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Here are a few factors

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Grihum Housing Finance Home Loan Features


Location

PAN India

Applicant Type

Salaried and Self-employed

Applicant Age

Salaried - 21-65 Years

Self-employed - 25-65 Years

Minimum Salary Per Month

Salaried - Rs. 20,000

Self-employed - Minimum ₹ 3 Lakh/annum(Gross)

Loan Amount 

Starting from Rs. 5.00 Lacs

Tenure


1-30 Years

Rate of Interest (Type)

9.90% to 17.25 p.a

Processing Fee

0.50% on Your Sanctioned Loan Amount plus GST

Foreclosure Applicable

Yes, With Minimal Charges


Co-Applicant Needed

Yes

Minimum Job Experience

1 Year

Experience with Current Employer

1 Year

Business Vintage for Self-employed

2 Years

Citizenship

Indian

USP

Self-Employed Professionals like Chartered Accountant, Company Secretary & Doctors can Apply for this Loan.

About Grihum Housing Finance Home Loan

Grihum Housing Finance is a leading provider of budget-friendly home loan options in the competitive market today. Grihum provides reasonable interest rates, flexible payback plans, and a simple application procedure. Our objective is to make house ownership affordable and relaxing for all. With a customer-focused approach, we prioritize openness and prompt loan distribution.

Right Documents - Easy Process

Required Documents to Apply for Grihum Housing Finance Loan against property

Salaried income documents

  • PAN
  • Aadhaar
  • Passport
  • Driving License
  • Voter ID
  • NREGA Job Card
  • NPR Letter
  • Last 3 months
  • salary slips
  • Form 16
  • IT Returns (2 years)
  • Last 6 months
  • salary credit statement
  • Property papers with legal & technical clearance

Self-Employed Individuals

  • PAN
  • Aadhaar
  • Passport
  • Driving License
  • Voter ID
  • NREGA Job Card
  • NPR Letter
  • IT Returns (2 years)
  • Profit/Loss Statement
  • Balance Sheet (2 years)
  • Last 6 months
  • operative account statement
  • Property papers with legal & technical clearance

Firm / Company

  • Firm/Company PAN
  • GST Registration (if applicable)
  • KYC of Partners/Directors (PAN & Aadhaar)
  • Electricity bill (owned premises)
  • Rent Agreement (rented premises)
  • Passport (Partners/Directors)
  • IT Returns (2 years)
  • Profit/Loss Statement
  • Balance Sheet (2 years)
  • GST Returns
  • Last 6 months
  • operative account statement
  • Property papers with legal & technical clearance
Leave Your Question

FREQUENTLY ASKED QUESTIONS

Salaried/self-employed professionals and businesses/companies can all apply.

The loan amount is determined regarding your disposable income, your loan repayment capacity, and the estimated value of the property.

Yes, self-employed persons are allowed to make an application for a Grihum home loan based on income evidence for the last two years, etc.

Interest rates are both benchmarkable and conditionable to loan amount, term, and application type.

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