months. Interest rate is good iss competitive. There was some difficulties the legal papers were quite difficult and some how I managed it.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 23, 2015
    • Bajaj Finserv Home Loan
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My home loan was disbursed by Bajaj Finserv within 20 days with the rate of interest 9.75% and the processing fee was same comparing with other banks.The required documents were mentioned on the website it self so the process went on smoothly.
      Was this review helpful? 5
      , pune
      Reviewed on Sep 04, 2015
    • Bajaj Finserv Home Loan
      "Don't go for this loan if you have an option"
      0.5 0.5/5 "Unacceptable"
      Interest rate will be very different from what they advertise and will be very higher compared with other banks. The advertised rate will be only for couple of months.Their customer portal is worst and has no information of use. Their feedback mechanism is worst. No one follows up after the loan. Although no hidden charges they insist to sign for Bajaj home insurance policy along with the loan before disbursal.
      Was this review helpful? 11
      , bangalore
      Reviewed on May 22, 2015
    • Bajaj Finserv Home Loan
      "Poor Support and worst customer handling"
      0.5 0.5/5 "Unacceptable"
      Hi, Don't believe this financial institute. moreover this is not a normal one... third party daily interest local shop ...while foreclose the loan they will not have any policy which will take 30days to provide the documents. even if your have any technical fault or problem on their system side... will inform you to pay the additional interest charges even though your other bank cheque passed to their account. So please don't believe and trust bajaj as it will spoil your life.
      Was this review helpful? 12
      , chennai
      Reviewed on Apr 09, 2015
    • Bajaj Finserv Home Loan
      "Stick to the commitments!!"
      0.5 2.0/5 "Expected more"
      It was a balance transfer home loan I took it from Bajaj Finserv. Initially, they had committed that they would offer top up however finally after the disbursal, they haven't credited. Other than that, everything is fine.
      Was this review helpful? 6
      , chennai
      Reviewed on Feb 05, 2015
    • Bajaj Finserv Home Loan
      "Fine"
      0.5 4.0/5 "Great!"
      For home loan, Bajaj Finserv offers higher interest rate which needs to be considered. Even they offer part payment option with 0% charges which is quite helpful for me. Even initial processing and disbursal was fine. Since I did get at the right time, I did get home loan.
      Was this review helpful? 6
      , bangalore
      Reviewed on Jan 04, 2015
    • Bajaj Finserv Home Loan
      "Its good"
      0.5 3.0/5 "Satisfactory"
      Bajaj Finserve housing loan is good. There is a lot of hidden cost. Where they would be charging some additional cost even when the demand draft is in transit. In other words, interest would be charged right from the date when the demand draft is dispatched. There is no charges for online payment and the payment gets reflected instantly.
      Was this review helpful? 5
      , bangalore
      Reviewed on Dec 17, 2014
    • Bajaj Finserv Home Loan
      "Good customer service"
      0.5 5.0/5 "Blown Away!"
      Customer service was very fast and quick response.Within 3 days documentation policy within a day for my home loan . Interest rates are also for all bank 10.24% in Bajaj Finserv . Only one suggestion little bit miscommunication between mail and phone . Otherwise it was okay .
      Was this review helpful? 6
      , bangalore
      Reviewed on Aug 11, 2014
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