Home Loan in Bangalore

Bangalore has diverse Home Loan applicants, including tech professionals, self-employed business owners, NRIs and dual-income families. Godrej Housing Finance assesses each profile based on key eligibility factors. Use the Home Loan eligibility calculator to estimate your eligible amount.

• Age: Minimum 21 years at application; loan closure by 65 years or retirement.
• Employment: Salaried applicants need stable employment, while self-employed applicants generally need 3 years of business continuity.
• Income: Fixed and variable income may be considered, subject to repayment capacity and existing obligations.
• Credit score: A CIBIL score of 700+ is preferred, while 750+ may support better rates.
• Property: Must meet legal and technical requirements, including applicable RERA and OC requirements.
• NRI applicants: We assess overseas income, employment continuity, property valuation, and NRI-specific KYC.

Applying for a Home Loan in Bangalore with Godrej Housing Finance is digital, allowing you to complete most steps online.

• Step 1: Check eligibility: Use the eligibility calculator to estimate the loan amount you may qualify for based on your income and existing loans.
• Step 2: Calculate your EMI: Use the EMI calculator to compare tenures and choose a suitable monthly repayment.
• Step 3: Apply online: Enter your personal, income and property details, including the type of property you plan to purchase.
• Step 4: Upload documents: Submit KYC, income and property documents digitally. NRI applicants can also provide applicable overseas income and passport documents.
• Step 5: Complete verification: The relationship team verifies your details, while an empanelled agency conducts legal and technical checks on the property.
• Step 6: Get sanction and disbursement: After approval and agreement signing, the loan amount is disbursed as per the property and transaction requirements.