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Godrej Capital Home Loan

Godrej Capital Home Loan

Last Updated : May 1, 2024, 1:13 p.m.

Buying a home is still a dream of many middle-class individuals. But the home loans have made it easier for everyone to have a home of their own. While applying for a home loan the most important thing a person wants to know is the interest rate. People prefer home loans at a low-interest rate. So, if you are also looking for a home loan at a low-interest rate then you can explore the details of Godrej Capital. Godrej Capital is offering different types of loans so that you can easily buy a house or a property. The Interest Rate of Godrej Home Loan staring from 8.5% per annum. You must also see the documents required for Godrej Capital for Salaried and Self-Employed Individuals.

Apply Home Loan @ 8.65%* Rate

Godrej Capital Home Loan Interest Rate and Other Details

In the table given below, you can see the interest rate and processing fee of this loan.

Interest RateStarting from 8.5% p.a
Processing Fee for SalariedINR 999 + GST
Processing Fee for Self- Employed0.5% of the Loan Amount
TenureUp to 30 Years

Types of Godrej Capital Home Loans

There are three types of housing finance offered by Godrej Capital and you can explore all of them below:-

Home LoanDetails
Balance Transfer- You can do a Balance transfer and enjoy a low-interest rate on your existing home loan.
- A top-up loan is also available if you need more loans.
- EMI break feature is also available in the balance transfer.
- Loan disbursals are fast and quick.
Plot Loans- Plot loans are available at an interest rate of 9.19%
- You can borrow a loan for up to 80% of the plot value.
- EMI Break feature is available in the plot loan.
- You will get fast loan sanctions.
Loan Against Property- The rate of interest in this Godrej Home Loan is 9.75%.
- You can take this loan for up to 20 years.
- This loan is available for both personal needs and business needs.
- You can borrow a loan against property for up to INR 10 Crores.

Special Features of Godrej Capital Home Loan

Zero Touch Loan Process

One of a kind of product introduced by Godrej Capital where the customer can easily avail a housing loan without visiting the branch or submitting the physical documents. The entire journey from Login to disbursement is digitised. Only in case of resale transactions of property, original documents verification (ODV) is done.

Fast Turnaround Time (TAT)

The entire process is digital hence reducing the turnaround time for the application. In resale transactions since the ODV is done hence the TAT increases for validating the legal and technical details of the property.

Door Step Service

The customer doesn’t have to visit any branch for documents submission or signing of the loan agreement. In an endeavour to create digital journey, the preference is given to digital disbursement, however if due to any reason the digital disbursement is not getting successful, the customer doesn’t need to visit the branch. The dedicated team visits the customer to get the Loan Agreement signed.

Design Your EMI

Homebuyers can take control of their EMIs with flexible options offered by the company! They can customize their monthly payments and opt to pay only interest for select periods, making the journey towards homeownership more manageable. Whether individuals are eyeing homes under construction or ready-to-move-in properties, the company provides solutions tailored to their needs.

For those interested in ready-to-move-in properties, they can enjoy the flexibility of paying interest-only for up to 12 months. Meanwhile, individuals investing in under-construction properties can benefit from interest-only payments for an extended 48-month period. The company ensures that chosen interest payments meet minimum and maximum thresholds while offering the flexibility to adjust repayments based on financial capacity. Homebuyers can also leverage parallel funding offers from leading developers to simplify their financing journey. With these flexible EMI options, achieving homeownership goals becomes more accessible than ever!

Special payment plans to defer own contribution

Special payment plans are designed in collaboration with leading builders by Godrej Capital to promote ease of arranging the OCR for the customer. The loan disbursement begins once the customer has paid the set threshold for the OCR.

Godrej Capital Customer Care Number

The customer care number of Godrej Home Loan is 022-68815555 and you can apply for this loan online as well. The corporate office of GHF is in Mumbai, Pune, Bengaluru, Delhi, and Gurugram.

To Know More Details: https://www.godrejcapital.com/

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