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Godrej Housing Finance logo
Balance transfer
A Godrej Loan, made
for a Godrej home.
Save on your EMI payments
Low Interest rates from 6.99%
Get additional top-up loan
Avail EMI break
Quick Links
Our Balance Transfer
Designed for what is important to YOU
  • Key
    Benefits
  • EMI
    Break
  • 1Lower your EMI Payments with reduced Interest rates starting from 6.99%
  • 2Avail additional Top-Up loans for your home & personal needs
  • 3Get Speedy Sanctions and quick disbursals with minimum documentation
  • 4Avail EMI Break in the 1st 3 years of your loan
  • 5Get Speedy Sanctions and quick disbursals with minimum documentation
  • *T&C Apply

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:

  • 1 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.
  • 2 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
Low Interest Rates
RESIDENT
Salaried

6.99%

To

8.99%

Per Annum
BUSINESS
Self
Employed

7.09%

To

9.99%

Per Annum
PRACTICING PROFESSIONALS
Self
Employed

7.09%

To

9.99%

Per Annum
Calculate EMI and Loan Amount
Your Monthly EMI

Principal Amount
Interest Amount
Total Amount Payable
Interest + Principal
500000
5L1Cr
1 Yr
1 Yr30 Yrs
7 %
7%15%
Your Home Loan Eligibility

Looking for more funding/ need help?
40000
40K1Cr
0
01Cr
1 Yr
1 Yr30 Yrs
7 %
7%15%
Own your
dream home.
Apply Now

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Simple Answers, to
Frequently Asked Questions
Balance transfer
Top Up
What are the benefits of transferring a home loan?

The essential benefit of home loan balance transfer to Godrej housing Finance, is suitable rate of interest suited just for you. You get the added benefit of getting a higher eligibility, along with a Top – Up loan, to take care of your extra needs. Thus making your overall monthly instalments at ease.

How long does it take to switch a lender?

You can apply for a Home Loan Balance Transfer from our Godrej Housing Finance website. Our representative will get in touch with you, It usually takes 5-10 days to process basis the information you provide like personal details, financial data, employment details, and existing property information to view your loan offer.

What is the maximum amount that can be transferred?

There is no maximum amount that you can transfer. If you are eligible, your entire home loan outstanding balance gets transferred to Godrej Housing Finance.

Can the repayment period be extended at the time of transfer?

Yes. The repayment tenor can be extended up to a maximum period of 20 years for Self-employed and 30 years for Salaried customers respectively basis your eligibility and age.

Do I require a guarantor for home loan transfer?

No. There is no mandatory requirement for a guarantor.

Do balance transfers affect credit score ?

A Home Loan Balance Transfer does not lower your credit score.

What is a Top Up Loan?

Top Up Loans can tend to personal and professional needs like home furnishing, marriage, child's tuition business expansion, etc.

Who can avail a Top Up Loan?

Customers opting for Balance Transfer of their Home loan can additionally avail a top up loan from Godrej Housing Finance subject to meeting the qualifying criteria.

What is the maximum term for which I can avail a Top Up Loan?

You can avail a top up loan for a maximum term of 15 years

Why Do I Have to Pay Fee For Top Up?

As a top-up loan is a primarily a new loan, standard processing fees apply to it as well.

Documents 
Just what is needed.
Nothing more.
  • KYC Documents

    Documents for proof of identity and address
    • Pan Card or Form 60 is a mandatory requirement for the loan application processing
    • For Proof of Identity and Address, any one of the below documents is acceptable
    • Proof of possession of Aadhaar number
    • Valid Passport
    • Valid Driving License
    • Voter’s Identity Card
    • For complete list of documents, please click here.
  • Income Documents

    Financial documents declaring your income
    • For Income Documents, we accept
    • Latest 1 month salary slip, or a Salary Certificate authorized by the signatory of the company on the letter head
    • Proof of employment for 2 years (Form 16 or Joining date on salary slip or employer letter or appointment letter etc.)
    • Last 6 months statement of bank account where salary is credited
    • 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
    • Bank statement reflecting EMI clearance of Last 6 EMIs OR Statement of account
    • Sanction letter to evidence Collateral address
    • Customer declaration for - Loan outstanding & List of documents submitted.
  • Property Documents

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

    Documents for proof of identity and address
    • Pan Card or Form 60 is a mandatory requirement for the loan application processing
    • For Proof of Identity and Address, any one of the below documents is acceptable
    • Proof of possession of Aadhaar number
    • Valid Passport
    • Valid Driving License
    • Voter’s Identity Card
    • For complete list of documents for Individual and Non-Individual (Sole Proprietary Firm or Partnership or Company), please click here.
  • Income Documents

    Financial documents declaring your income
    • For Income Documents, we accept
    • ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
    • Bank Statements for last 12 months
    • Business Continuity Proof for 5 years
    • Tax Audit Report, if applicable
    • Bank statement reflecting EMI clearance of Last 6 EMIs OR Statement of account
    • Sanction letter to evidence Collateral address
    • Customer declaration for - Loan outstanding & List of documents submitted.
  • Property Documents

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

    Documents for proof of identity and address
    • Pan Card or Form 60 is a mandatory requirement for the loan application processing
    • For Proof of Identity, any one of the below documents is acceptable
    • Proof of possession of Aadhaar number
    • Valid Passport
    • Valid Driving License
    • Voter’s Identity Card
    • For complete list of documents, please click here.
  • Income Documents

    Financial documents declaring your income
    • For Income Documents, we accept
    • ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
    • Practice Continuity Proof for 5 years
    • GST challans for last 1 or 2 or 3 quarter since filing of last returns
    • Tax Audit Report, if applicable
    • Bank statement showing Rental credits & Registered Rent Agreement, if applicable
    • Bank statement reflecting EMI clearance of Last 6 EMIs OR Statement of account
    • Sanction letter to evidence Collateral address
    • Customer declaration for - Loan outstanding & List of documents submitted.
  • Property Documents

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