Offered by Vastu housing finance corporation ltd · Details last checked October 28, 2026
Vastu Housing Finance offers Home Extension / Improvement Loans to help homeowners expand or improve an existing residential property. Eligible purposes include adding rooms, extending bathrooms, enclosing open balconies, tiling and flooring, painting, plumbing, electrical work, waterproofing, roofing, grills, aluminium windows and water-tank construction. Loan approval and disbursement are subject to the lender's eligibility criteria, property evaluation and sanction terms.
Verified from the source Source: Vastu Housing Finance – Home Extension / Improvement Loan (opens in a new tab) checked October 28, 2026
Key details
- Loan amount
- ₹1 lakh – ₹20 crore Verified from the source Source: Vastu Housing Finance – Official Website (opens in a new tab) checked October 28, 2026
- Tenure
- 2 years – 20 years Verified from the source Source: Vastu Housing Finance – FAQ (opens in a new tab) checked October 28, 2026
- Interest rate
- 13.00% – 19.50% a year (Floating) https://www.vastuhfc.com/faq Verified from the source Source: Vastu Housing Finance – FAQ (opens in a new tab) checked October 28, 2026 The rate offered to you depends on the lender's assessment.
Fees and charges
| Processing fees | Refer to the lender's current fee schedule and sanction terms. |
|---|---|
| Legal and technical appraisal charges | As applicable under the lender's published terms. |
| Other applicable charges | As stated in the lender's current MITC and loan agreement. |
Verified from the source Source: Vastu Housing Finance – Most Important Terms and Conditions (opens in a new tab) checked October 28, 2026
Taxes may be added. Ask the lender for every charge in writing (the key fact statement) before you sign.
Eligibility
- Applicant must satisfy the lender's eligibility criteria.
- The property must be acceptable to the lender for extension or improvement financing.
- Loan approval is subject to income and repayment-capacity assessment.
- Legal and technical evaluation of the property may be required.
- Additional conditions may apply as specified in the sanction letter.
Verified from the source Source: Vastu Housing Finance – FAQ (opens in a new tab) checked October 28, 2026
Documents the lender asks for
- Completed loan application form
- Identity and address proof
- Income proof and bank statements, as applicable
- Property ownership and title documents
- Approved extension plans or relevant permissions, where applicable
- Estimates or documents relating to proposed repairs and improvements, if requested
- Any additional documents required by the lender for legal and technical appraisal
Verified from the source Source: Vastu Housing Finance – Most Important Terms and Conditions (opens in a new tab) checked October 28, 2026
How to apply
- Visit the official Vastu Housing Finance website.
- Submit a home extension or improvement loan enquiry.
- Provide the requested applicant and property documents.
- Explain the proposed extension, repair or improvement work.
- Complete the lender's legal and technical property appraisal.
- Review the sanctioned amount, interest rate, fees and repayment terms before accepting the offer.
- Disbursement is subject to the sanction terms and may depend on the stage of construction.
Verified from the source Source: Vastu Housing Finance (opens in a new tab) checked October 28, 2026
Apply with the lender
Finobazaar is not an agent or partner of Vastu housing finance corporation ltd. Applications are made directly with the lender.
Go to the official page on vastuhfc.com (opens in a new tab)
Check that the address in your browser is the lender's own before you enter any details.
Questions
What is a Home Extension Loan?
It is a loan intended to finance additional living space in an existing residential property, subject to lender approval.
What is a Home Improvement Loan?
It helps finance eligible repairs and improvements such as flooring, painting, plumbing, electrical work, waterproofing and roofing.
Can I add a room to my existing house?
The lender describes additional rooms and extensions as eligible purposes, subject to its assessment and approval.
Can the loan be used for waterproofing and roof repairs?
The lender's product description includes waterproofing and roofing among the listed improvement purposes.
How is the loan disbursed?
Disbursement is subject to the sanction terms and may depend on the stage of construction.
What interest rate applies?
The published product information shows a 13%–19.5% range for self-employed applicants. The applicable rate must be confirmed by the lender.
Verified from the source Source: Vastu Housing Finance (opens in a new tab) checked October 28, 2026
Calculators
- Home loan EMI calculator
- EMI calculator
- Loan eligibility calculator
- Loan prepayment calculator
- Balance transfer savings calculator
- Part-payment and tenure reduction calculator
- Loan comparison calculator
Calculators give estimates from the figures you enter; they do not use any lender's rate and are not an offer or a promise of eligibility.
Have a question about this loan?
Send an inquiry and a member of the Finobazaar team will call you back. It is not a loan application: nothing is sent to a lender unless you agree.