Home Loans

Kerala Gramin provides Home Loans at attractive rates. We help you to fullfill your dream of a new house. KGB offers loans for Purchase/ Construction/ Renovation of house / Flat.

Purpose

  • Purchase of house property
  • Construction/extension of house property
  • Purchase of ready built Flat
  • For undertaking repairs, renovation, up - gradation, extension, ceration of additional amenities
  • Housing Loan for Second House / Flat.

Eligibility

  • Individuals and NRI having sufficient and regular income
  • Age of the applicant shall not be more than 55 years

Limit & Margin

    Limit

  • For Residents 5 times of annual income
  • For NRI - 4 times of annual income
  • Margin

  • 20% of the total cost

Security

  • Equitable Mortgage of land and building constructed / to be constructed / to be purchased by Bank Finance.
  • The value of the property should be atleast 125% ot the loan limit.

Repayment

  • Tennure upto 30 Years
  • Repayment holiday upto 18 months can be availed.

Interest Rates & Charges

  • Please visit Loan Interest Rates page for details
  • Purchase of house property
  • Construction/extension of house property
  • Purchase of ready built Flat
  • For undertaking repairs, renovation, up - gradation, extension, ceration of additional amenities
  • Housing Loan for Second House / Flat.
  • Individuals and NRI having sufficient and regular income
  • Age of the applicant shall not be more than 55 years

    Limit

  • For Residents 5 times of annual income
  • For NRI - 4 times of annual income
  • Margin

  • 20% of the total cost
  • Equitable Mortgage of land and building constructed / to be constructed / to be purchased by Bank Finance.
  • The value of the property should be atleast 125% ot the loan limit.
  • Tennure upto 30 Years
  • Repayment holiday upto 18 months can be availed.

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