Diwali with Bajaj Finserv Home Loan Balance Transfer

Celebrate Diwali with Extra Savings on your Home Loan

There’s no time as auspicious as Diwali to buy yourself a new home. Come November and you’ll find newspapers covered with all sorts of Home Loan offers. But what if you’ve already taken up a Home Loan? Is there any way to take advantage of these festive offers on your existing loan?

Of course there is! A Home Loan balance transfer can help you exploit these discounts and offers without any hassle. But before you shift your existing loan, here’s everything you need to know about a Home Loan balance transfer.

Know about a Home Loan Balance Transfer

  • Small Changes for a Big Difference:

    Home Loans are not short-term investments and they usually involve large sums of money. Even if the new interest rates differ by just a single percentage point, it can lead to a lot of savings over the course of your loan. You’ll have to spend considerably less while clearing out the rest of your EMIs, especially if you go with a balance transfer during the early stages. To help you get on your feet after taking the loan, lenders like Bajaj Finserv also offer 3 EMI-free months after you opt for their services.

  • How a Balance Transfer Works:

    The loan balance transfer process is simple. Your current lender will need to provide you with an NOC and the details of the outstanding amount on your loan. The new lender clears out the outstanding amount and your property documents are transferred to them. When you opt for a Home Loan Balance Transfer, make sure the benefits you get from the institution are worth it. With companies like Bajaj Finserv, you get to avail of a host of features like online account access, nil foreclosure charges, and part prepayment facility and refinancing.

  • How do You Get One?:

    Applying for a balance transfer is similar to applying for a regular loan. You need to fulfil the eligibility criteria with your new lender and have a strong credit score. If you meet all their requirements, you’re good to go ahead and switch over your loan for a better deal.

  • Are there More Fees to Pay?:

    Yes, you will have to pay a processing fee to the new lender which ranges from 0.5%-1% of the loan amount, but most lenders cap this amount at INR 5000. You may also need to pay a prepayment fee to your existing lender, but most financial institutions have waived this fee. But even if you calculate all these extra expenses, you’ll still save up a lot more in the long run.

If you’re not happy with your current loan, transfer your Home Loan this Diwali with to another financier. Websites of NBFCs like Bajaj Finserv are where you should check out the offers on Home Loans during Diwali and start afresh with their exciting Home Loan balance transfer offers.

Keep in mind the fact that the faster you apply for a balance transfer, the more money you save. This is because you would’ve already paid a major part of your interest in the beginning. But it’s not just the interest rate which might lead you to switch your Home Loan. A balance transfer is a good way to increase the tenure of your loan or get a top-up if the price of your property has gone up in the period between application and disbursement.

Calculate Savings on Balance Transfer

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Give your home a bright makeover this Diwali

Come Diwali and a cleaning frenzy begins in every Indian household. From pots and pans to every inch of the curtains, everything has to be spotless and shiny. This, along with the pleasant lighting and mouth-watering food, are the main ingredients for a crackling Diwali.

This festive season, why not take your cleanliness drive to the next level and opt for home improvement. Before you raise questions about a home renovation loan, here is a quick description of how you can add some zing to your house, right in time for Diwali.

A Change would do You Good

Looking at the same setting can eventually become extremely mundane and dull. Why not switch it up and bring some personality to your living space. Usually, with the moving and settling in process, there is so much to take care of, that doing up the place is put on a backburner.

Once you are settled, though, there is a whole world of wonderful possibilities. Home improvement entails replacing your existing fixtures and furniture with something fresh and exciting.

Isn’t that swanky couch you discovered at the local furniture retailer just perfect for your living room? Wouldn’t that classy bed look great in your master bedroom? When you actually step out and take a look at what the market has to offer, you’ll discover plenty of feasible options.

The only question that remains is how to arrange for the necessary funds. To help you find the perfect look for your house, this next part deals with home improvement loan options. With the right financier, like Bajaj Finserv, you can also stand to gain instant loan approval if you are an existing customer.

