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Loan Against Property

Use your asset to fulfil
your every need.

Loans Against Property - Unlock Your Property’s Potential

Leverage the value of your residential or commercial property to meet your financial goals. Whether you're expanding your business, managing unexpected expenses, or achieving personal milestones, Grihum Housing Finance Limited offers tailored Loan Against Property solutions with attractive benefits and a hassle-free experience.

Collateral That Works for You

Unlock the potential of your property and secure funds with confidence. Our Loan Against Property converts the value of your residential or commercial property into a powerful financial asset.

Key Highlights:

Explore the Features & Benefits of Our Loan Against Property

Our feature-rich Loan Against Property solutions are designed for a seamless and pleasant borrowing experience.

Flexible Repayment Tenure

Flexible Repayment Tenure

Top-Up Loan

Top-Up Loan Facility

Competitive Interest Rates

Competitive Interest Rates

Affordable Housing Loans

Balance Transfer Option

End-to-End Doorstep Service

Doorstep Service

Minimum Documentation

Minimum Documentation

  • Flexible Repayment Tenure
    Choose a repayment tenure between 1 to 15 years based on your financial goals.
  • Top-Up Loan Facility
    Avail additional funds with minimal documentation.
  • Competitive Interest Rates
    Affordable rates designed to reduce your financial burden.
  • Balance Transfer Option
    Transfer your outstanding loan to Grihum Housing Finance for lower EMIs.
  • Doorstep Service
    End-to-end support with dedicated relationship managers.
  • Minimal Documentation
    Simplified processes with minimal paperwork for a hassle-free experience.
  • Comprehensive Solutions for Every Need
    Whether you're envisioning a new home, expanding your current space, constructing your dream abode from scratch, or considering a resale property, we have the perfect Loan Against Property solution for you.
  • Affordability at Its Core
    Our commitment to making homeownership accessible is reflected in our affordable Loan Against Property solutions, starting as low as ₹5 Lakhs, coupled with competitive interest rates.
  • Financial Freedom, Simplified
    Managing your Loan Against Property has never been more straightforward. Transfer your outstanding home loan amount to Grihum Housing Finance and reduce your monthly EMIs effortlessly.

Our Loan Against Property Eligibility Criteria is simple with minimal documents

Category Salaried Individuals Self-Employed Individuals Firms/ Companies
Age 21 to 65 Years 21 to 65 Years 21 to 65 Years
Income Requirement Minimum ₹20,000 net/month Minimum ₹3 Lakh per year Minimum ₹10 Lakh turnover
Experience Minimum 1 year Minimum 2 years in business Minimum 3 years stability
Citizenship Indian Indian Proprietor/Partners/Directors

Documents Required for Loan Against Property

Category Salaried Individuals Self-Employed Individuals Firms/Companies
Identity Documents
(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
  • GST Registration Certificate
  • Registration Documents
Address Proof
  • Aadhaar Card
  • Passport
  • Driving License
  • Voters ID
  • Job Card by NREGA
  • National Population Register Letter
  • Aadhaar Card
  • Passport
  • Driving License
  • Voters ID
  • Job Card by NREGA
  • National Population Register Letter
  • Electricity Bill or Rent Agreement
  • KYC of Partners/Directors
Income Documents
  • Last 3 months' salary slips, Form 16
  • Last 2 years' ITRs
  • Last 2 years’ Profit/Loss statement
  • balance sheet, and ITRs
  • Last 2 years’ Profit/Loss statement
  • balance sheet, and ITRs
Property Documents Property documents along with legal & technical clearance Property documents along with legal & technical clearance Property documents along with legal & technical clearance

Know Our Loan Against Property Interest Rates & Charges

Understanding the financial aspects of your Loan Against Property is essential. We maintain complete transparency to ensure a stress-free borrowing experience.

Affordable interest rate

Attractive Interest Rates

Processing fee

Processing Fee

Foreclosure charges

Foreclosure Charges

Valuation Charges

Valuation Charges

  • Attractive Interest Rates
  • Processing Fee
    0.50% of the sanctioned loan amount + GST
  • Foreclosure Charges
    No charges for floating rate loans; applicable charges for fixed-rate loans as per NHB guidelines
  • Valuation Charges
    Applicable for Balance Transfer, Home Equity, and Refinance cases

Foreclosure Charges – Flexible & Transparent

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