Loan Against Property

 

Godrej Capital's Loan Against Property (LAP) is designed to support business growth with high loan eligibility, flexible EMIs, longer tenures, and a wide range of acceptable collaterals. This loan provides substantial funding based on property value, making it ideal for significant business investments and expansions.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Udyog Loan Against Property

 

For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Commercial Property Loan

 

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.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Balance Transfer

 

Transfer your existing loans to Godrej Capital and experience the benefits of lower interest rates, flexible repayment terms, and significant EMI savings. Enjoy higher eligibility, along with a top up loan, to take care of your extra needs.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Home Loan

 

Seeking a Home Loan to buy a ready-to-move-in property, an under-construction house, or renovate your current residence? Our Home Loan, featuring low interest rates and flexible EMI plans, is specifically designed to help you accomplish buying your dream home.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Plot Loan

 

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.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for Doctors

 

Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our Professional Loans for doctors are here to help you. Apply today for a collateral free loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for Doctors

 

Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our Professional Loans for doctors are here to help you. Apply today for a collateral free loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for CAs

 

Godrej Capital's Professional Loan helps CAs in expanding practice, hiring new staff, enhancing equipment, and upgrading services for business growth. Get a loan without collateral and take your career to new heights.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for MSMEs

 

For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for Women

 

Are you a woman entrepreneur? Godrej Capital's Business Loans for women-owned MSMEs help them fuel growth and meet business needs without any collateral. Apply for a small business loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan

 

Empower your business with Godrej Capital's Business Loan, offering flexible financing solutions to help businesses take the next step for growth. Apply for online Business Loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Pre approved Business Loan

Buying Under-construction Property? How Godrej Capital's Design Your EMI (DEMI) Can Help You



Turning your dream of a brand-new home into reality is an exciting journey. But under-construction properties often come with the challenge of managing finances during the construction phase. Godrej Capital's innovative home loan solutions, particularly the Design Your EMI (DEMI) option, can ease this burden significantly. This facility is tailored for home loans for under construction property, so you can enjoy the convenience of flexible EMIs.

 

Moreover, with DEMI, you can maintain a good credit score as timely EMI payments can help prevent loan repayment defaults.

 

Understanding the Challenges of Under-construction Properties

While under-construction properties are more affordable and give you the satisfaction of witnessing your dream home take shape, they also present unique financial challenges.  You may not be able to move in right away, but you'll still have ongoing expenses like rent and may need to start making loan repayments.

 

Also Read: How to Check Home Loan Eligibility?

 

How Godrej Capital's Home Loan Makes a Difference

Godrej Capital's Home Loan for under-construction properties offers a comprehensive package designed to address these challenges:

  • Higher Loan Amounts: Access funding of up to INR 20 crore to finance your dream under-construction property.
  • Low Interest Rates: Secure interest rates starting from 8.55% p.a., providing stability in your financial planning.
  • High Loan-to-Value Ratio: Get a loan-to-value ratio of up to 90% of the property value, minimizing upfront costs.
  • Extended Loan Tenure : Spread out your loan repayments over a longer period of up to 30 years for a more manageable EMI amount. 

 

Also Read: How to Choose the Right Home Loan Tenure?

  • Streamlined Process: Enjoy a hassle-free experience with minimal documentation and quick loan sanction and disbursal.
  • Dedicated Support: Benefit from Godrej Capital's hands-on customer support throughout your homeownership journey.

 

The Power of Design Your EMI (DEMI)

Design Your EMI for under-construction house empowers you to take control of your EMIs and customize them to fit your financial situation during the construction phase. Flexible EMI means you can choose an EMI plan that fits your financial situation. Here's how:

  • Interest-Only Payments for Up to 4 Years: Defer the principal amount repayment for up to 48 months. This allows you to manage your current expenses like rent while the property is being built.
  • Flexible EMI Structure: Ensure your chosen interest-only payment meets the minimum and maximum limits set by the lender .
  • Combine with Parallel Funding: This allows you to split your down payment into smaller, more manageable portions across various construction stages, further reducing the financial burden.

 

Why Choose Godrej Capital for Your Under-construction Property Loan?

With Godrej Capital's Home Loan, you can:

  • Bridge the Financial Gap: DEMI and parallel funding options make under-construction properties more accessible.
  • Manage Cash Flow: Interest-only  payments during construction allow you to prioritize other expenses.

💡 Pro-tip: Use online home loan EMI calculator to estimate your home loan EMI payments. 

  • Plan for the Future: Fixed interest rates for the initial period  provide financial stability for long-term planning.
  • Experience a Smooth Journey: Benefit from a streamlined process, minimal documentation, and dedicated customer support.

 

Take the First Step Towards Your Dream Home

Godrej Capital's Home Loan solutions are designed to empower you to achieve your dream of homeownership.  Visit Godrej Capital today to explore how DEMI and their under-construction property loan options can help you navigate the home buying process with ease .

 

Apply now

 

Also Read: Design your EMI: The Flexibility You Need for Loan Repayments 

 

Disclaimer: The contents of this article are for information purposes only & not a financial advisory. For more details, please refer to the product or service document and/ or connect with our customer representative prior to making any financial decision. The information is subject to update, completion, revision, and amendment and may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Godrej Capital or its Affiliates to any requirements. Godrej Capital or its Affiliates shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

 

Financing through Godrej Finance/Godrej Housing Finance Limited. Product Terms & Conditions apply, for details visit https://www.godrejcapital.com