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Loan Against Property

Use your asset to fulfil your every need.

Loans Against Property by Grihum Housing Finance Limited

Discover the true value of your property with our Loan Against Property, your key to fulfilling various financial needs with ease and confidence.

Whether you're planning personal milestones, expanding your business horizons, or managing unexpected financial emergencies, our Loan Against Property provides the ideal solution, all while ensuring your peace of mind.

Collateral That Works for You

Our Loan Against Property is a versatile financial tool that allows you to secure funds against your residential or commercial property, converting your property's value into a powerful financial asset.

Your property acts as collateral, ensuring you can access substantial funds

Explore the Features & Benefits of our Loan Against Property

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

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Home Loan for all your housing needs

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Affordable housing loans

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Balance transfer

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Top-Up loan

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Flexible
repayment tenure

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Minimum documentation

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Attractive interest rates

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End-to-end
doorstep service

  • Discover Unparalleled Benefits on Taking Loan Against Property
    Embark on your homeownership journey with Grihum Housing Finance, where your dreams find a home. We understand that owning a home is more than a transaction, it's an emotional investment.
  • Comprehensive Solutions for Every Dream House
    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 Home Loan solution for you.
  • Affordability at its Core
    Our commitment to making homeownership accessible is reflected in our affordable Loan Against Property, 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.
  • Flexibility Tailored for You
    Enjoy the freedom to choose a repayment tenure that suits your lifestyle, ranging from 1 to 30 years.
  • Hassle-Free, Swift Process
    Experience a streamlined journey with Grihum Housing Finance. Our straightforward eligibility criteria and minimal documentation ensure a hassle-free application process.

Our Loan Against Property Eligibility Criteria is simple with minimal documents

Embarking on the journey to homeownership should be exciting, not burdensome.

At Grihum Housing Finance, we've simplified our Loan Against Property eligibility criteria to ensure that your dream home is within easy reach.

Salaried Individuals Self-Employed Individuals Firm / Company
Eligible Borrowers Government / Semi government / PSU / Private and MNC companies / Proprietorship or Partnership firms
  • Proprietor / Partners / Directors
  • Self-Employed Professionals like Chartered Accountant, Company Secretary & Doctors
Partnership or Private Limited companies engaged in Manufacturing, Servicing or Trading
Age The minimum age of applicant at the time of loan application should be a 21 years and maximum of 65 years or the retirement age, whichever is lower. The minimum age of applicant at the time of loan application should be a 21 years and maximum of 65 years or the retirement age, whichever is lower. The minimum age of Proprietor / Key Partner / Key Director at the time of loan application should be a 25 years and maximum of 65 years or the retirement age, whichever is lower.
Income Net monthly take-home salary should be minimum ₹ 20,000 Gross annual income should be minimum ₹ 3 Lakh Annual turnover should be minimum ₹ 10 Lakhs
Experience / Vintage Minimum One year Minimum Two years in current Business or Profession Business stability / Vintage of minimum 3 years
Citizenship Individuals with Indian Citizenship Individuals with Indian Citizenship Proprietor / Partners / Directors with Indian Citizenship

Documents Required for Loan Against Property

Salaried Individuals Self-Employed Individuals Firm / Company
Identity Documents
  • PAN Card
  • Aadhaar Card
  • Passport (Not Expired)
  • Driving License with Photo
  • Voters Identity card issued by the Election Commission of India
  • Job Card issued by NREGA duly signed by an officer of the State Government
  • PAN Card
  • Aadhaar Card
  • Passport (Not Expired)
  • Driving License with Photo
  • Voters Identity card issued by the Election Commission of India
  • Job Card issued by NREGA duly signed by an officer of the State Government
  • Firm / Company PAN Card, GST Registration Certificate (If applicable) and Other Applicable Registration documents
  • KYC of Partners / Directors (PAN Card and Aadhaar Card)
Address Proof
  • Aadhaar Card
  • Passport (Not Expired)
  • Driving License with Photo
  • Voters Identity card issued by the Election Commission of India
  • Job Card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by the National Population Register containing details of name and address
  • Aadhaar Card
  • Passport (Not Expired)
  • Driving License with Photo
  • Voters Identity card issued by the Election Commission of India
  • Job Card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by the National Population Register containing details of name and address
  • Electricity bill for owned premises
  • Rent agreement for rented premises
  • Passport for Partner / Directors
Income Documents
  • Latest 3 months’ salary slip
  • Form 16
  • Income Tax Returns along with computation for last 2 years
  • Profit/Loss statement and balance sheet for last 2 years
  • Income Tax Returns along with computation for last 2 years
  • Profit/Loss statement and balance sheet for last 2 years
  • GST Returns
Bank Account Statement Latest 6 months’ bank statement evidencing salary credits Operative bank account statement for last 6 months
Property Documents Property documents along with legal & technical clearance of the property

Know our Loan Against Property Interest Rates & Charges

Understanding the financial aspects of your Loan Against Property is essential.

We believe in complete transparency and affordability, ensuring that your homeownership journey is smooth and stress-free.

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Affordable
interest rate

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Foreclosure charges

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Processing fee

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Other fees and charges

  • Competitive Interest Rates for Your Comfort
    Our Loan Against Property interest rates are not just competitive; they are designed to be affordable, starting at just 10.55% to 25.50% p.a.
  • Flexible Foreclosure Charges
  • Transparent Processing Fee
    A processing fee of 0.50% on your sanctioned loan amount plus GST is applicable.
  • Comprehensive Information
    For detailed information on other fees, please refer to our provided link.

How to Apply for Loan Against Property In 5 Easy Steps?

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Enter your personal details

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Verify with
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Select State
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Select State and City

Select your state and city

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Submit

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Our Home Loan representative will contact to you for next steps to complete your application process.

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