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Loan offerings > Plot Loans


Found the plot of land where one want home to be, or which One simply want to own? One can purchase non-agricultural land situated within Municipal / Local Development Authority limits, whether One are salaried or self-employed, easily through OCHFL Plot Loans.

Amount of loan

One can avail a loan from Rs.2, 00,000- 90, 00,000-/ but not exceeding the 75% of the cost of property. The actual loan amount is determined taking into account factors like:

Loan tenure:

The tenure of Plot Loan ranges from 1 to 3 years. Loan Tenure of Plot + Construction loan ranges from 1 to 15 years. The term of loan however does not extend beyond 75 years age of customer, provided further that the purpose is to construct the house/ own office their on.

The size of EMI depends on:

  • Quantum of loan
  • Interest rate applicable
  • Loan tenure

Special payment schemes:

  • One can enjoy the exclusive 'Regressive Payment Scheme' if one is a home loan seeker due for retirement within the term of the loan and have applied jointly with an eligible One Younger co-applicant.
  • One can prepay the loan, ahead of the contracted schedule in part or full, subject to payment of nominal fees / charges as stipulated by OCHFL from time to time.

For Plot Loans :

Our existing Fixed Prime Lending Rate (FPLR) – 15 %, Applicable ROI: FPLR + 3% i.e 18%

For Construction Loan:

Our existing Fixed Prime Lending Rate (FPLR) – 15 %, Applicable ROI: FPLR - 1% i.e 14%

Check your eligibility criteria and EMI using the links below.

EMI Calculator  |   Loan Eligibility  |   FAQ  |   Check List  |   Application Form
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