A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Godrej Housing Finance Home Loan

    Godrej Housing Finance home loans have flexible repayment options and customised income assessments. Home loan interest rates start at 6.69% p.a. with a maximum repayment tenure of 30 years. The home loans can be used to purchase under-construction property in approved projects or resale homes.

    Godrej Housing Finance Details

    Here are the important details of Godrej Housing Finance home loans:

    Interest Rate 6.69% p.a. to 9.99% p.a.
    Loan Amount Based on eligibility
    Processing Fees Up to 3% of the loan amount
    Prepayment/Foreclosure Charges Contact the lender
    Max Tenure 30 Years
    Rate Packages Available Floating rate

    Godrej Housing Finance Interest Rates

    Godrej Housing Finance offers the following interest rates based on the type of employment and resident status:

    Type of Employment Interest Rate Range
    Resident Indian - Salaried 6.69% p.a. to 8.99% p.a.
    Resident Indian – Self Employed 7.09% p.a. to 9.99% p.a.
    Resident Indian – Practicing Professionals 7.09% p.a. to 9.99% p.a.
    Non-Resident Indian - Salaried 6.99% p.a. to 8.99% p.a.

    Godrej Housing Finance EMI Calculator

    Knowing how much your Equated Monthly Instalment (EMI) will be for your home loan makes it easier to budget your finances and ensure that your EMIs are paid on time every month. You can find out how much your EMI will be by using the free online EMI calculator. All you have to do is enter your desired loan amount and tenure as well as the interest rate that is applicable for you. You will get an instant result for your EMI as well as a detailed amortisation schedule with a breakup of your interest and principal amount. This is quicker and more accurate than doing a manual calculation.

    Godrej Housing Finance Home Loan EMI Calculation

    The example given below is based on an interest rate of 6.69% p.a.:

    Amount 10 years 20 years 30 years
    Rs.10 lakh Rs.11,452 Rs.7,568 Rs.6,446
    Rs.20 lakh Rs.22,903 Rs.15,136 Rs.12,892
    Rs.40 lakh Rs.45,807 Rs.30,272 Rs.25,785
    Rs.50 lakh Rs.57,259 Rs.37,840 Rs.32,231

    Documents Required for Godrej Housing Finance

    These are the documents required to be eligible for a home loan from Godrej Housing Finance:

    Proof of income:

    • Salary Certificate authorized on company letterhead the company’s signatory/ Latest salary slip
    • Proof of employment of the last 2 years (either one of the following or others):
      • Employer letter
      • Joining date on salary slip
      • Appointment letter
      • Form 16
    • Statement of salary account of the last 6 months
    • Bank statements reflecting credits of bonus of the last 2 years and variable incentive of the last 6 months as well as salary slip reflecting the variable incentive or bonus

    Proof of address and identity:

    • Any one of the following documents:
      • Valid driving licence
      • Valid Voter’s ID
      • Valid passport
      • Aadhaar card
    • PAN card or Form 60 is mandatory

    Property Documents

    For under-construction property:

    • Stamped agreement for sale or allotment letter
    • Bank account statements reflecting payments to the builder or payment receipts of the same

    For resale property:

    • Occupancy Certificate (for properties that are completed) or a copy of the approved plan/blueprint
    • Prior Chain Link title documents
    • Bank account statements reflecting payments to the builder or payment receipts of the same

    For resale properties in Maharashtra:

    • Share Certificate
    • Maintenance bill
    • Property tax receipt

    And any one of the following:

    • Draft Agreement for Sale
    • Stamped Agreement for Sale
    • Current Registered document
    • Allotment Letter

    Godrej Housing Finance Customer Care Details

    Here are the details of Godrej Housing Finance customer care:

    Email address: customercare@godrejhf.com

    Telephone: +91-22-68815555 (available from 9 am to 6 pm, Monday through Sunday except on national holidays)

    Corporate Office Address (open from 9:30 am to 6 pm, Monday through Friday):

    Godrej One, Pirojshanagar,
    Eastern Express Highway, Vikhroli (E),
    Mumbai, Maharashtra-400079


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