Loan Against Property Salary

Do you require a loan for personal or business reasons? Pledge your residential or commercial property as collateral and receive up to 90% of the property value as a loan amount, as well as additional special incentives. Just keep an eye out for eligibility.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Used Vehicle Loans

Refinance Existing Loans

Loan against property Eligibility Criteria

The eligibility criteria are determined by a variety of elements such as the individual's age, payback history, business sales/turnover, total work experience, and creditworthiness, among others.

Salaried Individuals

  • Age must be between 28 and 60 years
  • Minimum of 3 years of work experience
  • Should be employed in a public, private, or multinational corporation
  • CIBIL score must be above 750
  • Must be an Indian resident

Self-Employed Individuals

  • Age must be between 25 and 70 years
  • CIBIL score must be above 750
  • Minimum 3–5 years in business
  • Must be an Indian resident

Documents Required

Individual

  • Two Photographs
  • Pan Card Copy
  • Aadhar Card + Passport
  • Address Proof (Permanent and Rented, if applicable)
  • Last 3 Years Form-16, ITR with Computation of Income (if filed)
  • Last 1 Year Bank Statement – Salary Account
  • Loan Schedule & Sanction Letter (if running)
  • Complete Property Papers with Chain & Map + ATS
  • Processing Fee Cheque in favour of the Bank
  • Last 3 Months Salary Slip + Appointment Letter

Proprietorship Firm

  • Photographs of both Proprietors
  • Clear Pan Card Copy of Proprietor
  • Address Proof (Passport, Voter ID Card) – Proprietor
  • Office Address Proof (Latest Electricity or Telephone Bill)
  • Firm Registration Certificates & GST Registration Copy
  • Last 1 Year GST Return Copy
  • Firm's Last 3 Years ITR, Computation, P&L A/C, Balance Sheet, Tax Audit Report, All Schedules & Annexures
  • Provisional Financials for AY 2023–24
  • Last 1 Year Updated Bank Accounts (Current, CC, OD)
  • Last 6 Months Updated Saving Account Statement (Proprietor)
  • Loan Sanction Letter and Repayment Schedule (if running)
  • Agreement to Sell Copy
  • Complete Property Papers with Chain and Sanction Map

Partnership Firm / LLP

  • Partnership Deed Copy
  • GST Certificate
  • Last 1 Year GST Return
  • Last 3 Years Company ITR, COI, P&L A/C, Balance Sheet, Audit Report (3CB, 3CD), CA-Certified Annexures & Schedules
  • Provisional Financials for AY 2023–24
  • All Partners’ Last 3 Years ITR & Computation
  • Firm's Bank Account Statement – Last 1 Year Updated
  • All Partners' Saving A/C Statement – Last 6 Months
  • Latest Loan Sanction Letter & Repayment Schedule (if any)
  • Agreement to Sell Copy
  • Complete Property Papers with Chain and Map

Private Limited Company (PVT LTD)

  • All Directors’ Photographs
  • Clear Pan Card – Company and All Directors
  • Address Proof – Company and Directors
  • List of Directors & Shareholders with CA Certification as on Date
  • Memorandum of Association (MOA) – Complete Copy if Applicable
  • GST, Sale, VAT, and SSI Registration Certificate
  • Last 1 Year GST Returns
  • All Directors’ Last 3 Years ITR & Computation
  • Last 3 Years Company Financials with Tax Audit Report and Annexures
  • Provisional Financials for Last FY or Month-Wise Sales Figures – Last 1 Year
  • Company’s Bank Account Statement – Last 1 Year Updated

FAQs

Got questions? Our FAQs have answers and a sprinkle of humor. Dive in and discover more!

1. What is the maximum loan term for a property loan?

The maximum repayment term to repay the principal is 15 years.

2. Can I pay off the loan ahead of time?

Yes, you can do it without incurring any penalties because most banks will not charge you, however a few institutions will charge you 2% - 3% of the principle amount as a pre-payment penalty.

3. What are the fees for such a Property Loan?

Lenders will impose a processing fee of up to 1% of the loan amount borrowed for a Property Loan.

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