Home Loan

Home Loan - Turn Your Dream into Reality

Owning a home is a cherished dream and a remarkable milestone in life. At Grihum Housing Finance Limited, we are committed to making homeownership seamless and affordable with tailor-made housing loan solutions designed to meet the diverse needs of aspiring homeowners.

Experience a hassle-free journey as we help you transform your vision into reality!

Features & Benefits

Flexible Repayment Tenure

Minimum Documentation

Fast and Transparent Loan Procedure

Attractive Interest Rates

End-to-End Doorstep Service

Top-Up Loan for Additional Needs

Flexible Repayment Tenure
Enjoy the flexibility to choose a repayment period that suits your financial goals, ranging from 1 to 30 years.
Minimal Documentation
We have simplified the loan application process with minimal paperwork and easy eligibility criteria, ensuring a hassle-free experience.
Fast and Transparent Loan Process
Our quick and transparent procedures ensure that you receive your loan without unnecessary delays.
Attractive Interest Rates
Benefit from competitive and affordable interest rates that ease the financial burden of homeownership.
End-to-End Doorstep Service
Enjoy personalized support from a dedicated Relationship Manager, who ensures a smooth loan journey from application to disbursement—all from the comfort of your home.
Affordable Loan Options
Our home loan offerings start at just ₹5 Lakhs, making homeownership accessible to all while ensuring affordability with competitive rates.
Balance Transfer Facility
Lower your monthly EMIs by transferring your outstanding home loan to Grihum Housing Finance and enjoy better terms.
Top-Up Loan for Additional Needs
Manage unexpected financial needs effortlessly by availing of a Top-Up Loan on your existing home loan with minimal documentation.

Eligibility Criteria for Home Loans

Grihum Housing Finance has simplified Home Loan eligibility criteria to ensure that your dream home is within your reach.

Borrower type
All types of Individuals including Salaried & Self-Employed Individuals & Non-Individuals like Proprietorship Firm, Partnership or Private Limited companies.
Age
Minimum age should be 21 years and a maximum of 65 years
Citizenship
Indian

Documents Required for Home Loan

	Salaried Individuals	Self-Employed Individuals
KYC – Identity Proof Your PAN Card is mandatory, and any one of these	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA
KYC – Address Poof	Aadhaar Card Passport Driving License Voters Identity Job Card by NREGA Utility Bill (electricity, telephone, post-paid mobile phone, piped gas, water bill) Letter issued by the National Population Register Bank Statement Property Tax receipt	Aadhaar Card Passport Driving License Voters Identity Job Card by NREGA Utility Bill (electricity, telephone, post-paid mobile phone, piped gas, water bill) Letter issued by the National Population Register Bank Statement Property Tax receipt
Income Documents	Last 3 months’ salary slip Latest 2 years Form 16/ITR	Latest 2 years ITR’s Latest 2 years Profit/Loss statement and balance sheet
Experience norms	Minimum 1 Year or more	Minimum 2 Years or more
Bank Account Statement	Lastest 6 months’ bank statement	Latest 6/12 months Operative bank account statement

Know your Home Loan Interest Rates & Charges

We offer transparent and competitive interest rates to ensure that homeownership remains within your reach.

Competitive Interest Rates

Foreclosure Charges

Processing Fee

Competitive Interest Rates
Starting from 11% onwards
Foreclosure Charges
Minimal charges to help you save by repaying your loan early.
Processing Fee
Min. 1.5% of the sanctioned amount

Why Choose Grihum Housing Finance?

Whether you’re an entrepreneur running a business, or a professional in the public or private sector, we are here to make your dream home a reality.