Secure Your Land, Build Your Future
Are you ready to claim the perfect piece of land for your dream home or next big investment? Finding the right location is the first and most important step, and we are here to ensure that financing it is just as seamless.
Our Land Loans are specifically designed to provide you with the financial flexibility to purchase a vacant plot, whether you are planning to build immediately or are securing your asset for the future.
We provide comprehensive guidance and access to competitive financing solutions from India’s leading banks and financial institutions, ensuring you get the best possible terms that align with your financial goals.
Buy Your Residential Plot Today. Build Your Dream Home Tomorrow.
For working professionals, a residential plot is more than land — it is the foundation for your future home, your family’s security, and a long-term investment planned with confidence.
Chat with us about your plans to buy land and build
Land Purpose
It is important to note that to get a vacant land loan as a home loan, the land and eventual property will need to be used for personal or investment purposes and not as a farm. In some cases you may be able to use your land as a hobby farm, that generates little income from the farm production.
Factors to consider when getting your Plot/Site loan
Where the land you are looking to purchase is located is an important factor that will go into securing your funds as the access and zoning regulations will become a part of the assessment process.
For example a block of land in a capital city or regional centre that is serviced by sealed roads may be viewed favourably over land in remote locations with no proper road access for standard vehicles. The zoning regulations of your block of land are important as you need to ensure that the land is zoned for residential use.
Location
When buying a block of land, it is important to understand if the land you are interested in is registered or not, as lender’s will not approve funds on unregistered land. Registered land means it is ready for you to build your home once you own the land as all services are connected and road infrastructure is complete.
Registered or unregistered?
When looking to take out a home loan for land purchases, the size of the land is important as it will determine the deposit needed to get the funds.
These limits can vary depending on the lender, you could borrow up to 95% of the property’s value if the land is up to 11 hectares. Whereas if you are looking to purchase a block of land larger than this you will usually need at least a 20% deposit.
Land size
While you don't need immediate plans to build on your land to receive a land loan, having the intent to build can assist in securing the funds. This is due to lenders viewing no intention to build at all a higher risk than a borrower who would be planning to build within a few years of owning the land.
Intention to build
Begin your home loan application journey by providing details about:
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You
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Your financial situation
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The loan you're applying for
One of our home loan specialists will then be in touch to progress with your application.
Quick start application
Difference between vacant land loans and construction loans
A construction loan, or builder loan, is a type of home loan where the funds are drawn down as your property is being built in progress payments. The main difference between a construction loan and a vacant land loan is the timeframe to build the property. During the time of taking out a construction loan, the lender will usually set a maximum time limit for you to completely draw down on your loan for when construction is completed. Whereas you are not obligated to build on your vacant land once taking out a vacant land loan.
Another difference between these two home loan types is a construction loan will involve determining the full amount of funds you will receive to purchase the land and build your home, whereas a land loan will only involve the funds needed to purchase the land.
Plot/Site Loan Rate of Interest
Plot/Site
7.25% to
9.80%
Variable Rate
Standard Lending criteria, T & C and Fees Apply.
p.a.
Special Rate
Nationalised
Banks
Plot/Site
7.70% to
13.20%
Variable Rate
Standard Lending criteria, T & C and Fees Apply.
p.a.
Special Rate
NBFC
Call us for your assistance
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
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Applying for a home loan
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Managing your existing loan
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Refinancing your home loan
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Interest rate enquiry
As well as any other home loan queries you may have.
Need help choosing an
Cherut Kapitals Property loan?
Cherut Kapitals gives you a smart tool to compare your home loan options across leading Indian banks and NBFCs.
Use our Home Loan Comparison Tool to see your choices side by side, so you can quickly understand the differences and make confident, well‑informed decisions.
Let us come back to you
Provide your details and one of our Home Loan Specialists will contact you via phone or email.
Response time is 1-2 days.
Make an appointment
Chat with one of our home loan specialists by phone, video call or in person at your nearest branch.
Start your application online
Kick things off online and an Cherut Kapitals Home Loan Specialist will contact you to help with the remainder of the application process.
Call us now
With extended hours, you can get in touch with someone quickly.
Monday-Saturday 9am-6pm (IST)
Call us now
Cherut Kapitals Mobile Lenders go the extra mile, using their experience and expertise to help you navigate a full range of home loan options from leading Indian banks and housing finance companies. Enjoy the flexibility of meeting at a time and place that suits you best. Our Mobile Lenders are dedicated home loan specialists who provide personalised guidance, wherever and whenever it works for you.
Talk to your Assistant
You can also chat to an Cherut Kapitals accredited broker for help with your home buying, investing or refinancing needs.