Finance your business and personal dreams at attractive interest rates with Godrej Capital’s Loan Against Property
We listen to what you need. Godrej interest rates on Loans Against Property are designed to fit your Aspirations and needs.
Your Monthly EMI
For the years at the % of interest rate
Total Interest Payable
(Interest + Principal)
Your Home Loan EMI Will Be
Your Home Loan Eligibility
It is a loan against fully constructed, freehold residential and commercial properties for personal or business needs. The funds obtained can be also used for other purposes including marriage, medical expenses, or child’s education etc. Please note that if you have an existing Loan Against Property (LAP) from other banks and financial institutions, you can transfer it to Godrej Capital.
For new customers, you can get funding up to 80% of the property value depending on the segmentation and the property type. But, 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 Finance.
Loan Against Property (LAP) can be availed by both, salaried and self-employed individuals for professional needs such as business expansion, debt consolidation, and various personal needs including homeownership, marriage, child education etc.
You can avail of Loan Against Property for a maximum term of up to 25 years subject to internal policies of a lending institution.
Yes, Loan Against Property (LAP) can be availed against fully constructed and freehold commercial properties.
National Automated Clearing House (NACH) is a centralized structure created to make payments more accessible and cost-effective. It offers a fast and efficient clearing platform. The NACH debit mandate is used by Godrej Capital to automatically deduct monthly instalments from your bank account for the loan availed.
Two ways to cancel your NACH mandate are:
Please note that you need to mention the Loan Account Number (LAN) in the request, and our team will connect with you within 48 hrs.
With our Balance Transfer option you can transfer your existing home loan to Godrej and enjoy the benefits of a plan that works for you. Along with interest rates tailored to your comfort, enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.
Found the perfect spot to build your future? Our Plot Loans can help make it yours. Our loans offer you the financial help, low interest rates and flexible payment options you need to construct the home of your dreams.
Take your business to the next level with a Commercial Property Loan that finances construction, extension or improvement to make your business goals become reality. With plans designed for your life, you can rest assured that your business empire is in safe hands.
Found your fantasy house but struggling with the price tag? We can help with Home Loans designed for your needs. Our low interest rates and easy EMI plans can help unlock the door to your future.
Myths exist in every sphere, and home loans are no different. Helping you accomplish one of your most cherished dreams, it is all the more important to bust these myths to make sure you leverage the maximum utility out of this offering and don’t end up overstretching your finances.
Joint Home Loan Benefits, Joint Home Loan Tax Benefits, Tax Benefit on Home Loan, Home Loan Income Tax Rebate
While home loans have improved the affordability of purchasing your dream house, but on occasions where the need for funds is substantial or you fall short of the eligibility criteria, opting for a joint Home Loan can seal the deal for you.
Home Loans help you fulfil one of your most cherished dreams - buying your dream home. As a buyer, you have more choices than before to choose your home and select your lender for funding it. However, there’s another aspect of Home Loans that makes them an attractive proposition. It’s the tax benefits on offer.
You are mortgaging your property in exchange for a loan to further your dreams – to create a moment of joy. But did you know that there is a hidden advantage of tax benefits that this offering brings to the table.
One of the major highlights of Union Budget 2020 was the introduction of a new tax regime. The new tax regime is different from the old one in two ways – first, it has more slabs with lower tax rates. Second, major exemptions available to taxpayers in the old tax regime have been done away with in the new regime. Close to 70 exemptions in the old tax regime are not available in the new one.
An integral part of our financial lives, loans help accomplish our goals. Be it buying the dream home, purchasing that much-wanted car, or setting up office infrastructure, loans provide you the financial muscle to script success in your endeavor.
Owning a private business in Mumbai, Jai dreams of expanding his venture to other cities and needs substantial funds. He had heard about Loan Against Property but wasn’t sure how to avail it. On a Sunday morning, when Jai was thinking about it, a conversation with his friend, Veeru, a successful business owner himself, eased his worries!
Each one of us, at some point in our lives, have thought of an ambitious start-up venture, a home improvement project, an unfinished degree, or a dream vacation. For many reasons and more, we have looked at financing options that can help fulfil our dreams – creating small moments of joy.
“No pre-payment/ Foreclosure penalty will be levied on floating interest Home Loans irrespective of the period for which the account has run or source of funds.”
Housing finance helps you accomplish one of your biggest life goals - buying your dream home. The housing finance market has evolved considerably over the years, with many lenders offering home loans. As a buyer, you are spoilt for choice. However, while opting for home loans, from housing financing companies, there are certain dos and don’ts, following which can ensure your experience is a smooth one. What are they? Let’s find out.
When Aditya and Rupali decided to purchase their dream home, they were quite confused. The newly married couple didn’t know how to get started with homeownership and finance their first big purchase. “We were thoroughly confused about the entire exercise. We didn’t know how to start and didn’t want to rush,” says Aditya.