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%

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Home Loans for Salaried Employees

For salaried professionals, understanding home loan eligibility based on salary is crucial to plan your finances and determine how much you can borrow comfortably. Our home loan for salaried person is structured to match your income profile, ensuring manageable EMIs while fulfilling your dream of owning a home. With transparent eligibility criteria, minimal documentation, and flexible repayment options, you can confidently plan your home purchase without straining your monthly budget.

Higher loan amount up to

₹ 10 crore

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Interest rates starting from

7.65% p.a.

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High loan-to-value up to

90%

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High loan tenure up to

30 years

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Key Features of Home Loan for Salaried Employees

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Design Your EMI

Customise your monthly payments and choose to pay interest-only for select period.

Start your homeownership journey without digging a hole in your pocket. Whether your dream house is under construction or a ready-to-move-in property, we have flexible repayment solutions designed to match your financial goals.

  • 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

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Parallel Funding

Pay upfront costs into smaller affordable portions.

Get closer to your dream of homeownership with a parallel funding option, making your perfect abode 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

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Know More

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Turn your salary into your dream home with affordable interest rates
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Home Loan Calculators

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Home Loan

Plot Loan

Property Loan

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Interest Rates and Documents

Interest Rates

Low Home Loan interest rates make owning your dream home more affordable than ever - lesser EMIs, more savings!

Indian Resident Salaried

7.65%

per annum onwards*

Non-Resident Indian Salaried

7.65%

per annum onwards*

Business Self-Employed

7.90%

per annum onwards*

Professional Self-Employed

7.90%

per annum onwards*

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With low interest rates on Home Loan, the journey to your dream home is easier than ever. Less EMIs, More Savings!
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View Complete List of Documents
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*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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Get access to 13+ partners to build,

plan and grow your business

Register Now

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Explore Home Loan Offers as per Your Budget

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45 Lakh

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60 Lakh

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70 Lakh

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80 Lakh

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1 Crore

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Explore Home Loan Offer in Your City

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Stories in Focus - Blogs

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/about-us/blogs/home-loan/home-loan-tax-benefits-for-women

/about-us/blogs/home-loan/is-itr-for-home-loan-required

/about-us/blogs/home-loan/thinking-of-home-loan-balance-transfer

/about-us/blogs/home-loan/loans-for-same-gender-partners

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Connect with Our Customer Support Team

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ⓘ Need more information or answers to your questions? 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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