Mortgage SolutionsLow Interest.
Low Interest.
High Precision.
Unlock the doors to Mumbai's finest addresses with bespoke home loan offers from India's premier banking institutions.
Preferred Financial Partners
SBI
HDFC BANK
ICICI BANK
AXIS BANK
KOTAK
LIC HFL
percent
Rates from
8.35% p.a.
Lowest Rates
Exclusive interest rates reserved for GrihaNivas clients — sourced from 6 premier lenders.
flash_on
Fast Approval
Digital-first process with approvals in under 24 hours.
handshake
Expert Advice
Dedicated managers for complex Mumbai documentation.
description
Ease of Use
Doorstep document pickup and digital verification.
The Workflow
Simple 4-Step Journey
1
Apply Online
Fill the simple digital form.
2
Counseling
Expert calls to understand your needs.
3
Compare
Review offers from top-tier banks.
4
Disbursement
Get sanctioned in record time.
Start ApplicationYour Dream Home
Your Dream Home
Starts Here.
Provide your basic details and our senior financial engineers will curate the best possible mortgage structures.
No hidden consultation fees
AES-256 bank-level encryption
Personalized counseling sessions
Knowledge Base
Expert Insights
What is the current home loan interest rate in Mumbai?
Rates currently range between 8.35% and 9.15% p.a. depending on your credit score, loan tenure, and the lender. Salaried applicants with a CIBIL score above 750 typically qualify for the lowest tier. GrihaNivas partners with SBI, HDFC, ICICI, Axis, Kotak, and LIC HFL.
What documents are required for a home loan application?
For salaried applicants: last 3 years' ITR with Form 16, last 6 months' salary slips, last 12 months' bank statements, PAN card, Aadhaar, and property documents. For self-employed: 3 years' ITR with P&L and balance sheet, GST returns, and business proof.
How much loan am I eligible for?
Most banks sanction up to 75–80% of the property's market value (LTV ratio). Eligibility also depends on your net monthly income — typically banks approve an EMI of up to 40–50% of your take-home pay. Our advisors run a free eligibility check before you apply.
What is the typical loan processing time?
With GrihaNivas's digital-first process, in-principle approval takes 24–48 hours for complete documentation. Final sanction and disbursement typically follows within 7–10 working days after property legal verification.
Can I get a home loan for an under-construction property?
Yes. Banks disburse in tranches linked to construction milestones. You pay pre-EMI interest on the disbursed amount until possession, after which full EMIs begin. Ensure the project is MahaRERA-registered — all properties listed on GrihaNivas meet this requirement.
What is the stamp duty impact on my total purchase cost?
In Mumbai, stamp duty is 6% for male buyers, 5% for female buyers, and 5% for joint (male+female) purchases, calculated on the higher of agreement value or Ready Reckoner Rate. Registration charge is a flat ₹30,000. This is separate from your loan amount and must be paid upfront.