Why Personal Loans Work Best for Home Improvement

A personal loan can work wonders for your home improvement initiative, a thanks to variety of features:

  • With the easy approval policy, you can get a personal loan sanctioned without going for numerous visits to banks and other financiers.
  • Generally, the pricing for premium furniture can veer dangerously high. But with a personal loan to fund your purchase, you don’t have to worry about spending according to your heart’s desire. Why, you ask? Well, a personal loan offers quick loan amount disbursement for as much as INR 25 lakhs. That should cover your lifestyle purchases without any hassles.
  • One of the biggest advantages associated with personal loans is that you don’t have to submit any collateral to get your loan application approved. This not only allows you to get the loan easily but also substantially brings down the risk associated with the transaction.
  • Unlike home loans, which have a defined purpose, personal loans can be used according to the wishes of the borrower. This level of freedom makes personal loans the ideal choice for lifestyle purchases since you can buy what you want, no questions asked.

Some Other Considerations

With a personal loan for home improvement, you can finally furnish your house the way you always wanted to. But before you apply for the loan, here are some things you should keep in mind:

  • Decide what you want to buy and then apply for a loan. This way you’ll know the exact amount to be loaned and won’t ask for an amount beyond your actual requirements.
  • While shopping, remember to stay within budget and not get carried away with the excitement of getting new furnishings.
  • Create a repayment strategy to pay off the loan beforehand. This will help you avoid excessive interest charges since the rate of interest for a personal loan is generally high.

Remember to be picky when choosing a lender. You’d be better off choosing an institution that offers a suite of services in addition to personal loan. For example, non-banking financial companies like Bajaj Finserv offer Personal Loans for all your home improvement needs with attractive features like instant approvals, online account access, and part prepayment facility.

<Click here to check your Home Loan eligibility>>

Make your Special Day Extraordinary with a Personal Loan

Indians have a strange infatuation with weddings that can’t be explained in mere words. That’s not necessarily a bad thing, though. The grandeur, frolic, and coming together of the entire family is something that cannot be recreated elsewhere. As a child and even a young adult, you might have gone to numerous weddings where everything seemed larger-than-life and intense.

What you probably didn’t realize was that tons of money and effort go into actually organising a successful wedding.

Here’s your guide to organising the perfect ceremony using a Personal Loan for a wedding.

What is Your Idea of a Perfect Wedding?

All of us are unique in our own way and have different likes and dislikes that shape our personality. What one person might find romantic and beautiful, might seem cheesy and over the top to another.

So, the first step in organising your dream wedding would be identifying your likes and dislikes and those of your partner. Collaborate with your partner to finalise a theme for the wedding and then focus on other minor details.

A well-planned approach will go a long way in making the entire process effortless and ultimately fulfilling. Things like the venue, the decorations, and the menu, need to be given extra attention on your part since they are major components of every Indian wedding. Here’s when the finance of it all plays an important part. Let’s look at why a Personal Loan is a great way to fund the biggest day of your life.

Read Blog: Your Guide to Planning a Gorgeous Indian Summer Wedding

A Personal Loan for Wedding Expenses

It’s no secret that weddings can leave a gaping hole in your finances. Obviously, arranging large amounts of cash to meet all the wedding expenses is not always possible. A Personal Loan can come to your rescue in such cases. Financiers like Bajaj Finserv give wings to your dream of having a fairy-tale wedding with their Personal Loan options. Look for loans that offer features like part prepayment facility and online account access.

Wondering what makes a Personal Loan the ideal choice for funding your wedding celebration? Here are some benefits specific to a Personal Loan:

  1. Don’t wait for ages to get your loan application approved. A Personal Loan offers instant online approval, so you don’t even have to step out of the room. Convenient, right?
  2. Weddings involve a lot of work and taking a loan only adds to the pressure. But with Personal Loans, you don’t have to worry about mortgages or collateral.
  3. You can easily procure a Personal Loan of up to INR 25 lakhs, giving you plenty of moolah to have the wedding you always dreamed of.

