Home Loan

Flexible Home Financing with Instant Approvals

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

Apply Now

Home Loan – Finance Your Dream Home with Ease

Make your dream of owning a home come true with Godrej Housing Finance. Our housing loan is crafted to make homeownership accessible and stress-free, with flexible EMIs, competitive interest rates and a seamless digital journey tailored to your needs. Whether you are buying your first home or upgrading, we are here to support every step with trust and transparency.

Higher loan amount up to

₹ 10 crore

Home loan amount banner

Interest rates starting from

7.65% p.a.

Interest rates banner

High loan-to-value up to

90%

Home loan-to-value banner

High loan tenure up to

30 years

Home loan tenure banner
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Features & Benefits of Home Loan

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

Apply Now
Know More

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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

Apply Now
Know More

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Own your dream home with attractive interest rates
Apply Now

Home Loan EMI & Eligibility Calculator

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Home Loan

Plot Loan

Property Loan

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Home Loan Interest Rates & Documents Required

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, your journey to homeownership is more affordable than ever. Enjoy instant home loan approvals, flexible repayment options and complete transparency with no hidden charges just smarter borrowing that helps you save more.
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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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Home Loan
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Get access to 13+ partners to build,

plan and grow your business

Register Now

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Stories in Focus - Blogs

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/about-us/blogs/home-loan/a-complete-guide-to-home-loan-management

/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 Capital, 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 Capital, 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 Capital?
Answer-3

Godrej Capital 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 Capital 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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