Grihum Housing Finance Limited: Apke Sapno Ka Ghar Ab Asaan
Namaste doston! Aaj hum baat karenge "Grihum Housing Finance Limited" ke baare mein, jo India ka ek trusted housing finance company hai. Agar aap apna ghar kharidne, banane, ya renovate karne ka sapna dekh rahe hain, toh yeh article aapke liye perfect hai. Hum isme cover karenge Grihum Housing Finance ke baare mein sab kuch – from its background to loan application process, documents, eligibility, aur bhi bahut kuch. Toh chaliye shuru karte hain!
Grihum Housing Finance Limited Kya Hai?
"Grihum Housing Finance Limited", pehle "Poonawalla Housing Finance Limited" ke naam se jani jati thi, ek RBI-registered housing finance company hai jo TPG Group ke backing ke saath operate karti hai. Yeh company 2004 mein establish hui aur affordable housing finance ke liye jani jati hai, khas kar low aur middle-income groups ke liye. Grihum ka naam ‘Grih’ (ghar) aur ‘Hum’ (saath) se bana hai, jo iske mission ko reflect karta hai – har kisi ke ghar ke sapne ko sach karna.
Grihum Housing Finance 18 states aur 1 union territory mein 209+ branches ke saath kaam karta hai aur 84,000+ happy customers ke saath INR 8,700 crore+ ka Assets Under Management (AUM) hold karta hai. Yeh company home loans, home improvement loans, home construction loans, loan against property, aur balance transfer jaise products offer karta hai.
Key Services:
- Home Loans: New house, flat, ya villa kharidne ke liye.
- Home Improvement Loans: Ghar ke renovation ya repairs ke liye.
- Home Extension Loans: Ghar ko bada karne ke liye funding.
- Loan Against Property: Property ke against loan.
- Balance Transfer + Top-Up: Existing loans ko transfer karne aur extra funds ke liye.
Grihum apne "minimal documentation", "quick approvals", aur "competitive interest rates (starting at 9.90% p.a.)" ke liye popular hai, jo homeownership ko asaan banata hai.
More Information Check Out More Post
Grihum Housing Finance Se Loan Kaise Liya Jaye?
Grihum Housing Finance se loan lene ka process super simple aur hassle-free hai. Niche step-by-step guide diya gaya hai:
1. Online Application: Grihum ki official website (grihumhousing.com) pe ‘Apply Now’ button pe click karein ya toll-free number 1800-266-3204 pe call karein.
2. Fill Details Online Application: Grihum ki official contact number, income, aur loan type (home loan, LAP, etc.) fill karein.
3. Submit Documents: KYC, income, aur property documents upload karein (details niche hain).
4. Verification: Grihum ka team documents verify karega aur property ka assessment karega.
5. Loan Approval: Verification complete hone ke baad, loan approval 24-72 hours mein mil sakta hai.
6. Disbursal: Loan amount apke ya builder ke bank account mein transfer ho jayega.
Alternate Options:
- Branch Visit: Nearest Grihum branch (209+ locations) pe jayein. Timings: 10:00 AM to 5:00 PM, Monday-Saturday (1st & 2nd Saturday, Sundays, aur public holidays closed).
- Missed Call: 99-77-860-860 pe missed call dekar loan process start karein.
Pro Tip: Grihum ka Home Loan Eligibility Calculator website pe use karein to know your loan amount aur EMI in advance.
Important Documents for Grihum Housing Finance Loan
Loan apply karne ke liye kuch zaroori documents chahiye hote hain. Yeh documents aapke loan process ko fast aur smooth banate hain:
- Identity Proof: Aadhaar Card, PAN Card, Voter ID, ya Passport.
- Address Proof: Electricity bill, rent agreement, ya Aadhaar Card.
- Income Proof:
- Salaried: Last 3 months’ salary slips, 6 months’ bank statements, Form 16.
- Self-Employed: Last 2 years’ ITR, profit & loss statement, balance sheet.
- Property Documents: Sale agreement, property title deed, NOC from builder/society.
- Loan Details (for Balance Transfer): Existing loan statement aur repayment schedule.
- Passport-size Photographs: Recent photos for verification.
Note: Additional documents jaise business proof (for self-employed) ya co-applicant details bhi mang sakte hain. Digital uploads ke liye website ya branch visit karein.
Eligibility Criteria for Grihum Housing Finance Loans
Grihum Housing Finance ke loans ke liye eligibility criteria simple aur inclusive hain:
- Age: Minimum 21 years, maximum 65 years (loan tenure ke end tak).
- Borrower Type: Salaried individuals, self-employed individuals, proprietorship firms, partnership firms, ya private limited companies.
