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022-68815555

Introduction Benefits & Features Interest Rates Calculators Apply Now FAQs Documents

LOAN AGAINST PROPERTY

Unlock your aspirations,

fulfil your business &

personal dreams

Apply for Loan Against Property

Interest rates from 7.99% onwards

Longer tenures of upto 20 years

Loans for both business & professional

Loans up to 10 Cr

Our Loan Against Property

DESIGNED FOR WHAT IS IMPORTANT TO YOU

Key
Benefits
EMI
Break

1Fulfil your high end business & personal needs
2Get low interest rates starting at 7.99% per annum
3Avail longer tenure of up to 20 years

4Avail Loan of up to 70% of the market value of your property
5Avail loans for both personal and commercial properties
6Avail EMI Break in the 1st 3 years of your loan

*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:

1Avail 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.
2Salaried 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

7.99%

10.99%

Per Annum

Calculate Your Savings

EMI AMOUNT
LOAN ELIGIBILITY

₹

Loan Amount

2Cr

Interest Rate

15.00%

Loan Tenure

1Yr

30Yr

Loan EMI

₹5,00,000

Total Interest Payable

₹16,396

Total Payment (Interest + Principal)

₹5,16,396

APPLY ONLINE

*T&C Apply

Apply Now

ENTER MOBILE NUMER

I Agree with the term & conditions

Thank You!

Application Submission is now Complete

APPLY NOW

₹

Net Monthly Income

2Cr

₹

Existing EMIs

16L

Interest Rate

15%

Loan Tenure

1Yr

30Yr

Your Home Loan Eligibility

₹11,95,543

Your Home Loan EMI Will Be

₹10,000

APPLY ONLINE

*T&C Apply

Apply Now

ENTER MOBILE NUMER

I Agree with the term & conditions

Thank You!

Application Submission is now Complete

APPLY NOW

Own your
dreams.
Apply Now

Get a Call back Which product are you looking for?

Home Loan

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Loan Against Property

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Simple Answers, to
Frequently Asked Questions

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 Housing 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 Housing 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 upto 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 a 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 GHF to automatically deduct monthly instalments 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@godrejhf.com through registered email ID or call our Customer Care +91 22 68815555 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.

Documents
Just what is needed.
Nothing more.

SALARIED
SELF-EMPLOYED
SELF EMPLOYED PROFESSIONAL

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

Property Documents
Property related Documents
- 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

Property Documents
Property related documents
- 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 indentity 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
- 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

Property Documents
Property related Documents

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