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Loan Against Plot

Leverage the value of your plot to unlock the funds you need—apply now!

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    Tailored Loan Solutions
  • icon
    Tenure of up to 15 years
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    Loan Amount from ₹2 lakh to ₹30* lakh
Express Application

Loan Amount

1 Lakhs
2 Lakhs 30 Lakhs

Rate of Interest

1%
1 20

Loan Tenure

1 Year
1 15
Monthly EMI
₹ 8,379
Total Interest
₹ 542
Total Payment
₹ 1,00,542
Apply Now

Gross Income (Monthly)

50000
10,000 75,00,000

Tenure (Years)

1
1 30

Interest Rate (% P.A.)

1
1 25

Other EMIs (Monthly)

1000
1,000 1,00,000
Your Home Loan Eligibility
₹ 59076
Your Home Loan EMI will be
₹ 4950/Monthly
Apply Now
About Loan Against Plot

At DMI Housing Finance, we understand that a plot of land holds limitless potential. With our Loan Against Plot, you can transform that potential into the funds you need to expand your business, secure your family’s future, or fulfil personal ambitions. With loan amounts ranging from ₹2 lakh to ₹30 lakh and a repayment tenure of up to 15 years, we offer flexible funding with no restrictions on usage, at an interest rate of 12.50% p.a. onwards. Our friendly team is here to make the process simple and stress-free, helping you unlock the value of your property to achieve your dreams.

Quick Disbursal

Quick
Disbursal

Quick Disbursal

No-Hidden
Charges

Quick Disbursal

Minimum
Documentation

Quick Disbursal

Attractive
Interest Rate

Why Choose DMI Housing Finance for Loan Against Plot?

Eligibility Criteria
No Usage Restrictions: Whether for business, education, or personal needs, our Loan Against Plot provides funds with complete freedom of usage.
Smooth, Hassle-Free Process: Skip multiple branch visits. Our agents can visit your location to collect documents, streamlining the application process.
Wide Branch Network: Prefer in-person assistance? Our 45 branches nationwide are staffed with representatives ready to guide you through each step.
Income Requirements: With a minimum monthly income of ₹10,000, our loan is designed to be accessible to many individuals.
Loan Balance Transfer Option: Transfer an existing loan to us for a reduced interest rate, helping you manage your finances more effectively.
Eligibility Criteria for Loan Against Plot

We are committed to providing financial solutions that are accessible to everyone, irrespective of their profession or income source. Our Loan Against Property is designed with inclusive and adaptable eligibility criteria, allowing individuals from various backgrounds to secure the necessary funds.

Eligibility for Bank-Salaried Individuals

Min Age: 21 years

Max Age: 65 years (or retirement age)

Eligible Employment Types: Private, Government, MNC, and contractual employees

Minimum Monthly Income: ₹10,000 onwards

Loan Tenure: Up to 15 years

LTV Ratio: 60% of the property value as the loan amount

Eligibility for Self-Employed Individuals

Min Age: 21 years

Max Age: 75 years (at the time of loan maturity)

Eligible Applicants: Business professionals and non-professional individuals who file ITR or have Informal Income Documents

Minimum Monthly Income: ₹10,000 onwards

Loan Tenure: Up to 15 years

LTV Ratio: 60% of the property value as the loan amount

Required Documents

  • Valid Passport
  • Voter ID
  • Aadhaar Card
  • Pan Card
  • Valid Driving License

  • Valid Passport
  • Voter ID
  • Aadhaar Card
  • Pan Card
  • Valid Driving License

  • Valid Passport
  • Voter ID
  • Aadhaar Card
  • Pan Card
  • Valid Driving License
  • Latest Electricity Bill
  • Latest Utility Bills: Telephone Bill (MTNL/BSNL/Non-Private Service Provider), Water Bill, Property Tax Receipt

  • Salary Slips for the last 3 months
  • Bank Statements for the last 6 months
  • Form – 16

  • Salary Certificate for the last 3 months

  • Latest 2-year Income Tax Return (ITR) with income computation
  • Udhyam Aadhar/Business Registration
  • Bank Statements for the last 12 months

  • Udhyam Aadhar/Business Registration
  • No ITR required
  • Bank Statements for the last 12 months

  • Title Deeds of the Plot
  • Proof of No Encumbrances on the Property
Apply For Loan Against Plot
Choose the Right Housing Loan for You
Home Flat
Home Loan

DMI Housing Finance offers competitive House/Flat Purchase Loans to help you own the perfect home without financial stress.

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Plot Purchase Loans
Plot Purchase Loan

Purchase your ideal plot of land easily with our Plot Purchase Loan, designed for secure and flexible financing.

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Home Construction
Home Construction Loan

DMI Housing Finance provides Construction Loans with easy terms, helping you turn your home construction plans into reality.

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Plot Purchase Loans
Home Extension Loan

Add more space to your home and happiness with DMI’s Home Extension Loan — affordable, fast, and an easy process for home improvements.

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Plot Purchase Loans
Home Renovation Loans

Give your home a fresh new look with DMI’s Home Renovation Loan— simple process, flexible terms, and a stress-free experience.

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Plot Purchase Loans
Home Loan Balance Transfer

Our home loans can be availed for Balance Transfers only on self-occupied residential properties. You can avail a maximum loan amount of ₹30 lakh.

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Plot Purchase Loans
Loan Against Property

We accept houses/residential property as collateral against which we provide secured loans to self-employed individuals for business and personal needs.

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Plot Purchase Loans
Loan Against Property Balance Transfer

Our Loan Against Property Balance Transfer option allows you to unlock better rates and terms on your existing loan.

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Frequently Asked Questions (FAQs)

Find answers to all your Loan Against Plot questions with DMI Housing Finance

A Loan Against Plot is a secured loan that allows you to borrow funds by mortgaging your plot with a bank or NBFC. Here, your plot serves as collateral. This property could be residential or commercial.

You can take a loan against plot from DMI Housing Finance by providing any income proof that suits your profession. We have laid down different loan eligibility criteria for various professionals to make our loan accessible to maximum individuals.

If you apply digitally with all the required documents and details, your loan against plot application will be approved in 1 working day at DMI Housing Finance. Our team strives to process loans as quickly as possible for your convenience.

A loan against plot is a secured loan. Borrowers mortgage their plot to a bank or NBFC to take a loan. In the event of continued default, the lender may collect the outstanding amount by selling the property.

If you are utilising funds from a loan against plot for a house purchase or construction of a residential property, under Section 80C, you can claim up to ₹1.5 lakh on the principal repayment. Under Section 24(b), you can claim up to ₹2 lakh on interest paid for a self-occupied property, and there is no limit for a let-out property.

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