Even though a Personal Loan offers plenty of advantages, remember to keep a check on the expenses and make it a point of not going over your budget. You can always go online to check if you are eligible for a Personal Loan and figure out how much you can apply for. Institutions like Bajaj Finserv look into eligibility by asking you to answer a few simple questions on their website. All from the comfort of your home, you can apply for the funds you need for your dream wedding. You might also want to look into a Personal Loan for wedding rings since the overall expenses might be too much to allow you to buy a beautiful ring for your partner.

Apply for Personal Loan Online     Check your Personal Loan Eligibility

Experience this festive season at an exotic destination

Think Diwali and you’ll be flooded with childhood memories of bustling crackers, scrumptious delicacies and most importantly, bright lights everywhere. The old-world charm associated with this Indian festival can’t be replicated, but that doesn’t mean you have to stick to the same routine every time. A family trip to an exotic overseas destination can be that exciting new way to celebrate Diwali this time around.

Contrary to popular belief, Diwali is celebrated with equal passion and fervour across the globe. The tropical islands of Mauritius light up like a pretty picture on Diwali eve while Sydney and Melbourne host carnivals and festivals to celebrate the festival of light. If you choose to vacation in quaint London, be prepared to witness an awe-inspiring celebration in The House of Commons.

Even if you are the non-celebratory type, Diwali still brings the promises of paid leaves. Why not make the most of them and venture out on a trail through the breath-taking Himalayan mountains or the mystic Swiss Alps, if you want to travel abroad.

All this sounds very tempting, doesn’t it? But the expenses to be borne for such trips, tip on an equally high scale. Travel finance can be arranged in a multitude of ways ranging from saving up for an extended period of time to availing of a loan for travel. Look for the right lender to finance your travel by looking at the loan options on the market. If you’re an existing customer with institutions like Bajaj Finserv, you can opt for pre-approved offers, which could be particularly attractive to the ardent traveller.

If you opt for a loan for tour and travel, here are some essential know-hows

Get Personal

A personal loan for travel would be your best bet for a holiday loan. These easy-to-acquire loans from NBFCs like Bajaj Finserv, offer a host of benefits like no collateral, online loan approval, nil foreclosure charges, and part pre-payment facility.

Generally in Indian families, travel plans are made on the go and if the destination is international you have to be prepared to spend a lot more. Personal loans work best during such situations, i.e., where you are short on time and need an urgent source of funds. Since there is no collateral required, you can quickly apply for one and get it sanctioned.

When you take a personal loan for overseas travel, you can choose the flexi loan option and gain complete control over when and how you pay back the loaned amount. Look for financiers, like Bajaj Finserv, who offer instant approval for loans of up to INR 25 lakhs.

Budgeting Matters

A loan for vacation opens up a lot of options for you as far as travel plans are concerned. With access to money, it is easy to stray and go overboard. It’s only understandable that you’d want to make that trip to New York City just to catch the revival of West Side Story, or travel to France with the love of your life only to get that iconic shot with the Eiffel Tower. However, take into account the financial aspect and its effect on your monthly income.

Decide an itinerary in advance and stick to it. Adding to the list as you go, while adventurous, never ends well, especially when you have taken a loan to finance the trip. This doesn’t mean you have to curb your desires. Just be smart about how you plan the trip and spend your money.

Home Loan and win an Ipad

Apply for a Home Loan and Win an Ipad

If you have been planning to apply for a Home Loan, this is the perfect time to fill out that application! Bajaj Finserv has come up with an amazing Home Loan Flash Sale that will not only help you buy a home, but will also pay for the plane tickets on your next vacation.

Whether you are a first-time home buyer or are planning to buy a second home, Bajaj Finserv has a pretty awesome Home Loan offer for you. The best part? You will also get assured gifts on your Home Loan!

This special sale on Home Loans is available from 23rd to 26th September. You can apply for a Home Loan or do a Balance Transfer of your existing Home Loan, anytime during the windows given above and avail of the fantastic offers lined up especially for you. Still not convinced? Let’s take a look at why this is an amazing opportunity.

What’s in Store for You?

