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Godrej Housing Finance Loan Against Property

Home Loan Against Property Godrej Housing Finance

Godrej Housing Finance offers Loan Against Property @ 9.75% p.a. onwards for loan amounts of up to Rs 10 crore and for tenures of up to 20 years to meet personal and business requirements of the applicants. It also provides 3 predefined EMI waivers in the first 3 years of loan tenure, i.e., salaried customers can avail EMI break during tax season (March), self-employed applicants can avail EMI break during festival season (September) and practicing professionals can avail EMI waiver during holiday season (June).

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Updated: 31-01-2023 13:28:38 PM

Godrej Housing Finance LAP Highlights 

Interest Rates9.75% p.a. onwards
Loan AmountUp to Rs 10 crore
LTV RatioUp to 70% of property value
TenureUp to 20 years
Processing FeeUp to 3% of loan amount
Note: Rates as of 31st January 2023

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Godrej Housing Finance LAP Interest Rates

Type of ApplicantInterest Rates (p.a.)
Salaried9.75% onwards
Self-employed9.75% onwards

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Compare Interest Rates on Loan Against Property for Top Banks & HFCs

Name of the LenderInterest Rate (% p.a.)
State Bank of India10.35-11.05
Bank of Baroda10.55-16.20
PNB Housing Finance9.65-13.00
IDFC First Bank8.75-16.25
HDFC9.35-12.25
L&T Housing Finance9.60 onwards
LIC Housing Finance9.10-12.25
Godrej Housing Finance9.75-14.50
ICICI Bank9.75-10.90
Tata Capital9.85 onwards
Bajaj Housing Finance9.85-10.80
Axis Bank9.90-10.35
Kotak Mahindra Bank9.15 onwards

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Godrej Housing Finance LAP Fees and Charges

Processing FeeUp to 3% of loan amount
Prepayment charges and foreclosure chargesNIL
Bounce ChargesRs 1,000
Penal charges2% per month
Loan cancellation chargesUp to 30 days- NIL

Post that 1% of outstanding principal

Conversion ChargesUp to 1.5% of loan amount
Repricing Fee1% of outstanding principal
Property documents copyRs 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
  • Property Documents

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