Plot Loan
Simplified.
Secure funding for your dream plot with Easiloan. Whether you’re buying from a developer or an individual, we help you get competitive rates for residential land purchase followed by construction finance.
Interest Rates From
7.90%
Fast Sanction
3–5 Days
Long Tenure
Max 15 Years
Why Choose Easiloan for Plot Loan?
Funding up to 75% of the plot value
Seamless transition from Plot Loan to Construction Loan
Technical & Legal verification of land titles
Low processing fees for approved layouts
How to Apply for Plot Loan
In 4 Digital Steps
Digital Eligibility Check
Check your loan eligibility across 20+ banks instantly using our AI-driven calculator.
Expert Offer Comparison
Compare customized interest rates and processing fees to find the perfect lender.
Digital Paperwork
Upload document scans via our secure portal for parallel processing with multiple banks.
Instant Sanction
Get your in-principle sanction letter faster through our prioritized bank partner channels.
Plot Loan FAQs
Can I get a tax benefit on a plot loan?
Tax benefits on plot loans are typically available only after construction on the plot is completed. You can then claim deductions under Section 80C and Section 24(b), subject to Income Tax rules.
How much of the plot value can I finance?
Many lenders fund up to about 75% of the plot value for approved residential layouts, subject to title clarity, location norms, and your repayment capacity.
Can a plot loan convert into a construction loan?
Yes. Several lenders allow a seamless move from plot purchase finance to construction finance once plans and estimates are approved.
What is the typical tenure for a plot loan?
Plot loans on Easiloan typically go up to 15 years, depending on lender policy and borrower age at maturity.
Comparison Matrix: Top Home Loans in India
| Lender | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| SBI Home Loan | 7.25% onwards | ₹5,000 + GST | 30 Years |
| HDFC Home Loan | 7.75% onwards | ₹5,000 + GST | 30 Years |
| ICICI Home Loan | 7.50% onwards | ₹5,000 + GST | 30 Years |
| LIC Housing Finance | 7.60% onwards | ₹10,000 + GST (indicative; confirm on sanction) | 30 Years |
| IIFL Home Loan | 8.50% onwards | 0.25% + GST | 30 Years |
| Bajaj Finserv Home Loan | 8.60% onwards | Up to 0.50% + GST | 30 Years |
| PNB Housing Home Loan | 8.50% onwards | Up to 1.00% + GST | 30 Years |
| Central Bank Home Loan | 8.55% onwards | 0.50% + GST | 30 Years |
*Interest rates are subject to change based on borrower profile and bank policy. Last updated: August 2026.
Easiloan is a loan advisory platform, not a direct lender. Rates shown are indicative, sourced from partner banks, and subject to change based on your eligibility and the lender's final assessment.
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