Real Estate Financing Services for Builders & Developers

Loans for real estate developers are project based financing solutions designed to fund land acquisition, construction, redevelopment and completion of residential or commercial real estate projects. These loans are typically offered by banks, NBFCs based on project feasibility and cash flow projections.

Eligibility for real estate development loans generally includes

• Registered real estate developers or construction firms
• Minimum 2-3 years of project experience
• Clear land title and project approvals
• Acceptable credit score (650-700+)
• Viable project cash flow and sales plan

Interest rates for real estate developer loans in India typically range from

• 10.5% to 18% per annum

Rates vary based on,

• Project location
• Developer track record
• Loan amount and tenure
• Type of lender (bank vs NBFC)

The loan amount usually depends on project cost and approvals,

• Up to 60-70% of total project cost
• Loan amounts can range from ₹1 crore to ₹500+ crores, depending on lender policies and project scale.

Tenure for real estate developer financing generally ranges between,

• 12 months to 5 years

Most lenders align tenure with project completion timelines and sales milestones.

Yes, most real estate developer loans are secured loans, where collateral may include,

• Project land
• Under construction property
• Additional property as security (in some cases)

Some private lenders may offer structured financing with flexible collateral terms.

Repayment structures are usually flexible and may include,

• Interest only payments during construction
• Bullet repayment at project completion
• Structured repayments linked to sales cash inflows

This flexibility helps developers manage project cash flows efficiently.

Yes. RERA-approved projects often enjoy,

• Faster loan approvals
• Better interest rates
• Higher funding eligibility

Lenders prefer RERA compliant projects due to regulatory transparency and reduced risk.

Approval timelines typically range from,

• 15 to 45 days

depending on,

• Project documentation
• Legal and technical due diligence
• Lender type

NBFCs and private lenders may offer faster approvals than traditional banks.

Commonly required documents include,

• Land title and ownership documents
• Approved building plans and RERA registration
• Project report and cost estimates
• Bank statements and financials
• Sales projections and cash flow analysis

Yes. Loans for real estate developers are available for,

• Residential apartments and villas
• Commercial buildings and IT parks
• Mixed use developments
• Redevelopment and joint development projects