• home
  • search
  • GF Login
  • close
close
RECENT SEARCHES
TRENDING SEARCHES
Our Products dropdown
About us dropdown
Media & Blog dropdown
Careers dropdown
Support dropdown
Our Subsidairies dropdown

Other websites

godrejhf.com

Apply Now
icon whatsapp icon question answer
Loan against property
APPLY NOW
Key Benefits
Key Benefits
Interest Rates
Calculators
Documents Required
FAQs

Our Loan Against Property

Unlock your aspirations, fulfil your business and personal dreams with a Loan Against Property that will finance your future..

  • Interest rates from 7.99% onwards
    Interest rates from 7.99% onwards
  • Loans up to 10 Cr
    Loans up to 10 Cr
  • Longer tenures of upto 20 years
    Longer tenures of upto 20 years
  • Loans for both business & professional
    Loans for both business & professional

Key Features

Key Benefits
Key Benefits
EMI Break
Other Benefits
Start chasing your dream with a Loan Against Property. Our Loans Against Property fulfil every ambition. Funding a wedding, new home, college education or business idea? We can help! Get the loan designed for your life.
EMI Break
  • check Fulfil your high-end business and personal needs.
  • check Get low-interest rates starting at 7.99%
    Per Annum.
  • check Avail longer tenure of up to 20 years.
  • check Avail Loan of up to 70% of the market value of your property.
  • check Avail loans for both personal and commercial properties.
  • check Avail EMI Break in the 1st 3 years of your loan.
  • *T&C Apply
next prev
EMI Break
We understand that life can be hard at times. We can ease it financially by giving you an EMI break when you most need it:
EMI Break
  • check Avail breaks for 3 predefined EMI’s/ PEMI’s in the first 3 years of the loan. Yes!, you pay 11 out of 12 months in the 1st 3 years of the loan.
  • check Salaried customers can avail an EMI Break in March (tax season), Self Employed customers in September (festival season) and Practicing Professionals in June (holiday season)
  • *T&C Apply
next prev
Other Benefits
EMI Break
  • check Fulfil your high end business & personal needs
  • check Get low interest rates starting at 7.99%
    Per Annum
  • check Avail longer tenure of up to 20 years
  • check Avail Loan of up to 70% of the market value of your property
  • check Avail loans for both personal and commercial properties
  • check Avail EMI Break in the 1st 3 years of your loan
  • *T&C Apply
next prev
EMI Break

Low Interest Rates

We listen to what you need. Godrej interest rates on Loans Against Property are designed to fit your lifestyle.

RESIDENT

Salaried

7.99%

To

10.99%

Per Annum
BUSINESS

Self Employed

7.99%

To

10.99%

Per Annum
PRACTICING PROFESSIONALS

Self Employed

7.99%

To

10.99%

Per Annum
*T&C Apply

Calculate Your Savings

EMI Calculator
EMI Calculator
Loan Eligibility
₹
%
Loan Tenure
Yr
M

Your Monthly EMI

₹40,000

For the 20 years at the 7.5% of interest rate

Total Interest Payable

₹45,00,000

Total Payment
(Interest + Principal)

₹90,00,000

APPLY ONLINE

How to use the EMI Calculator?

  • Use the sliding button to input the amount you need to avail as a loan.
  • Input the interest rate from 6-15% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to generate your monthly and total payment amounts.

How our EMI Calculator can help you:

  • Make a well-informed decision before making any financial commitments.
  • Accurately assess the tenure that would be feasible for your loan repayment.
  • Start long-term financial planning when all your EMI data is easily available.
  • Gauge the amount of interest you would pay and assess your risks with ease.
₹
₹
%
Loan Tenure
Yr
M

Your Home Loan EMI Will Be

₹30,000

Your Home Loan Eligibility

₹3,48,568

APPLY ONLINE

How to use the Eligibility Calculator?

  • Use the sliding button to input your net monthly income. This can include income from multiple sources.
  • Enter the total amount of any existing loans or EMIs.
  • Input the interest rate from 6-15% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to your ideal repayment period to generate your Home Loan Eligibility Amount.

How our Eligibility Calculator can help you:

  • Quickly determine the amount you can avail as a Home Loan without any lengthy paperwork and reduce any risk of application rejection.
  • Start planning your future financial investments with greater accuracy.
  • Assess the benefits of a Godrej Finance Loan with ease.

