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Loan Against Property - Overview

Loans have become a part and parcel of one’s life. It is looked as a strong assistance to meet the long-term and short-term financial requirements in the course of one’s journey. With the change in lifestyle and increase in consumer demands, planning your finance well in advance is inevitable. While investments yield return, some milestones such as children’s education or marriage or a well-planned international holiday require additional financial assistance.

 

Loan against property is a popular financial product wherein one can use their property to secure a loan. This loan can be used for personal purposes or for meeting major expenditure. Banks and financial lenders offer this loan against property on a residential building or commercial establishment or land. The property will need to be mortgaged with the bank. The loan amount is based on the market value of the property.

Since it is a secured loan, most banks are inclined to offer this loan without much hassle and take less time for processing. This means easy money for the borrower to meet certain goals. With many players in the market offering the same product, it is possible to customize this loan according to one’s needs. This loan is made available to salaried professionals, self-employed, NRIs who own a property or in the name of their family member.


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Loan Against Property - Features & Benefits

Loan against property is a simple loan product wherein it is secure with the property that has been mortgaged. Some of the main features of this type of loan are:

  • The loan amount varies from bank to bank. Normally up to 60% of the market value of the property is given as loan. The amount ranges from Rs. 10 lakhs upto Rs. 7.5 crores.
  • With longer tenures for repayment, the interest offered is competitive.
  • Easy repayments are made through EMIs.
  • Most banks need minimal documentation for this type of loan. Processing takes only 3-4 days.
  • Minimum age requirement is 21 years and can go up to 65 years.
  • This loan can be availed by salaried professionals, self-employed individual, IT assesses etc.

Loan against Property is a secured loan and therefore, chances of rejection from the bank is less. It is a popular type of loan and has been seeing increased demand. Some of the major benefits are:

 

  • Flexible tenure of upto 20 years is available with some lenders.
  • One can avail this loan on different types of properties like residential, commercial or land.
  • Interest rates start as low as 11%.
  • Minimum loan amounts start at Rs. 5 lacs and maximum can go upto Rs. 5 to 7.5 crores.
  • One can also transfer an existing loan to this type of loan and get refinance.
  • Since the loan is already secured by way of the property, there is no additional collateral required.
  • Some banks do no charge prepayment penalties on this type of loan.
  • Competitive interest rates are available on Loan against Property.
  • Hassle-free and quick to process loan.

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Loan Against Property - Eligiblity

There is an eligibility criterion in place by most banks to avail loan against property:

  • Own residential or commercial properties in own name or family member.
  • Should be an individual who is an employee, professional, self-employed or income tax assessed or NRI.
  • Minimum annual net income of Rs. 3 lacs
  • Maximum age limit of 70 years.

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Loan Against Property - Required Documents

For Salaried Individuals: 

A copy of any of the following as proof of residence:
 

  • Ration Card
  • Telephone Bill
  • Electricity Bill
  • Voter's ID Card

A copy of any of the following as proof of identity:
 

  • Voter's ID Card
  • Employer's Card

Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months

Salary slip for the previous 6 months showing all deductions

Form 16 for the previous 2 years

Copies of all the property documents of the concerned property to be pledged for the loan

 

For Self Employed Professionals/Individuals:
 

Certified Financial Statement for the previous 3 years

A copy of any of the following as proof of residence:
 

  • Ration Card
  • Telephone Bill
  • Electricity Bill
  • Voter's ID Card

A copy of any of the following as proof of identity:
 

  • Voter's ID Card
  • Employer's Card

Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months

Copies of all the property documents of the concerned property to be pledged for the loan


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Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

A loan against property is a type of secured loan that allows you to borrow money by using your property as collateral. The property can be a residential or commercial property.

The eligibility criteria for a loan against property can vary depending on the lender, but some common requirements include having a stable income, a good credit history, and being the owner of the property being used as collateral. Other factors that may be considered include the value of the property, the amount of the loan, and the applicant's debt-to-income ratio.

The amount you can borrow for a loan against property can vary depending on the lender, but it typically ranges from 50% to 70% of the property's value. The specific amount you can borrow will depend on factors such as your income, credit history, and debt-to-income ratio.

The interest rate for a loan against property can vary depending on the lender, but it typically ranges from 9% to 14%. The specific interest rate will depend on factors such as the loan amount, the term of the loan, and the applicant's credit score and financial profile.

The repayment term for a loan against property can vary, but it typically ranges from 5 to 20 years. The specific repayment term will depend on the loan amount, interest rate, and the applicant's financial profile.

The processing time for a loan against property can vary depending on the lender, but it can take anywhere from a few days to several weeks. 

It's important to check with your lender for their specific processing time.

The documents required for a loan against property can vary depending on the lender, but some common documents include:
 Proof of income, such as pay stubs or bank statements
 Proof of identity, such as a passport or driver's license
 Proof of address, such as a utility bill or bank statement
 Proof of ownership of the property, such as a title deed
It's important to check with your lender for their specific document requirements before
applying for a loan against property.

The interest rate for a loan against property is determined based on various factors, including the applicant's credit score, income, debt-to-income ratio, and other financial profile.

