Features at Glance
Loan from INR 10 Lacs onwards depending on your needs, Borrow up to 100% of market value of the property, Flexibility to choose between an EMI based loan or an overdraft. High tenure loans for ease of repayment. Cheapest interest rates. Simple and speedy processing. Loan for salaried, self-employed individuals & Businessman. Loan for Personal & Business use also.
Advantages of taking a Loan Against Property
Cheaper than Personal Loans : It works out to be much cheaper than a personal loan, which is usually issued at interest rates in the region of 11.5% – 21%.
Longer Loan Tenure : The tenure for a Loan Against Property is usually longer than that for a personal loan. Generally, LAP is given for a maximum tenure of 15 years.
Lower EMI : Since the rate of interest is lower, many times, LAP Equated Monthly Installments (EMI) turn out to be cheaper than those under personal loans.
Simple documentation and Fast Approvals : LAP being a secured Loan has comparatively faster approvals and minimal documentation.
Loan Against Property can be taken for following purposes
- Expanding your business
- Get your child married
- Send your child for higher studies
- Fund your dream vacation
- Fund Medical Treatments
In nutshell, Loan Against Property is a secured multi-purpose loan with larger tenure and lesser rate of interest.
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Required Documents For Loan Against Property
Common Documents :-
- 2 Photographs each applicant & co- applicant
- Pan Card Copy each applicant & co- applicant
- Adhar card copy of the applicant & co-applicant
- Passport copy each applicant & co- applicant
- Utility Bill (address proof) of office and residence (latest month) each applicant & co- applicant
Income Documents :-
- 3 years ITR, computation of income of the company, P&L, Balance sheet, +all Annexure & schedule, Dr. & Cr. List. (self & CA attested)
- 3 years ITR, computation of income, P&L, Balance sheet of individual
- Last 12 months bank statement of individual
- Last 12 months bank statement of the company, and all the EMI reflection if any loans going on as per the Balance Sheet
- Sanction letter of all Loans & OD/CC (if any)
- Sales & Purchase Summery – last 3 years (till date)
- Dr. & Cr. List – last 3 years (till date)
Additional Documents :-
- MOA & AOA copy / Partnership Deed / For proprietorship firm – registration certificate or Business Proof (List of Directors/ Partners & Shareholder
- Pan card copy of Company
- Business Proof (Shop & Establishment Certificate, VAT, Sales Tax, GST, Service Tax, IEC )
- GST certificate copy
- Sales deed
- OC & CC
- Share Certificate
- Approved Building Plan