Loan Against Property with lowest interest rate

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.

Home Loan for all your housing needs

Affordable housing loans

Balance transfer

Top-Up loan

Flexible
repayment tenure

Minimum documentation

Attractive interest rates

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.

Affordable
interest rate

Foreclosure charges

Processing fee

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 11.00% to 23.45% 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.