Bajaj Finserv is offering Home Loans at a rate of 9.75 percent, which is one of the lowest interest rates in the country.

This offer is available on fresh loan applications as well as on balance transfer loans. A balance transfer takes place when you decide to transfer your existing loan to another bank or financial institution to benefit a lower rate of interest. And, with the amazing Home Loan balance transfer offer from Bajaj Finserv, changing your Home Loan provider couldn’t be easier!

What are the Assured Gifts?

If you are applying for a Home Loan worth INR 50 lakh or more, you will get an Apple Ipad worth INR 15,000. Isn’t that an amazing deal?

How do You Apply for a Home Loan?

Applying for a Home Loan from Bajaj Finserv is very easy. All you have to do is log on to their website and fill the online KYC form. You have to apply between 23rd and 26th September to avail of this offer. Remember, your loan amount will be disbursed by 30th November 2015.

Now that you have learned about the great flash sale from Bajaj Finserv, apply for a Home Loan today and get an assured Ipad too.

Apply for Home Loan Online Check your Home Loan Eligibility

Home Loans on Diwali Occasion

Home Loans and Why Diwali is the Best Time to Get One

Investing in a home is a great way to secure a better financial future that’s free from rent. So go ahead, apply for a Home Loan this Diwali and reap the benefits.

Festive Offers

Builders provide a variety of offers during Diwali because they know that it’s the most auspicious time for most buyers to purchase a home. Discounts of up to 10% are common, but some builders are even willing to waive off ancillary expenses like stamp duty fees and floor rise charges. If you’re buying an apartment with a clubhouse in its complex, you may even be exempted from paying the customary membership fee. And these perks aren’t affected by your Home Loan Eligibility, so you won’t need to provide any loan documents before benefiting from these offers. With Bajaj Finserv, you can apply for a loan online that can be quickly approved and comes with low interest rates.

A Great Time to Furnish Your Home

Diwali is a cost-effective solution to expensive furniture. During the festive season, retail-store owners are up to their necks in business, and looking for more. So they begin rolling out the offers. People increase the frequency of their shopping visits during this time, and store owners take advantage of this by giving them more reasons to come back. They reduce prices, provide discount schemes, and even attach free merchandise to a product. So if you want to furnish your home and save money simultaneously, Diwali is the right time to do it.

A Fresh Beginning

According to custom, Diwali signifies the beginning of a new year. It’s a fresh start to life and holds the promise of a long and prosperous future. Your Home Loan can offer you the same prospects. Start life anew by buying a home during Diwali. You can move your family into a new location, maybe even one that’s in close proximity to your children’s school. A fresh start might just be what your family needs to knit itself tighter bonds.

Fewer Expenses

Rate of interest on Home Loan are relatively lower than the rates on most other loans. They also carry lengthy tenures, and repayment periods often run to over a decade. This makes settling the debt a lot less troublesome, as EMIs are low and can easily be factored into your monthly budget.

Another Factor to Consider

Most borrowers think of Diwali as the ideal time to take a loan. Its connection to growth and prosperity makes it an auspicious season to buy a home. Banks and lending institutions, like Bajaj Finserv, take advantage of this by providing Diwali offers on Home Loans during this period. You can opt for a loan that comes with features like part prepayment facility and nil foreclosure charges to make your Home Loan acquisition process even smoother. If you are looking to purchase a ready-to-move-in home, you can opt for the Home Loan + facility from Bajaj Finserv. This affords you a separate amount to spend on fixtures and fittings in your new home.

So if you’re looking to buy property this festive season, go ahead! Let the festival of lights illuminate your new home and bestow upon it everlasting prosperity.

Apply for Home Loan Online Check your Home Loan Eligibility

“When you become a leader, success is all about growing others”: Satyadeep Mishra

They say that the best way to predict the future is to invent it. And to say the least, I have been observing the constant rigor with which something new is invented with each passing day. I start with congratulating all the employees of Bajaj Finance Ltd. for helping the company achieve the 16th rank in Great Places to Work Survey (vs the 23rd rank last year). To be amongst the Top 25 Places to Work, for two years in a row stands as a testimony to our belief in improving, holistically. We were also adjudged the 2nd best in the BFSI category as compared to being ranked no. 3 last year. I firmly believe that this was unattainable without the staunch support of the organization as a whole.

