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About Loan Against Property

A loan against property (LAP) allows you to leverage the value of your residential or commercial property to secure funds for various personal or business needs. Since it's a secured loan, it comes with attractive interest rates and higher loan amounts.

Key Benefits and Uses:

High Loan Amounts:Get substantial funding based on the market value of your owned property..

Lower Interest Rates:Enjoy competitive rates due to the secured nature of the loan.

Flexible Usage:Use the funds for business expansion, education, weddings, medical emergencies, or debt consolidation.

Retain Ownership:Continue using your property while accessing funds, as ownership remains with you during the loan term.

Longer Repayment Tenure:Benefit from extended tenures, reducing your monthly EMI burden.


Why Choose Capital Care Finance Company?


Easy Documentation
Quick Approval
Higher Loan Amounts
Flexible Repayment
Flexible Tenor
Attractive Interest Rates
Transparent Process

Eligibility Criteria

To qualify for a loan with Capital Care Finance Company, you must meet the following criteria:

  • Nationality: You need to be a Citizen of India with documents to prove your claim.
  • Occupation and Income: Your lender will require you to furnish details regarding your occupation and income to prove your professional and financial stability to determine your creditworthiness.
  • Credit History: Your three-digit Credit Score, indicative of your track record in respect of repayment of loans, and other forms of credit will be a deciding factor to prove your eligibility for a LAP.
  • Banking Relationship: Should you have a healthy relationship with your lender, you will not be disapproved for a LAP. Additionally, your lender will offer you better terms and conditions in respect of loan value, interest rates, period of the loan, hidden charges, and processing fees.
  • Market Value of Property: Your lender retains the right to decide the loan amount and terms and conditions of your mortgage loan based on the market value of your collateral property. Besides, the market value of the mortgaged property must be higher than the loan amount calculated on the current value of your property.
  • Title of Property: Your lender will require you to be the current existent owner of the property, and in case of a co-application, you will require to prove multiple ownership clear title. Besides, the property must not be mortgaged with any other financial institution.

Required Documentation

  • Proof of identity/residence
  • Proof of income
  • Property-related documents
  • Proof of Business (for self-employed)
  • Account statement for the last 6 months

Rates & Fees

Particulars Charges
Loan Processing Fees 0.25% to 2% of Loan Amount
Loan Cancellation Nill - 5% (according to Bank/NBFC)
Stamp Duty Charges As per the Value of the Property and State Tax
Legal Fees As per actual
Penal Charges Usually 2% per month
EMI / Cheque Bounce Charges Approx 500/-
Foreclosure Nill to 4% (According to bank /NBFC)

Frequently Asked Questions

How long does the loan approval process take?

Typically, our loan approval process takes 3-7 working days from document submission.

Can I prepay my loan?

Yes, you can prepay your home loan with minimal or no prepayment charges.

What is the maximum loan tenure?

We offer home loans with a maximum tenure of 30 years.