Mandatory documents required for property loan for

KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
VIEW COMPLETE LIST OF DOCUMENTS chevron_right
Income Documents

Income Documents

Financial documents declaring your income
  • check Latest 1 month salary slip, or a Salary Certificate authorized by the signatory of the company on the letter head
  • check Proof of employment for 2 years (Form 16 or Joining date on salary slip or employer letter or appointment letter etc.)
  • check Last 6 months statement of bank account where salary is credited
  • check Proof of bonus of last 2 years or Variable incentive for last 6 months - Bank statement reflecting the credits and salary slip letter reflecting bonus or variable incentive
Property Documents

Property Documents

Property related documents
  • For resale home loans
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller
KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
VIEW COMPLETE LIST OF DOCUMENTS chevron_right
Income Documents

Income Documents

Financial documents declaring your income
  • check ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • check Bank Statements for last 12 months
  • check Business Continuity Proof for 5 years
  • check Tax Audit Report, if applicable
Property Documents

Property Documents

Property related documents
  • For resale home loans
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller
KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
VIEW COMPLETE LIST OF DOCUMENTS chevron_right
Income Documents

Income Documents

Financial documents declaring your income
  • check ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • check Practice Continuity Proof for 5 years
  • check GST challans for last 1 or 2 or 3 quarter since filing of last returns
  • check Tax Audit Report, if applicable
  • check Bank statement showing Rental credits & Registered Rent Agreement, if applicable
Property Documents

Property Documents

Property related documents
  • For resale home loans
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller

FAQs

What is a Loan Against Property (LAP)?

It is a loan against fully constructed, freehold residential and commercial properties for: Personal and Business Needs (other than for speculative purposes) like marriage, medical expenses and child's education etc. Existing Loan Against Property (LAP) from other banks and financial institutions can also be transferred to Godrej Finance.

What is maximum funding that I can avail on a property as LAP?

For Existing Customers, the principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the Market Value of the mortgaged property as assessed by Godrej Finance. You can get funding upto 70% of the property Value depending on your segmentation and the property type.

Who can avail a Loan Against Property (LAP)?

Loan Against Property (LAP) can be availed by both salaried and self-employed individuals for personal and professional needs (other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

What is the maximum term for which I can avail a Loan Against Property (LAP)?

You can avail a loan against property for a maximum term of up to 20 years or till your age of retirement, whichever is lower.

What is the security that I need to provide to avail a Loan Against Property (LAP)?

Security of the loan would generally be security interest on the property being financed by us and/or any other collateral/interim security as may be required by us.

Can I avail Loan Against Property (LAP) for a commercial property?

Yes, Loan Against Property (LAP) can be availed against fully constructed and freehold commercial properties.

What are the documents required for a Loan Against Property?

Click here to know the documents required for a Loan Against Property. For applicable Fees & charges, refer Schedule of Charges.

What are the purposes for which I can avail a LAP?
  • Business expansion
  • Long-term working capital
  • Purchase of equipment
  • Holiday
  • Education of children.
What is a NACH Mandate?

National Automated Clearing House (NACH) is a centralized structure created to make payments more accessible and cost-effective; NACH offers a fast and efficient clearing platform. The NACH debit mandate is used by Godrej Finance to automatically deduct monthly installments from your bank account for the loan availed.

How to cancel your NACH Mandate?

Two ways to cancel your NACH mandate are:

  • You can log in to the Customer Portal and request to cancel the mandate through the Write to Us section.
  • You can also send an email to customercare@godrejfinance.com through registered email ID or call our Customer Care +91 22 6837 6600 through a registered mobile number and place a request for NACH mandate cancellation.

You need to mention the Loan Account Number (LAN) in the request, and our team will connect with you within 48 hrs.

Unlock your aspirations, fulfil your business & personal dreams

APPLY NOW

Other Products

Commercial Property Loan

Balance Transfer

With our Balance Transfer option you can transfer your existing home loan to Godrej and enjoy the benefits of a plan that works for you. Along with interest rates tailored to your comfort, enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.

APPLY NOW KNOW MORE
Commercial Property Loan

Plot Loans

Found the perfect spot to build your future? Our Plot Loans can help make it yours. Our loans offer you the financial help, low interest rates and flexible payment options you need to construct the home of your dreams.

APPLY NOW KNOW MORE
Commercial Property Loan

Commercial Property Loans

Take your business to the next level with a Commercial Property Loan that finances construction, extension or improvement to make your business goals become reality. With plans designed for your life, you can rest assured that your business empire is in safe hands.

APPLY NOW KNOW MORE
Commercial Property Loan

Home Loans

Found your fantasy house but struggling with the price tag? We can help with Home Loans designed for your needs. Our low interest rates and easy EMI plans can help unlock the door to your future.

APPLY NOW KNOW MORE
Commercial Property Loan

Business Loans

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

APPLY NOW KNOW MORE

Stories in Focus - The Blog

Story title goes here

Understanding Loan Against Property: In conversation with Jay & Veeru


Read More
Story title goes here

A Complete Guide on the Different Types of Loans Available in India


Read More
Story title goes here

Decoding Commonly Used Home Loan


Read More
VIEW ALL