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Home Loan
Affordable Housing to Make Apna Ghar a Reality
Home Loan - Apply House Loan Online
Looking for an affordable home loan in India? We offer housing loans starting at ₹5 lakhs, with interest rates from 9% p.a.* and flexible EMIs up to 30 years. Whether you’re salaried, self-employed, or earning from informal sources, you can apply with minimal documents and quick approvals.
With 200+ branches and 85,000+ happy customers, Grihum specializes in first-time home loans for EWS and LIG families. Customers also benefit from PMAY subsidies up to ₹1.8 Lakhs, balance transfer options, and personalized doorstep service through dedicated relationship managers.
Our focus is on simple processes, transparent pricing, and inclusive eligibility—making homeownership possible for people often overlooked by traditional lenders.
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
| Documents | Salaried Individuals | Self-Employed Individuals |
|---|---|---|
| KYC – Identity Proof PAN Card is mandatory, and any one of these |
|
|
| KYC – Address Poof |
|
|
| Income Documents |
|
|
| 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 9.3% 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 NowHome Loan FAQs:
A housing loan is financial help you get from a lender to buy, build, or renovate a home, which you repay in EMIs over time.
The home loan process is simple. Just fill out the form, submit documents, and our team will guide you through every step to apply for a housing loan easily.
Depends on your income and property value. Loans up to a maximum of 50 lakhs are available.
You can expect loan sanction within 3-7 working days, subject to document completion.
You can use our free home loan EMI calculator to estimate your monthly payments based on loan amount, tenure, and interest rate.
Not mandatory, but it helps improve loan eligibility.
We specialize in lending to customers with informal incomes. Alternate income assessment is done by our field teams.
Yes. We help eligible customers apply for the Interest Subsidy Scheme (ISS) under PMAY-Urban 2.0.
A score above 680 improves your chances, but we also evaluate based on other home loan eligibility criteria.
Your home loan or housing loan EMI usually begins one month after the full disbursement of your loan amount.
Avail Home Loan in 5 Easy Steps
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Select State and City
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Explore Types of our Home Loans
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