Home Loans

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.

Loan Against Property

Our Loans Against Property can help you through life’s biggest moments. Weddings, personal passions, educational fees or career changes - we’ve got you covered. Refinance any existing commercial or residential property at the best rates today.

Balance Transfer

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.

Plot Loans

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.

Commercial Property Loans

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.






Our Balance Transfer 

 

We understand the challenges that life brings. Make the switch to Godrej for hassle-free Home

Loans at the best rates.

Our Balance Transfer 

 

We understand the challenges that life brings.

Make the switch to Godrej for hassle-free Home

Loans at the best rates.


Save on your EMI payments

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Low Interest Rates from dynamicBalTransIntRate%

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Get additional top-up loan

Loans for both business & professional
Loans for both business & professional

Avail EMI Break

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Key Features






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  • Lower your EMI Payments with reduced Interest rates starting from 8.39%
  • Avail additional Top-Up loans for your home & personal needs
  • Get Speedy Sanctions and quick disbursals with minimum documentation
  • Avail EMI Break in the 1st 3 years of your loan
  • No charges on pre-payment and foreclosures

*T&C Apply

Home Loan Balance Transfer Key Benefits


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:


homeemi-break

  • 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.
  • 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

Home Loan Balance Transfer EMI Break



Low Interest Rates


If you’re looking to ease your financial burden, our low interest rates on Home Loan Balance

Transfer will be there to support you.

Low Interest Rates


If you’re looking to ease your financial burden, our low interest rates on Home Loan Balance Transfer will be there to support you.



RESIDENT

Salaried

To

Per Annum
NON-RESIDENT INDIAN

Salaried

To

Per Annum
BUSINESS

Self Employed

To

Per Annum
PRACTICING PROFESSIONALS

Self Employed

To

Per Annum


*T&C Apply


Calculate Your Savings




Existing Loan
Yr
%
Proposed Loan
%
Loan Tenure
Yrs
Ms

Total saving in cash outflow

Savings In EMI

Proposed EMI

Existing EMI


How to use the Balance Transfer Calculator?

  • Enter the outstanding principal amount of your current loan.
  • Use the sliding button to select the tenure of your current loan.
  • Input the rate of interest on your current loan.
  • Select the Godrej Capital interest rate
    Per Annum as per your credit evaluation.
  • Adjust the Loan Tenure options (months and years) to accurately assess the possible savings you could enjoy.
     

How our Balance Transfer Calculator could help you:

  • Easily understand the savings that a loan transfer could yield without any expert assistance.
  • Get an insight into the proposed EMI structure that could come with a balance transfer.
  • Make informed decisions about future financial moves and make choices accordingly.
%
Loan Tenure
Yrs
Ms

Your Monthly EMI

For the years at the % of interest rate

Total Interest Payable

Total Payment (Interest + Principal)



How to use the EMI Calculator?

  • Use the sliding button to input the amount you need to avail as a loan.
  • Input the interest rate from 6-15% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to generate your monthly and total payment amounts.
     

How our EMI Calculator can help you:

  • Make a well-informed decision before making any financial commitments.
  • Accurately assess the tenure that would be feasible for your loan repayment.
  • Start long-term financial planning when all your EMI data is easily available.
  • Gauge the amount of interest you would pay and assess your risks with ease.
%
Loan Tenure
Yrs
Ms

Your Home Loan EMI Will Be

Your Home Loan Eligibility



How to use the Eligibility Calculator?

  • Use the sliding button to input your net monthly income. This can include income from multiple sources.
  • Enter the total amount of any existing loans or EMIs.
  • Input the interest rate from 6-15% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to your ideal repayment period to generate your Home
    Loan Eligibility Amount.
     

How our Eligibility Calculator can help you:

  • Quickly determine the amount you can avail as a Home Loan without any lengthy paperwork and reduce any
    risk of application rejection.
  • Start planning your future financial investments with greater accuracy.
  • Assess the benefits of a Godrej Finance Loan with ease.
Financial Details
Yr

Income Tax Benefits

Income Tax Payable includes 4% cess.

Income Tax Payable After Home Loan

Income Tax Payable Before Home Loan



How to use the Tax Saving Calculator?

  • Select your age with the sliding button.
  • Input your total taxable income amount.
  • Enter your annual principal amount and interest amount paid on your loan in INR to generate the final payable
    tax amount before and after your Home Loan.
     

How our Tax Saving Calculator can help you:

  • As per Section 80C and Section 24B of the Income Tax Act 1964, you could be eligible for tax saving benefits
    via both the principal and interest components of your loan.
  • Our Tax Saving Calculator to accurately arrive at your tax-saving benefits for the year.
  • Account for your tax savings and plan future investments with ease.


Documents Just what is needed. Nothing more.





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 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.

For 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
For 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


  • Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
  • Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card



  • 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.

For 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
For 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


  • Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card
  • Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card



  • 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.

For 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
For 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

 

FAQs



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

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 the basics of the information you provide like personal details, financial data, employment details, and existing property information to view your loan offer.

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

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.

No. There is no mandatory requirement for a guarantor.

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

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.

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.

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

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

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

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

No, it is not mandatory to obtain Insurance. However, Insurance is a voluntary risk mitigation device that helps customers in multiple ways, such as securing the asset, helping in paying off the loan liability in an unlikely event.

The insurance contract is between the Insurer and the customers. The company plays a limited role in facilitating the insurance contract between customers and Insurers. It will be the Insurer's responsibility to provide details and benefits to the customers.

Loan-linked Insurance covers a large amount of the loan liability. In any unforeseen circumstances like death, disability, hospitalization, and diagnosis of critical ailments, the Insurer can repay the loan liability through Insurance.

Credit-Life Insurance provides death cover for natural, accidental, and unnatural cause deaths. It also includes coverage for death due to Covid-19 and can be extended to co-borrowers. Customers can also avail the benefit of Section 80-C Income Tax deduction.

Survival-Benefit Plan is for critical illness insurance and provides additional cover for medical emergencies like heart attack, stroke, or cancer. Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short. These policies come at a relatively low cost. However, the instances that they will cover are generally limited to a few illnesses or emergencies.

Health insurance aims to provide a defence against the hardship caused due to lack of income because of (a) Disease, (b) Accident, (c) Surgery and (d) hospitalization.

Property Insurance secures the property for which the loan has been availed; ensures the security of valuables within the house. It is applicable for entirely constructed property wherein the customer has possession of the property. The Claim amount is the reinstatement value of the property.


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