- Income: Stable income source (salaried ya self-employed). Minimum income depend karta hai loan type aur location pe.
- Credit Score: Decent credit score (650 ya usse zyada) better approval chances deta hai.
- Property Type: Residential property (new, resale, under-construction, bungalow, flat, villa).
- Co-Applicant: Family member (spouse, parents) ko co-applicant banakar eligibility badhai ja sakti hai.
Special Benefit for Women: Women applicants ko 0.05% interest rate concession milta hai, jo EMIs ko aur affordable banata hai.
Benefits of Choosing Grihum Housing Finance
Grihum Housing Finance kyun choose karein? Yahan kuch reasons hain:
Affordable Interest Rates: Loans starting at 9.90% p.a.
Flexible Tenure: 1 se 30 years tak repayment period choose karein.
Minimal Documentation: Simple paperwork aur quick processing.
Tax Benefits: Home loans pe Section 80C ke under up to ₹2 lakh (principal) aur ₹1.5 lakh (interest) ka tax deduction.
Top-Up Loans: Existing customers ke liye extra funds ka option.
Wide Reach: 209+ branches across 18 states, ensuring accessibility.
Customer Stories: “Meri loan applications baar-baar reject ho rahi thi, lekin Grihum ne meri financial situation samjhi aur minimal documents ke saath loan diya. Ab main apne ghar mein khush hoon!”
Grihum Housing Finance Loan Repayment Kaise Kare?
Loan repayment karna bhi bahut asaan hai. Aap in methods ka use kar sakte hain:
Bajaj Finserv:
- Bajaj Finserv website ya app visit karein.
- ‘PAYMENTS’ tab mein ‘PAY NOW’ select karein.
- Dropdown se ‘Grihum Housing Finance Limited’ choose karein.
- Loan number enter karke payment method (credit card, debit card, UPI, net banking) select karein.
- Payment confirm karein aur SMS/email confirmation receive karein.
- Paytm: Net banking, debit card, ya Paytm wallet se EMI pay karein.
- Branch Payment: Nearest Grihum branch mein cash ya cheque se payment.
Loan Settlement Process: Agar aap loan settle karna chahte hain:
- Grihum ke customer support se contact karein (1800-266-3204).
- Financial situation discuss karke settlement terms negotiate karein.
- Identity proof, loan details, aur income statements submit karein.
- Agreed amount pay karein.
Note: Loan settlement credit score pe negative impact daal sakta hai, isliye financial advisor se consult karein.
FAQs About Grihum Housing Finance Limited
1. Grihum Housing Finance kya services provide karta hai?
Grihum home loans, home improvement loans, home extension loans, home construction loans, loan against property, aur balance transfer + top-up services offer karta hai.
2. Minimum loan amount kitna hai?
Grihum se home loans ₹5 lakh se shuru hote hain.
3. Kya women ke liye koi special benefit hai?
Haan, women applicants ko 0.05% interest rate concession milta hai.
4. Loan approval kitne time mein hota hai?
Agar documents complete aur valid hote hain, toh approval usually 24-72 hours mein mil jata hai.
5. Grihum ka registered office kahan hai?
Registered office: 6th Floor, B Building, Ganga Trueno, Lohegaon, Pune, Maharashtra 411014 (effective 18th Dec 2024).
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Questions with Perfect Answers
Q1: Grihum Housing Finance se loan lene ke liye minimum income kitni honi chahiye?
A: Minimum income loan type aur applicant ke profile pe depend karta hai. Salaried ke liye usually ₹15,000-20,000 monthly income aur self-employed ke liye stable annual income chahiye. Exact details ke liye Grihum se contact karein ya eligibility calculator use karein.
Q2: Kya Grihum ke loans ke liye collateral chahiye?
A: Home loans ke liye collateral ki zarurat nahi, lekin loan against property ke liye residential ya commercial property as collateral dena hota hai.
Q3: Grihum Housing Finance ka customer care kaise contact karein?
A: Aap toll-free number 1800-266-3204 pe call kar sakte hain ya email ([email protected]) ke through contact karein. Branch visit bhi ek option hai.
Conclusion
"Grihum Housing Finance Limited" ek reliable housing finance company hai jo apke ghar ke sapne ko sach karne mein madad karti hai. Iske affordable interest rates, minimal documentation, aur flexible repayment options isse low aur middle-income families ke liye ideal banate hain. Bas eligibility check karein, documents ready rakhein, aur online ya branch ke through apply karein.
Koi sawal ho toh comment mein pooch sakte hain ya Grihum ki official website (grihumhousing.com) visit karein. Apna ghar, apni pehchaan – Grihum ke saath abhi shuru karein!
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