Our property loan starts at 6.5% interest, one of the most competitive rates in Kerala. The exact rate depends on property value, loan amount, and tenure selected.
Phone No:
+91 81298 98898
Trusted by 5,000+ Happy Homeowners in Kerala
Make your dream home a reality with Octal Finance's competitive property loans. Get up to ?1 crore for home purchase with the lowest interest rates in Kerala.
Our skilled team manages administrative tasks, technical support, and daily operations to ensure your business runs smoothly.
Property Loans Disbursed
Crores Disbursed
Branches in Kerala
Happy Homeowners
Max Tenure (Years)
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Octal Finance offers competitive property loans to help you buy your dream home or commercial property with low interest rates and flexible tenure options.
Share property details, income proof, and KYC documents. Our team will guide you through the process.
1
Our approved valuers will assess the property and provide fair market valuation for loan eligibility.
2
Get loan approval based on property value and your eligibility. Choose tenure from 5 to 20 years.
3
Complete legal formalities and receive funds directly to your account for property purchase or construction.
4Get competitive interest rates starting at 6.5% - one of the lowest property loan rates in Kerala
Save on taxes with deductions under Section 80C (principal) and Section 24(b) (interest) of Income Tax Act
Choose repayment tenure up to 20 years for comfortable EMIs that fit your budget
Get up to ?1 crore for residential, commercial property purchase or construction projects
Pre-payment and part-payment facilities available with step-up or step-down EMI options
Simple documentation and quick loan processing with professional property valuation services
"Needed home loan for my first house. Octal Finance gave me ?60 lakhs at just 6.5% interest with 20-year tenure. Best property loan in Kerala!"
"Got property loan for ?45 lakhs. Octal staff explained all tax benefits under Section 80C and 24(b). Saved a lot on taxes. Excellent service!"
"I compared many banks and NBFCs. Octal Finance offered the lowest rate at 6.5% and longest tenure of 20 years. Great team and smooth process!"
"Got ?70 lakhs property loan for my villa construction. With 20-year tenure, my monthly EMI is very affordable. Thank you Octal Finance!"
"Purchased a commercial building using Octal's property loan. Got ?85 lakhs at competitive 6.5% interest. Professional valuation and quick processing!"
"Very professional team at Octal Finance. They helped me understand all property loan benefits and tax deductions. Got ?50 lakhs for new home!"
"Needed home loan for my first house. Octal Finance gave me ?60 lakhs at just 6.5% interest with 20-year tenure. Best property loan in Kerala!"
"Got property loan for ?45 lakhs. Octal staff explained all tax benefits under Section 80C and 24(b). Saved a lot on taxes. Excellent service!"
"I compared many banks and NBFCs. Octal Finance offered the lowest rate at 6.5% and longest tenure of 20 years. Great team and smooth process!"
"Got ?70 lakhs property loan for my villa construction. With 20-year tenure, my monthly EMI is very affordable. Thank you Octal Finance!"
"Purchased a commercial building using Octal's property loan. Got ?85 lakhs at competitive 6.5% interest. Professional valuation and quick processing!"
"Very professional team at Octal Finance. They helped me understand all property loan benefits and tax deductions. Got ?50 lakhs for new home!"
"Needed ?65 lakhs for my first home in Kochi. Octal Finance made my dream come true with 6.5% interest and 20-year tenure. Tax benefits are a big bonus!"
"I compared property loan rates from 5 banks and NBFCs. Octal Finance offered 6.5% which was the lowest, plus professional valuation. Got ?75 lakhs for new villa!"
Our property loan starts at 6.5% interest, one of the most competitive rates in Kerala. The exact rate depends on property value, loan amount, and tenure selected.
Property loans are typically approved within 5-7 working days after property valuation and document verification. Simple documentation ensures quick processing.
You can get up to ?1 crore or 80% of the property value, whichever is lower. Professional valuers assess the property to determine loan eligibility.
You need KYC documents (Aadhaar, PAN), property documents, income proof (salary slips/IT returns), bank statements, and property valuation report.
You can claim deductions up to ?1.5 lakhs on principal repayment under Section 80C and up to ?2 lakhs on interest under Section 24(b) of Income Tax Act.
Yes. You can make prepayments or foreclose your property loan. Some charges may apply as per RBI guidelines. Flexible tenure from 5 to 20 years available.
Satisfied Customers
Branches Across Kerala
Property Loan Guide
Learn how to save up to ?3.5 lakhs annually on taxes with property loan deductions. Complete guide to Section 80C (principal) and 24(b) (interest) benefits.
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EMI Planning
Understand how different tenures (5, 10, 15, 20 years) affect your monthly EMI. Calculate affordable payments and plan prepayments to reduce total interest cost.
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Documentation Guide
Complete checklist of KYC documents, property papers, income proofs, and valuation reports needed for smooth property loan processing and quick approval.
Continue Reading16/606-5, 1st Floor, JAMS Arcade, Thrissur Road, Kanippayyur P.O, Kunnamkulam, Kerala 680517
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