Home Construction Loan

Build Your Dream Home with Grihum’s Home Construction Loan

Your dream home is more than just walls and a roof—it’s a vision. At Grihum Housing Finance, we help you lay the perfect financial foundation to bring that vision to life.

Why Choose Grihum for Your Home Construction Loan?

Whether you’re planning to build a home from scratch, extend your current house, or purchase a resale property, our Home Construction Loan is built around your needs.

Loan Amounts Starting at ₹5 Lakhs
Flexible Tenure from 1 to 30 Years
End-to-End Doorstep Service
Fast Approvals with Minimal Documentation

Features & Benefits

Versatile Home Construction Solutions

Balance Transfer & Top-Up Facility

Simplified Process

Affordable EMIs

Versatile Home Construction Solutions
From ground-up construction to resale purchases and home expansion—our loans cover it all.
Balance Transfer & Top-Up Facility
Do you already have a construction loan? Transfer your balance to Grihum and enjoy lower EMIs. Need more funds? Avail of a Top-Up loan with minimal paperwork.
Simplified Process
Quick approvals
Minimum documentation
Transparent process with zero hidden charges
Affordable EMIs
We offer competitive interest rates and the flexibility to choose a repayment plan that suits your budget.

Eligibility Criteria for Home Construction Loan

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	21–65 years*	21–65 years*	21–65 years*
Income Requirement	₹20,000+ monthly salary	₹3 Lakh+ annual income	₹10 Lakh+ annual turnover
Experience	1 year+	2 years in current business	3 years business vintage
Citizenship	Indian	Indian	Indian

* Or retirement age, whichever is earlier.

Required Documents for Home Construction Loan

Category	Salaried Individuals	Self-Employed Individuals	Firms/Companies
Identity Documents PAN Card is mandatory, and any one of these	Aadhaar Card Passport DL Voters ID	Aadhaar Card Passport DL Voters ID	GST, KYC of Partners/Directors
Address Proof	Aadhaar Card Passport DL Voters ID Job Card by NREGA	Aadhaar Card Passport DL Voters ID Job Card by NREGA	Electricity Bill, Rent Agreement
Income Proof	Last 3 months’ salary slips, Form 16	IT Returns (2 yrs), P&L, Balance Sheet	IT Returns, GST, P&L, Balance Sheet
Other Documents	6 months’ salary account	6 months’ salary account	6 months’ salary account
Property Documents	Ownership proof, legal & technical clearance	Ownership proof, legal & technical clearance	Ownership proof, legal & technical clearance

Home Construction Loan Interest Rates & Charges

We ensure complete transparency so you can plan with confidence.

Attractive Interest Rates

Processing Fee

Foreclosure Charges

Valuation Charges

Attractive Interest Rates
Processing Fee
Minimum 0.50% of the sanctioned amount + GST
Foreclosure Charges
Nil for floating rates; as per terms for fixed rates
Valuation Charges
Applicable for balance transfers and refinances

Use our EMI Calculator to plan your monthly repayments with ease.

Ready to Build Your Dream Home?

Let Grihum Housing Finance be your trusted partner. With competitive rates, quick disbursals, and doorstep service, applying for a construction loan has never been easier.