Home Loan for Salaried Individuals

Flexible Solutions for Your Stable Future

Quick sanction
Zero-touch loan
Easy customer support
Loan-to-value of up to 90%

Home Loans for Salaried Employees

Your salary plays a crucial role in determining how much home loan you can get. At Godrej Capital, we understand that every salaried individual’s financial profile is unique and so should be their home loan. Our home loan for salaried persons is designed to help you own your dream home with ease, ensuring that your monthly income, expenses, and lifestyle are well-balanced.

Higher loan amount up to

INR 10 crore

Interest rates starting from

7.75% p.a.

High loan-to-value up to

90%

High loan tenure up to

30 years

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Key Features of Home Loan for Salaried Employees

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*Loans offered/financed by Godrej Housing Finance - T&Cs apply

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Design Your EMI

Take control of your EMIs! Customize your monthly payments and choose to pay interest-only for select periods.

Your future and finances can go hand-in-hand! Whether your dream home is under construction or a ready-to-move-in property, we have flexible repayment solutions to ease some financial burden off your shoulders.

Pay interest-only for up to 12 months for ready-to-move-in properties
Pay interest-only for up to 48 months for under-construction properties
Ensure your chosen interest payment meets minimum and maximum thresholds

Apply Now
Know More

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Parallel Funding

Ease your down payments! Pay upfront costs into smaller affordable portions.

Burdened by the thought of bulky down payments? With a parallel funding option, the house of your choice is more attainable than ever.

Reduce the stress of upfront payment by sharing the load with us
Split your down payment contribution into affordable portions under various construction stages
Only applicable for under-construction properties

Apply Now
Know More

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Turn your salary into your dream home with affordable interest rates.

Apply Now

Home Loan Calculators

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Loan Amount

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Interest Rate

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Loan Tenure

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Net Monthly Income

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Existing EMIs

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Home Loan

Plot Loan

Property Loan

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Select Product

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Select The Product You Are Interested In?

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Your Monthly EMI

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Monthly EMI

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Apply Now

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INR

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Interest Rates and Documents

Interest Rates

With low interest rates on Home Loan, the journey to your dream home is easier than ever. Less EMIs, More Savings!

Indian Resident Salaried

7.75%

per annum onwards

Non-Resident Indian Salaried

7.75%

per annum onwards

Business Self-Employed

8.29%

per annum onwards

Professional Self-Employed

8.29%

per annum onwards

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Interest Rates and Documents

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View Complete List of Documents

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disclaimer

*Disclaimer: All contents mentioned on this page, including documents, eligibility may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.

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Frequently Asked Questions

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Stories in Focus - Blogs

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ⓘ Need more information or answers to your questions in the meantime? Check out FAQs

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Question-1

What is a Home Loan?

Answer-1

A home loan is a financial product provided by lending institutions that allow individuals to borrow money to purchase a house.

The borrower agrees to pay back the loan over a set period, typically up to 30 years, through monthly payments that include both principal and interest.

Question-2

What are various types of Home Loans?

Answer-2

There are different types of home loans available in the market. However, at Godrej Housing Finance, we provide:

Home loans for ready-to-move-in, under-construction, and resale homes

Balance transfer (shifting of loans from a different financier to Godrej Housing Finance, resulting in savings for the customers)

Top-up on existing home loans for renovation or home improvement

Plot loan to purchase a land or a plot

Question-3

What home loan variants are offered by Godrej Housing Finance?

Answer-3

Godrej Housing Finance offers several home loan variants to meet your needs:

Home Loans for Ready-to-Move-In, Under-Construction, and Resale Homes#: Financing options for purchasing new homes, homes under construction, or pre-owned homes.

Balance Transfer#: Shift your existing home loan from another financier to Godrej Housing Finance to take advantage of potential savings.

Top-Up Loans#: Additional funding on your existing home loan for renovation or home improvement projects.

Loans for Land/Plot Purchase#: Financial assistance for purchasing residential land or plots.

These options provide flexibility and tailored solutions for various home financing needs.

Question-4

What is an Under Construction Property?

Answer-4

An under-construction property refers to a housing unit that is undergoing the process of construction. Such properties are usually sold by the developer before they are entirely built but are handed over only post-completion.

Question-5

What is Design Your EMI?

Answer-5

Design Your EMI is a flexible repayment facility that allows borrowers to tailor their EMI schedules. This offers flexibility in repayment amounts according to their financial needs based on various variants available.

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