Home Extension Loans - Grihum Housing Finance

Expand your space, elevate your lifestyle.

At Grihum Housing Finance, we know that a home is more than just a structure, it's where your family grows, your memories are made, and your dreams take shape. As your family expands or your lifestyle changes, your home should adapt too. That’s why our Home Extension Loan is designed to help you add space, comfort, and value to the place you already love.

Already Have a Home Extension Loan?

Take advantage of these exclusive benefits:

Balance Transfer

Switch your existing Home Extension Loan to Grihum and enjoy lower EMIs with competitive interest rates and reduced financial stress.

Features & Benefits

Affordable Loan Options

Flexible Repayment

Quick Processing

Minimal Documentation

Doorstep Service

Transparent Fees

Affordable Loan Options: Loans from ₹5 Lakhs onwards
Flexible Repayment: Choose tenure from 1 to 30 years to suit your budget
Quick Processing: Fast approvals and disbursals
Minimal Documentation: Easy eligibility and paperwork
Doorstep Service: End-to-end assistance with a dedicated relationship manager
Transparent Fees: No hidden charges—clear processing fees and interest rates

Who Can Apply?

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	Minimum age: 21-65 years	Minimum age: 21-65 years	Minimum age: 25-65 years (key people)
Income Requirement	Income: ₹20,000/month	Gross annual income: ₹3 Lakhs	Annual turnover: ₹10 Lakhs
Experience	Minimum 1 year	Minimum 2 years in business	Business vintage: 3 years
Citizenship	Indian	Indian	Proprietor/Partners/Directors

Documents Required for Home Extension Loan

We will keep it easy for you. Here’s what you’ll need:

Category	Salaried Individuals	Self-Employed Individuals	Firms/Companies
Identity Documents PAN Card is mandatory, and any one of these	Aadhaar Card Passport Driving License Voters ID	Aadhaar Card Passport Driving License Voters ID	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 Proof	Last 3 months' salary slips, Form 16	Last 2 years’ Profit/Loss statement balance sheet, and ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs
Other Documents	Bank Statement: Last 6 months	Bank Statement: Last 6 months	Bank Statement: Last 6 months
Property Documents	Relevant legal and technical clearance documentation	Relevant legal and technical clearance documentation	Relevant legal and technical clearance documentation

Interest Rates & Charges

Attractive Interest Rates

Processing Fee

Foreclosure Charges

Valuation Charges

Attractive Interest Rates
Processing Fee
0.50% of sanctioned loan amount + GST
Foreclosure Charges
Floating Rate – NIL; Fixed Rate – As per NHB Guidelines or Loan Agreement
Valuation Charges
Applicable as per actuals (for balance transfer/equity/refinance cases)

EMI Calculator

Before you apply, plan your finances with confidence.

Use our EMI Calculator to get real-time insights on your monthly repayments.

Ready to Expand Your Home?

Whether it’s adding a new bedroom, a spacious balcony, or a cozy guest room—Grihum’s Home Extension Loan has you covered. Enjoy complete peace of mind with transparent terms, expert support, and fast approvals.