Construction Loan
Project finance for developers and builders of residential and commercial real estate.
Total loan ₹10 crore to ₹500 crore
For developers and builders. Building your own home? See Home Loan.
Documents to keep ready
Nayaasa is a loan advisor, not a lender. This is what lenders typically ask for, and yours may differ. Approval is the lender's decision.
Applying jointly? Each person gives their own documents. Choose each type in turn.
What to expect
Rules and schemes that apply
Land first
At least 75% of the land must be available before the first disbursal.
Funding tied up
At least 90% of the project cost must be legally tied up, with approvals in place, before disbursal.
Paid in stages
Money is released with completion stages, equity brought in and clearances, certified by the lender's independent engineer or architect.
Completion date
It means the expected Occupancy Certificate date, and can be deferred up to 2 years.
Length of the loan
Including moratorium, at most 85% of the project's economic life.
Buyers' money
Under RERA, 70% of buyers' money stays in a separate project account for land and construction.
Figures last checked November 2026.
Who it suits
- Developers and builders of residential or commercial projects
- Firms and companies with land and approvals in hand or close to it
- Projects registered, or ready to register, under RERA
How it works
Tell us about the project
The site, the size, the approvals so far and what you need funded.
We read the project
Land, approvals, costs, sales and your record as a developer.
Gather the documents
We give you the list and check each file before it goes to a lender.
The lender assesses
Credit, legal and technical checks, and a look at the project's numbers.
Sanction and agreement
If the lender agrees, it sets the terms and the security.
Stage-wise disbursal
Money is released as work is certified, not all at once.
Common questions
Can I use this to build my own house?
No. This is for developers. Building your own home is under Home Loan, as self-construction.
Why does the lender want land and funding in place first?
RBI's rules ask for at least 75% of the land and 90% of the project cost to be tied up before the first disbursal.
How is the money released?
In stages, with completion and equity brought in, certified by the lender's engineer or architect.
Does Nayaasa approve the loan?
No. Nayaasa is a loan advisor, not a lender. The final decision and the terms are the lender's.
Other loans we arrange
Let's Build Your Brighter Tomorrow
Get in touch with our advisors for guidance on the loan that fits your plans.