One of the most celebrated CEOs and renowned authors, Jack Welch once stated “Before you are a leader, success is all about growing yourself. When you become a leader, success is all about growing others”. I begin with the premise that while employees are the biggest asset to an organization, it is equally important that they are steered by inspiring leaders, who continue to improvise the definition of performance. As an HR function, we have been in the incessant process of driving our leadership team by throwing light on the key areas that demand focus and enabling them to implement corrective measures to achieve business & employee goals. It is more like connecting dots to complete the overall picture of engaging our people to enjoy more, as they “Do More & Earn More”.

The recent past has witnessed a plethora of achievements, what with the launch of “ILLUME” our very own learning portal & a revamped “Employee Eye” our HRMS database, talent management activities like “Fulcrum” & “Change Management Workshop”, launch of Jackpot & accelerated living contests as a part of our “Pure Life” campaign and refreshing key HR policies.

Competition breeds excellence and we have been competing with our past performances with a will to out-perform every single time that we put something on the table. Apart from delivering regular events & activities, we have always strived to launch new initiatives for our employees conspicuously, to enable growth not only professionally, but on a personal level as well. We believe that unless a person is not physically fit & happy, he will not metamorphose into a successful employee. And this is exactly what has urged us to plant initiatives for their physical well-being, family connects and we are hence, trying to blend in a personal touch in our communication, rewards & recognition framework.

I still believe, we have miles to go and resting on past laurels is not the attitude that we would like to choose. I’m proud to lead a proactive, passionate & dedicated HR team and I shall strive to deliver to their expectations & set new benchmarks. Our constant endeavour to manage and develop talent pushes us into a broader discussion on “What Next?”. And I’m sure that this approach would help us get to achieve our motto – “Go for Great”.

Personal Loan offers Bajaj Finserv

Win Assured Gifts with Personal Loan Offers from Bajaj Finserv

Getting a personal loan is easy, as it doesn’t come with a specific set of guidelines that determine what you can and can’t spend on. So, if you’ve been planning to buy an expensive gadget for your home or go on a vacation, this is the best time to take a personal loan. Bajaj Finserv is offering an incredible limited-time offer on personal loans. All you need to do is go to the Bajaj Finserv website and apply for a Personal Loan between 21st to 23rd September.

Mega Personal Loan Deal

Through the Flash Sale on Personal Loans, you can claim a rare opportunity—getting unbeatable interest rates! To be precise, you can get your personal loan at the unbelievable interest rate of 13.49%. And, that’s not all, folks! The awesomeness continues, as you’ll also stand a chance to win some amazing vouchers, along with your loan. Sounds like something you would be interested in? Well, let’s bring the offer into the limelight.

By participating in this flash sale, you can avail of some great deals and assured gifts on personal loans. Here’s what’s in store for you with this sweet personal loan deal:

  • Gift Card worth INR 10,000 for all personal loans greater than INR 4 lakh and less than/equal to INR 5.99 lakh.
  • Apple Ipad worth INR 15,000 for all personal loans greater than/equal to INR 6 lakh.

Here’s What to Do Next

The process of applying for a personal loan with Bajaj Finserv is easy and hassle-free. All you need to do is have all your documents ready and fill out the application form online.

With a personal loan from Bajaj Finserv, you can also get other benefits such as online approval in less than 5 minutes, guaranteed loans up to INR 25 lakh, and zero part prepayment charges. Once you have availed of your loan, you can get online access to Bajaj Finserv customer portal to keep track of all the relevant information as your loan tenure matures.

Don’t want to miss out on this opportunity? Do, keep in mind that the offer is only valid if your loan gets approved and disbursed by 1st October 2015. So, hurry up and visit the Bajaj Finserv website now to reap the benefits of this bumper offer!

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