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Home Loan
Godrej Housing Finance (GHF) is a new-age, digitally driven home loan provider from the trusted Godrej Group, offering transparent, flexible, and customer-first home financing solutions.
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Compare all Godrej Housing Finance home loan types with interest rate, tenure, LTV and maximum loan amount.
Godrej Housing Finance provides a wide selection of home loan solutions for salaried, self-employed, NRIs and existing borrowers. From standard home purchase to top-up and balance transfer, each loan type is designed to offer maximum flexibility, higher eligibility and affordable EMIs with secure digital processing.
📘 Godrej Housing Finance Home Loan Types & Features
| Loan Type | Floating Rate (p.a.) | Fixed Rate (p.a.) | Max Tenure | LTV | Max Loan Amount |
|---|---|---|---|---|---|
| Home Purchase Loan | 8.35%–10.40% | 9.25%–10.90% | 30 yrs | Up to 90% | ₹5 Cr+ |
| Home Loan Balance Transfer | 8.35%–10.20% | 9.00%–10.50% | 30 yrs | Up to 80% | ₹5 Cr+ |
| Self-Employed Home Loan | 8.60%–11.50% | 9.50%–12.00% | 25 yrs | Up to 85% | ₹3–5 Cr |
| Home Construction Loan | 8.50%–11.00% | 9.25%–11.60% | 25 yrs | Up to 80% | ₹5 Cr+ |
| Home Renovation Loan | 8.75%–11.75% | 9.75%–12.25% | 20 yrs | Up to 85% | ₹50 Lakhs+ |
| Top-Up Loan | 9.10%–12.00% | 10.10%–12.75% | Co-tenure | Up to 75% | ₹50 Lakhs+ |
✨ PoketCare Pro Tip
👉 Floating rate is usually cheaper long-term; choose fixed rate only when you want completely stable EMIs.
Get expert-recommended home loan insurance options for Godrej Housing Finance borrowers.
Choosing the right home loan insurance protects your family and secures your property against unexpected events. Godrej Housing Finance encourages borrowers to opt for a combination of term insurance and property insurance for maximum coverage at minimum cost.
Recommended Plans
- 🛡️ Home Loan Protection Plan (HLPP)
- 👨👩👧👦 Term Insurance
- 🏚️ Property/Structure Insurance
✨ PoketCare Pro Tip
👉 Always compare premiums before finalizing. Term insurance usually gives higher coverage at a lower price than bundled HLPP.
Check ideal borrower profile, income requirements and CIBIL score eligibility for Godrej Housing Finance Home Loan.
Godrej Housing Finance home loans suit first-time buyers, salaried earners, self-employed professionals, business owners and NRIs. Eligibility is based on CIBIL score, income stability, age, employment history and property documents.
🎯 Ideal Borrowers
- Salaried employees
- Self-employed professionals
- NRIs with verified income
- First-time home buyers
- Borrowers seeking balance transfer savings
📌 Eligibility Criteria
- CIBIL Score: 700+ (750+ preferred)
- Age: 23–65 years
- Minimum Income: ₹25,000/month
- Business Vintage (SE): 3+ years
- Employment Stability: 2+ years
✨ PoketCare Pro Tip
👉 Add a female co-applicant to enjoy better interest rates + higher loan eligibility.
Complete documents checklist for Godrej Home Loan – Salaried, Self-Employed & NRI Applicants.
To speed up your approval, prepare your KYC, income proof, bank statements and property papers in advance. Godrej Housing Finance verifies documents digitally for faster processing and instant sanction letters through PoketCare.
🗂️ Documents Required
| Applicant Type | Documents Required |
|---|---|
| Salaried | Aadhaar, PAN, Address proof, Photos, Salary slips (3–6 months), Bank statements, Form 16, Employment proof |
| Self-Employed | Aadhaar, PAN, GST/Business registration, ITR (2–3 years), Balance Sheet, P&L, Bank statements, Office address proof |
| NRI | Passport, Visa/OCI/PIO, Overseas address proof, Salary slips, Foreign bank account statement, Indian NRE/NRO statement, POA |
✨ PoketCare Pro Tip
👉 Upload all documents in PDF under 5MB for the fastest digitized verification.
Processing fee, foreclosure fee, prepayment charges, legal charges & all hidden fees explained.
Godrej Housing Finance maintains a transparent fee structure across processing, legal, technical and documentation charges. Floating-rate loans have zero foreclosure fees, allowing you to prepay anytime without any penalty.
🧾 Applicable Charges
| Charge Type | Amount / Range |
|---|---|
| Processing Fee | 0.50% – 2% |
| Legal & Technical | ₹5,000 – ₹15,000 |
| Documentation Fee | ₹1,000 – ₹3,000 |
| Part-Prepayment (Floating) | Zero |
| Foreclosure (Floating)** | Zero |
| Foreclosure (Fixed)** | 2% – 4% |
| Stamp Duty | 3% – 7% (state-wise) |
| MODT Charges | 0.2% – 0.5% |
✨ PoketCare Pro Tip
👉 Choose floating rate if you plan to prepay early—there’s zero prepayment penalty.
Explore top benefits like flexible EMI plans, low rates, high LTV, fast approval and digital onboarding.
Godrej Housing Finance home loans combine modern technology with trusted service. You get flexible repayment options, competitive rates and high LTV—making your dream home more affordable and easier to own.
🌟 Top Benefits
🏦 Trusted Godrej legacy
⚡ Instant digital sanction
🧾 Flexible EMI structure
📉 Competitive interest rates
🔄 Easy balance transfer
🏡 High LTV for better affordability
💳 Transparent, no hidden charges
📲 100% digital onboarding
🤝 Dedicated customer support
✨ PoketCare Pro Tip
👉 Compare Godrej with 50+ lenders on PoketCare to get the lowest interest rate available for your profile.
Useful Links for Home Loan Borrowers
Use PoketCare’s smart tools to calculate EMIs, check CIBIL score, compare lenders and verify subsidy eligibility—all in one place. These tools help you take a confident, informed home loan decision.
🧮 Home Loan EMI Calculator
📊 Check CIBIL Score
🏡 PMAY Subsidy Checker
🔄 Balance Transfer Calculator
✨ PoketCare Pro Tip
👉 Always check EMI affordability before applying. It helps maintain healthy financial planning.
Conclusion – Your Home Loan Journey Begins Better with Godrej + PoketCare
Godrej Housing Finance offers one of the most transparent and flexible home loan experiences in India. With PoketCare’s AI-driven comparison and priority assistance, you get the best-matched home loan, fastest approval and lowest possible EMI.
✨ PoketCare Pro Tip
👉 Apply through PoketCare to unlock exclusive offers, faster approvals and full home loan guidance—free of cost.