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Loan Against Property

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Instant Solutions for All Your Needs

Unlock the value of your property for large financial requirements.

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Service Details

Easy Documentation

Quick Approval

Higher Loan Amounts

Flexible Repayment

Flexible Tenor

Attractive Interest Rates

Transparent Process

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

How To Apply For Loan Against Property

We make the process simple, fast, and transparent so that you can access funds without any hassle. Our team ensures prompt verification and smooth disbursal so that your financial needs are met on time.

01

Submit Your Documents

Provide us with your loan application and documents such as proof of identity, address, income certificates, and bank statements. This is convenient for us to understand your financial record.

02

Verification and Eligibility Check

Our staff carefully examines your documents and confirms your creditworthiness, stability of income, and ability to repay to determine if you are eligible speedily and prudently.

03

Approval and Disbursal

Once everything is approved and verified, we transfer the loan amount directly into your bank account, typically within hours or days, so you can make use of the funds immediately.

FAQs

Frequently asked questions

Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.

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In the new era of technology we look in the future with certainly and pride, that's why so.

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

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

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

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