- Expert of all properties and income
- Up to 80% loan, fast approval
- Long tenure, high eligibility
- Low rate of interest from top banks
- Plot purchase and construction loan approval
- PMAY, income tax benefits with composite loan
- 100s of happy customers
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Institutions We Deal With…
Best Plot Loan Rate of Interest 2022
Best banks offer for plot loan interest rates
|Bank's Name||Lowest Rate Offer|
|Axis Bank Plot Loan Interest Rate||7.60%|
|HDFC Plot Loan Interest Rate||8.10%|
|ICICI Plot Loan Interest Rate||8.10%|
|LIC Plot Loan Interest Rate||7.70%|
|PNB Plot Loan Interest Rate||8.50%|
|SBI Plot Loan Interest Rate||7.85%|
Loan for Plot Purchase and Construction
For most locations, banks give loan for plot purchase and construction. With this, the property becomes productive, plus you get PMAY and tax benefits.
|Plot Location||Plot Plus Construction|
|Authority Allotted Plot||Optional|
|Approved Builder Allotted Plot||Optional|
|Plot in Approved Colony||Optional (higher rate for plot-only loan)|
|Plot in Extended Lal Dora||Optional (higher rate for plot-only loan)|
|Plot in Lal Dora / Gram Panchayat Land||Optional (higher rate for plot-only loan)|
|Plot in Unauthorized Colony (with sale deed)||Optional (higher rate for plot-only loan)|
Joy Loan: Expert Assistance, Express Fast Service
Our expert advice guarantees excellent offers better than our competitors. We get you tremendous time and money-saving loans from top banks.
For non-standard cases, we charge a “fraction of the cost” you will spend with our competitors. This is why hundreds of customers like you choose us over our competitors.
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FAQ Plot Loan
Home loan for residential plot only
You can get for approved and freehold plot.
Pradhan Mantri Avas Yojna (PMAY) Benefit on plot purchase
PMAY subsidy is only for buying built-up homes or construction of homes. So, you can only get this benefit with a plot plus construction loan.
Bank loan for plot plus construction
Banks prefer to offer composite loans for plot purchase and construction.
They disburse plot loan at the time of registry of plot. Remaining construction loan is disbursed in 3 to 5 installments basis on construction progress.
Plot loan on unapproved land
You can get loan for plot purchase and construction in an unapproved colony
* Sale deed should be open at the location
* Sale deed should be as residential land
* A new site must have at least 30% built-up houses.
Gram Panchayat plot loan (Lal Dora plot purchase loan)
You can get plot and construction loan for these areas
Plot loan on agricultural land
* Registry should be open
* Registry should be as residential plot
* A new site must be at-least 30% populated
Plot loan on Non-Agricultural (NA) land
* Sale deed can be directly from farmer (Kisan)
* In Uttar Pradesh 143 certificate should be issued
* New plotting site to have minimum 30% houses
Commercial plot loan
Commercial plot loan is available. But it does not have home loan benefits.
Industrial plot loan
You can get industrial plot loan but without home loan benefits.
How to apply for plot loan
We help you choose right bank for your need. We also provide doorstep and online service to apply for loan
Advantage of choosing Joy Loan
* Solution for all properties and incomes
* Local, professional, and experienced team
* Complete guidance and support
* Simplify the process for effortless loan
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