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There are times when everyone needs a little extra funds. Whether it is for personal or business needs, with Loan Against Property, you get immediate access to money by using either your home or any other property as security. From expanding your business to buying machinery with Loan Against Property, you will never have to compromise.
Loan Against Property offer benefits such as:
Self-occupied residential property, commercial property (offices, shops etc.) and alternate property (Residential plots, schools, hospitals, Industrial property, hotels) can be considered as collaterals.
Yes, you can. However, all the co-owners of the property will also have to become co-applicants of the loan.
Whether you needed the funds to expand your business or have to meet your personal requirements, we work with you to make sure you have the funds you need. Here are some uses for Loan Against Property:
No. The processing fee is non-fundable as we incur expenses when we process your Home Loan application. Processing involves scrutiny of your application, verification of your documents, assessing your application, calculating your eligibility and so on.
You can take up to 180 months to repay your loan.
The maximum amount that you can get from our Loan Against Property is customisable to suit your needs. You can take loan starting from ₹ 10 lakhs.
Our interest rates begin from 10.10% and are highly competitive.
Yes, you can prepay your outstanding loan amount in parts or in full.
Whether you are salaried, self-employed or a business enterprise, we have set basic eligibility for Loan Against Property.
|Parameters||Salaried||Self Employed Professionals||Self Employed Non Professionals (Indviduals)||Non Individuals|
|Segment||Working in MNC / Public Ltd. Co/ Large Pvt. Ltd. Co./State Govt/ Central Govt. / PSU||Doctors, Architects, Chartered Accountants||Traders, Retailers and wholesalers||Firm, Pvt Ltd , Public|
|Age||Minimum- 25 Years Maximum- 60 Years at loan maturity||Minimum- 25 Years Maximum- 60 Years at loan maturity||Minimum- 25 Years Maximum- 60 Years at loan maturity||N/A|
|Income Per Month||₹ 2,40,000||₹ 2,50,000||₹ 2,50,000||₹ 3,00,000|
|Occupational Stability||Minimum 3 Years||Minimum 3 Years||Minimum 3 Years||Minimum 3 Years (with two years cash profit)|
To check how much Loan you can repay, try our "Loan Against Property EMI Calculator"
You only need to provide some basic documents to process your Loan Against Property.
|Income Details (2 years)||Form 16 and latest 2 months salary slips||IT returns, Profit&Loss and Balance Sheet||IT returns, Profit&Loss and Balance Sheet|
|Bank Statements||Latest 6 months||Latest 6 months||Latest 6 months|