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Buying a plot is a big dream — but paying the full amount at once can feel impossible. Thankfully, with easy EMI (Equated Monthly Installments) and plot loan options available today, that dream is now within reach.
Whether you're looking to invest in Navi Mumbai, Khopta, Ulwe, or Ranjanpada, this guide will show you how home loans and EMIs make it easier to buy land — without financial stress.
1. What is a Plot Loan?
A plot loan helps you purchase land for residential or investment purposes. You repay the loan through EMIs over several years.
Key Features:
- Tenure: 5 to 20 years
- Loan amount: Up to 70–80% of plot value
- Requires minimal down payment
- Interest rate: 8–11% (approx.)
2. What is EMI & How It Helps
EMI means you don’t have to pay the entire land price at once. Instead, you can spread the cost across months or years.
✅ Benefits:
- Low financial pressure
- Easy monthly budgeting
- Start owning land while still managing other expenses
Example: If your plot costs ₹6 Lakhs, pay ₹1.2L (20%) upfront and the rest as ₹8,000/month for 7–10 years.
3. Who Can Apply?
Most people can apply:
- Salaried individuals
- Business owners
- NRIs
Required Documents:
- Aadhar & PAN
- Salary slips or ITR
- Bank statements
- Plot documents
4. Why Loan + EMI Makes Plot Buying Easy
- Makes land affordable for middle-income buyers
- Lets you invest early without waiting to save the full amount
- Easy upgrade to construction loans later
- Builds long-term assets with low monthly stress
5. Steps to Get a Plot Loan
- Finalize your plot
- Apply with a bank or finance company
- Submit your documents
- Property gets verified
- Loan approved and amount released
Many developers also help with this entire process.
6. Rama Group Makes It Even Easier
Rama Group offers:
- Legal plots with 7/12 extract
- NA Order-ready land
- On-spot registration
- Loan & EMI assistance
We make sure your dream of owning land becomes simple and stress-free.
Don’t delay buying your own plot because of cost worries. With EMI and loan options, you can own land in growing areas like Third Mumbai with ease — and start building your future today.
Ready to Buy a Plot with EMI Support? Contact Rama Group now: 📲 +91 8605418080
