Godrej Housing Finance LAP Highlights 2022 | |
Interest Rates | 9.25%-10.99% p.a. |
Loan Amount | Up to Rs 10 crore |
LTV Ratio | Up to 70% of property value |
Tenure | Up to 20 years |
Processing Fee | Up to 3% of loan amount |

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Table of Contents
Godrej Housing Finance LAP Interest Rates
Minimum Interest Rates | 9.25% p.a. |
Maximum Interest Rates | 10.99% p.a. |

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Compare Interest Rates on Loan Against Property for Top Banks & HFCs
Name of the Lender | Interest Rate (% p.a.) |
State Bank of India | 9.80-10.20 |
Bank of Baroda | 9.65-15.30 |
PNB Housing Finance | 7.99-11.00 |
IDFC First Bank | 7.40-14.90 |
HDFC | 8.50-11.40 |
L&T Housing Finance | 10.30-10.90 |
LIC Housing Finance | 8.35-11.10 |
Godrej Housing Finance | 9.25-10.99 |
ICICI Bank | 9.75-10.90 |
Tata Capital | 10.10 onwards |
Bajaj Housing Finance | 8.60-18.00 |
Axis Bank | 8.90-9.10 |
Kotak Mahindra Bank | 9.50-11.70 |

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Godrej Housing Finance LAP Fees and Charges
Processing Fee | Up to 3% of loan amount |
Prepayment charges and foreclosure charges | NIL |
Bounce Charges | Rs 1,000 |
Penal charges | 2% per month |
Loan cancellation charges | Up to 30 days- NIL Post that 1% of outstanding principal |
Conversion Charges | Up to 1.5% of loan amount |
Repricing Fee | 1% of outstanding principal |
Property documents copy | Rs 2,000 |

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Eligibility Criteria for Godrej Housing Finance LAP
- The applicant should be an Indian resident
- Job Profile: Salaried and Self-employed professionals
Documents Required for Godrej Housing Finance LAP
- PAN card/Form 16
- ID Proof/Address Proof: Passport, Driving License, Voter ID, Aadhaar card
- Income Proofs:
- For Salaried-
- Salary slip for last 1 month,
- Employment proof for last 2 years,
- Salary account statement for last 6 months,
- Bonus proof for last 2 years or variable incentive for last 6 months
- For Self-employed-
- Tax audit report,
- Bank account statement for past 12 months,
- Last 5 years business continuity proof,
- ITR and financial statement along with P&L balance sheet and schedules for last 2 years duly certified by CA
- For Self-employed Professionals-
- 5 years practice continuity proof,
- Tax audit report,
- GST challans,
- ITR and financial statements along with balance sheet, P&L, schedules and COI for 2 year certified by CA
- Bank account statement with rental credit and Registered Rent Agreement
- For Salaried-
- Property Documents

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