Our Loan Products
Tailored Home Loan, LAP & Plot Loan Financing Solutions Built for Your Needs
Home Loan (HL)
Purchasing your dream residential property is seamless with Nivi Loans. Designed for both salaried workers and self-employed individuals, our home loan solutions feature quick sanctioning with minimal documentation requirements.
Key Features
• High loan-to-value (LTV) ratios available.
• Balance transfer options with top-up loan facilities.
• Flexible eligibility checks supporting various income streams.
• Zero hidden charges with transparent terms.
Home Purchase Loan
Finance the purchase of your ready-to-move or under-construction dream home with competitive rates.
Home Construction Loan
Build your house on your own plot, with funds released in easy stages as construction progresses.
Home Improvement Loan
Renovate, repair, or extend your existing home without dipping into your savings.
Balance Transfer + Top-Up
Move your existing home loan to us for a lower rate, plus extra top-up funds if you need them.
Why Opt for LAP?
• Unlock high value from existing residential or commercial property.
• Use funds freely for business expansion or debt consolidation.
• Lower interest rates compared to unsecured personal/business loans.
• Continued full usage of your property during tenure.
Loan Against Property (LAP)
Unlock the hidden value stored in your commercial or residential property to raise funds for business growth or personal needs. Enjoy extended repayment terms with low-interest borrowing structures.
Loan Against Residential Property
Unlock funds against your house or flat for any personal, medical, or business need.
Loan Against Commercial Property
Leverage your shop, office, or commercial space for higher-value business financing.
Plot Loan
Planning to buy a residential or investment plot before you build? Our Plot Loan helps you purchase land quickly, so you can start planning your dream home or future investment without waiting to save the full amount upfront.
Why Opt for a Plot Loan?
• Buy your land now and build whenever you're ready.
• Available for residential and approved investment plots.
• Convert to a Home Construction Loan later with ease.
• Simple documentation with clear title verification support.
Residential Plot Loan
Purchase a residential plot in an approved layout to build your future home.
NA Plot Loan
Buy Non-Agricultural (NA) converted plots approved for residential or commercial use.
Plot + Construction Combo
Combine plot purchase and home construction into a single, streamlined loan.
Documents Required
Keep these handy to speed up your application.
🪪 Identity & KYC
- PAN Card
- Aadhaar Card
- Passport-size photographs
💼 Income Proof
- Salaried: Last 6 months' salary slips + bank account statement
- Business/Self-employed: Bank account statement & Kaccha-Pakka records
🏠 Property Papers
- Sale deed / property title documents
- Approved building plan
- Property tax receipts