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 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 9.0% onwards
Foreclosure Charges Minimal charges to help you save by repaying your loan early.
Processing Fee Upto 2% of Sanctioned loan 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.

Tailored loan solutions
Expert guidance from application to disbursement
Competitive interest rates and flexible repayment options

Ready to Make Your Dream Home a Reality?

Apply now and take the first step toward owning your dream home with Grihum Housing Finance!

Apply Now

Explore Types of our Home Loans >

One of the most hassle-free and widest range of home loan offerings.

Know more

Apply Now

Home Extension Loan

It’s now quick and easy to make homes larger, bigger to meet the growing needs.

Know more

Apply Now

Home Improvement Loan

The growing social status needs to reflect in the home

Know more

Apply Now

Home Construction Loan

Make your dream home with people who care

Know more

Apply Now

Balance Transfer + Top-Up Loan

Discover best-in-class services and competitive rates

Know more

Apply Now

Loan Against Property

Avail loan against your property with quick and easy processing

Know more

Apply Now

Blogs >

How Home Loan Subsidies Work and Who Can Benefit

Home ownership has always been a dream for many. However, rising real estate prices and loan repayment burdens have made this dream seem distant.

Mhada Lottery Mumbai 2025: Registration, application, documents

For low-cost housing seekers in Mumbai, the MHADA Mumbai Lottery 2025 presents a promising chance. The Maharashtra Housing and Area Development Authority (MHADA) launches a housing scheme each year that assists thousands

Difference Between Kutcha House and Pucca House

In the diverse Indian housing landscape, it is important to know the difference between kutcha houses and pucca houses, particularly for those who

Square Meter to Square Yard: Easy Property Measurement Guide for Home Loan Planning

When planning to buy a home, every square meter or square foot matters, particularly when it comes to planning for your home loan. Property measurements tend to be quoted in several units on different real estate websites and across cities, which confuses buyers

Get a Call Back

Get a Call Back for Home Loan

Enter Name

Mobile No

Enter OTP

Select Loan Type

By proceeding I agree to Terms & Conditions