Plot Purchase & Construction Loan Overview

LoanPao’s Plot Purchase & Construction Loan in India 2025 enables you to buy a plot and fund home construction, with interest rates starting at 8.75% p.a. and tenures up to 20 years. As a secured loan, it offers disbursal within 5–7 days through our network of 500+ RBI-compliant lenders. Ideal for building your dream home, with loans up to 80% of property value. Your property documents are securely processed. For other financing options, explore our Home Loan or Personal Loan.

Apply below or use our EMI Calculator to plan repayments. Contact us at +91-971-769-5334 for assistance.

Benefits of Plot Purchase & Construction Loan

Competitive Rates

Rates starting at 8.75% p.a.

Quick Disbursal

Funds credited in 5–7 days.

Secure Processing

Property documents securely handled.

Trusted Lenders

500+ RBI-compliant partners.

Flexible Documentation

Minimal documentation for salaried and self-employed.

High Loan-to-Value

Up to 80% of property value.

Eligibility Criteria

Criteria Details
Age 21–65 years
Income Minimum ₹25,000/month (salaried) or ₹3 lakh p.a. (self-employed)
Property Clear title, approved by local authorities
Nationality Indian resident
CIBIL Score 650+ preferred
Employment Minimum 1 year (salaried) or 2 years (self-employed)

Contact info@loanpao.in for eligibility queries.

Documents Required

  • Aadhaar Card
  • PAN Card
  • Income Proof (salary slips, ITR, bank statements)
  • Property Documents (sale agreement, title deed)
  • Construction Plan and Approvals
  • Passport-size Photograph

Note: Income proof may be flexible for secured loans, contact us for details.

How to Apply for a Plot Purchase & Construction Loan

Get your loan with LoanPao in 3 simple steps:

  1. Fill the form below with your details.
  2. Submit KYC, income, and property documents for verification.
  3. Receive funds in your account within 5–7 days post-verification.

Apply now or call +91-971-769-5334 for support.

Compare Plot Purchase & Construction Loan Offers

Lender Interest Rate (p.a.) Loan Amount Tenure Processing Fee
Bank A 8.75%–10.5% ₹10 lakh–₹5 crore 1–20 years 0.5–1%
NBFC B 9%–11.5% ₹5 lakh–₹2 crore 1–15 years 1–2%
Housing Finance C 9.25%–12% ₹15 lakh–₹3 crore 1–18 years 0.75–1.5%

Note: Rates and terms are indicative as of July 2025. Contact LoanPao for updated offers.

Types of Plot Purchase & Construction Loans

  • Plot Purchase Loan: For buying residential plots approved by authorities.
  • Construction Loan: For funding home construction on owned or purchased plots.
  • Composite Loan: Combined loan for plot purchase and construction.
  • Plot Loan with Overdraft: Flexible credit line for ongoing construction needs.
  • Top-Up Loan: Additional funding for construction or renovation.

Why Choose LoanPao for Plot Purchase & Construction Loans?

Wide Lender Network

Access 500+ RBI-compliant lenders.

Fast Disbursal

Funds in 5–7 days post-verification.

24/7 Support

Contact us at +91-971-769-5334.

Tips for Getting a Plot Purchase & Construction Loan

  • Ensure plot has clear title and local authority approvals.
  • Compare interest rates and tenures across lenders.
  • Prepare a detailed construction plan for faster approval.
  • Use our EMI Calculator to plan repayments.
  • Contact LoanPao for trusted lender options.

Frequently Asked Questions

A Plot Purchase & Construction Loan is a secured loan to buy a plot and fund home construction, offered at competitive rates.

Individuals aged 21–65 with a stable income and valid property documents.

Low rates from 8.75% p.a., flexible tenures up to 20 years, and quick disbursal.

Aadhaar, PAN, income proof, property documents, and construction plan.

LoanPao ensures disbursal within 5–7 days after document verification.