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 Commercial Property Loans



Finance a new or existing commercial property including construction, extension or improvement

to make your business goals become reality.

Finance a new or existing commercial property

including construction, extension or improvement

to make your business goals become reality.


Competitive Interest Rates starting at dynamicCommIntRate%

Competitive interest rates starting from 9.35%
Competitive interest rates starting from 9.35%
dynamicCommIntRate%

Loan up to 10 Cr

Loan upto 10crs
Loan upto 10crs

Tenure up to 25 Years

Tenure up to 15 years
Tenure up to 15 years

Key Features






Ready to take the next step in your career? We can help you do that!
Buy your own commercial space or upgrade your existing one with a Commercial Property Loan that will help you go further.

emi-break.jpg

  • Buy commercial property of your choice to either for own use or to let out.
  • Get low interest rates starting at 9.75%.
  • Avail longer tenure of up to 25 years.
  • Avail loan of upto 70% of market value of your property.
  • Avail EMI break in first 3 years of your loan.

*T&C Apply

EMI Break


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:
 

lap-EMI-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

EMI Break



Low Interest Rates


We understand the challenges of growing your business. Interest rates on our Commercial Property

Loans are designed to help you get a jumpstart on your future

 

We understand the challenges of growing your

business. Interest rates on our Commercial

Property Loans ared esigned to help you get a

jumpstart on your future

 


RESIDENT

Salaried

Per Annum onwards
BUSINESS

Self Employed

Per Annum onwards
PRACTICING PROFESSIONALS

Self Employed

Per Annum onwards


*T&C Apply


Calculate Your Savings

 

%
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.



Mandatory documents  required for commercial property loan for

Mandatory documents

  required for commercial

property loan for





  • 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)



  • 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

  • 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

  • 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

  • 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


A Loan to finance the purchase of new or existing commercial property as well as construction, extension or improvement of commercial property.

Salaried and Self employed (professional and non-professionals) NRI not to be funded.

You can avail of a Commercial Property Loan for a maximum of 25 years or the age of retirement, whichever is earlier.

Click here to know the documents required for Commercial Property Loan. For applicable fees and charges, refer to Schedule of Charges



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