Loan Against Property

Loans Against Property - Unlock Your Property’s Potential

Leverage the value of your residential or commercial property to meet your financial goals. Whether you're expanding your business, managing unexpected expenses, or achieving personal milestones, Grihum Housing Finance Limited offers tailored Loan Against Property solutions with attractive benefits and a hassle-free experience.

Collateral That Works for You

Unlock the potential of your property and secure funds with confidence. Our Loan Against Property converts the value of your residential or commercial property into a powerful financial asset.

Key Highlights:

Avail high-value loans for business expansion, education, or unexpected financial needs.
Use your residential or commercial property as collateral.
Enjoy affordable interest rates and flexible repayment options.
Access substantial funds with ease while leveraging your property.

Explore the Features & Benefits of Our Loan Against Property

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

Flexible Repayment Tenure

Top-Up Loan Facility

Competitive Interest Rates

Balance Transfer Option

Doorstep Service

Minimum Documentation

Flexible Repayment Tenure
Choose a repayment tenure between 1 to 15 years based on your financial goals.
Top-Up Loan Facility
Avail additional funds with minimal documentation.
Competitive Interest Rates
Affordable rates designed to reduce your financial burden.
Balance Transfer Option
Transfer your outstanding loan to Grihum Housing Finance for lower EMIs.
Doorstep Service
End-to-end support with dedicated relationship managers.
Minimal Documentation
Simplified processes with minimal paperwork for a hassle-free experience.
Comprehensive Solutions for Every Need
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 Loan Against Property solution for you.
Affordability at Its Core
Our commitment to making homeownership accessible is reflected in our affordable Loan Against Property solutions, 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.

Our Loan Against Property Eligibility Criteria is simple with minimal documents

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	21 to 65 Years	21 to 65 Years	21 to 65 Years
Income Requirement	Minimum ₹20,000 net/month	Minimum ₹3 Lakh per year	Minimum ₹10 Lakh turnover
Experience	Minimum 1 year	Minimum 2 years in business	Minimum 3 years stability
Citizenship	Indian	Indian	Proprietor/Partners/Directors

Documents Required for Loan Against Property

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 Job Card by NREGA	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA	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 Documents	Last 3 months' salary slips, Form 16 Last 2 years' ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs
Property Documents	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance

Know Our Loan Against Property Interest Rates & Charges

Understanding the financial aspects of your Loan Against Property is essential. We maintain complete transparency to ensure a stress-free borrowing experience.

Attractive Interest Rates

Processing Fee

Foreclosure Charges

Valuation Charges

Attractive Interest Rates
Processing Fee
0.50% of the sanctioned loan amount + GST
Foreclosure Charges
No charges for floating rate loans; applicable charges for fixed-rate loans as per NHB guidelines
Valuation Charges
Applicable for Balance Transfer, Home Equity, and Refinance cases

Foreclosure Charges – Flexible & Transparent

Floating Rate Loan Against Property
No foreclosure charges, offering you the flexibility to close your loan at your convenience.
Fixed Rate Loans
Charges may apply as per the Loan Agreement or as specified by the National Housing Bank (NHB).