09/04/2026
SHUBHAM HOUSING DEVELOPMENT FINANCE CO. LTD.
Housing Loan (HL) & Loan Against Property (LAP)
(Subject to Terms & Conditions)
Housing Loan (HL)
Rate of Interest starting from 10.25% p.a.*
Loan to Value (LTV) up to 87%
Loan amount up to ₹50 Lakhs
Loan Against Property (LAP)
Rate of Interest starting from 14.50% p.a.*
Loan to Value (LTV) up to 65%
Loan amount up to ₹50 Lakhs
Eligible Property Types
Residential and Commercial Properties
Gram Panchayat / Gavthan Properties
SRA / MHADA / MMRDA / CIDCO Properties
Properties with common balcony / common areas
(Property acceptance subject to legal and technical due diligence)
Key Eligibility Highlights
Income assessment may be based on alternative income documents
Cash income cases may be considered, subject to internal policy
Rental income and pension income may be considered
Multiple family incomes may be clubbed, subject to eligibility norms
Minimum CRIF score 300+, subject to no current overdue / bounce / DPD
Loan tenure up to 300 months (25 years), subject to product norms
Small-ticket LAP up to ₹10 Lakhs may be considered on a case-to-case basis
Women Borrower Benefits
Preferential interest rates and enhanced eligibility may be available for women borrowers
(As per applicable schemes and internal policies)
Important Disclaimer
Rates of interest, loan amount, tenure, and eligibility are subject to credit appraisal, property valuation, legal & technical verification, and company policies.
Final sanction is at the sole discretion of Shubham Housing Development Finance Co. Ltd.
Contact Person:
Name: Nitin Bhandare
Mobile: 8652288033