Yes, you can prepay your loan against property, which means paying off the loan in full or making additional payments towards the loan before the end of the repayment term. Some lenders may charge a prepayment penalty for this, so it's important to check with your lender for their policy.

If you miss a loan against property repayment, your lender may charge a late fee or penalty, and your credit score may be negatively affected. In some cases, the lender may also start foreclosure proceedings, which means that they can take possession of the property if the loan is not paid.

How To Apply

  • 1. Visit our website at www.loanmani.com
  • 2. Select your Loan Against Property
  • 3. Submit your application
  • 4. Provide the necessary documents and information as requested.
  • 5. Wait for our quick approval process to confirm your loan.
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Bank Name(NBFC'S & Banks) Estimated APR Available Terms Loan Amount

9.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 100 L

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other features Our Features


  1. Flexible repayment tenure ranging from 1 year to 20 years.
  2. Loan amount ranging from Rs. 5 lakhs to Rs. 10 crores.
  3. Quick and hassle-free loan disbursal process.
  4. Minimal documentation and easy application process.
  5. Part-prepayment facility to make prepayments towards the loan amount.
  6. Top-up loan facility available for existing customers.
  7. Insurance options to protect against unforeseen circumstances.
  8. Online account management facility to track loan details and make payments.
  9. Customizable EMI options to suit the borrower's repayment capacity.
  10. Balance transfer facility available to transfer outstanding loan amount from other banks or financial institutions to ICICI Bank.

Required Documents ICICI Bank Documents


  1. Identity proof: PAN card, Aadhaar card, passport, voter ID card, or driving license.
  2. Address proof: Aadhaar card, passport, voter ID card, or utility bill.
  3. Income proof: Salary slips, bank statements, income tax returns, or audited financial statements.
  4. Property-related documents: Title deeds, property purchase agreement, building plan, or land records.
  5. Passport size photographs.

Fees & Charges ICICI Bank Fees & Charges


  1. Processing fee: Up to 1% of the loan amount.
  2. Prepayment charges: Up to 5% of the outstanding principal.
  3. Late payment charges: Up to 2% per month on the outstanding amount.
  4. Foreclosure charges: Up to 5% of the outstanding principal.

Think About ICICI Bank Think About


  1. Competitive interest rates and flexible repayment options.
  2. Quick and hassle-free loan processing.
  3. Minimal documentation and easy application process.
  4. Dedicated customer support to assist with any queries or concerns.
  5. Wide range of loan options to suit individual needs.
  6. Balance transfer facility available to transfer outstanding loan amount from other banks or financial institutions to ICICI Bank.

Eligible Criteria ICICI Bank Eligible Criteria


  1. Age: Applicant must be between 21 and 70 years of age.
  2. Income: Applicant must have a minimum monthly income of Rs. 25,000.
  3. Employment: Applicant must be a salaried employee or self-employed individual with a stable income source.
  4. Credit score: Applicant must have a good credit score.

9.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

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other features Our Features


  1. High loan amount: HDFC Bank offers a high loan amount of up to Rs. 20 crores.
  2. Flexible repayment tenure: The bank offers a flexible repayment tenure of up to 15 years.
  3. Quick processing: The loan application is processed quickly, and the funds are disbursed within a few days.
  4. Top-up loan: The bank also provides a top-up loan on the existing LAP, subject to eligibility criteria.

Required Documents HDFC Bank Documents


  1. Identity proof (PAN card, Aadhaar card, passport, voter ID, etc.)
  2. Address proof (Aadhaar card, passport, driving license, utility bills, etc.)
  3. Property documents (title deed, sale deed, encumbrance certificate, etc.)
  4. Income proof (salary slips, bank statements, ITR, etc.)
  5. Photographs

Fees & Charges HDFC Bank Fees & Charges


  1. Processing fees: Up to 1.50% of the loan amount plus applicable taxes.
  2. Prepayment charges: Nil for floating rate loans, and up to 4% of the outstanding principal for fixed-rate loans.
  3. Late payment charges: 2% per month on the outstanding amount.
  4. Foreclosure charges: Up to 4% of the outstanding principal for fixed-rate loans, and nil for floating rate loans.
  5. Miscellaneous charges: Stamp duty, legal charges, etc. as applicable.

Think About HDFC Bank Think About


  1. Competitive interest rates.
  2. High loan amount and flexible repayment tenure.
  3. Quick processing and disbursal of the loan amount.
  4. Top-up loan facility available.

Eligible Criteria HDFC Bank Eligible Criteria


  1. The applicant should be a resident Indian.
  2. The age of the applicant should be between 18 to 65 years.
  3. The property should be owned by the applicant.

9.00%-12.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 10 L

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other features Our Features


Bank features might include online application options, customer service quality, part-prepayment and foreclosure facilities, online account management, and more.

Required Documents Bajaj Finserv Documents


Documents required for applying for a Bajaj Finserv loan against property might include property documents, income proofs, identity proofs, address proofs, and more.

Fees & Charges Bajaj Finserv Fees & Charges


Understanding the fees and charges associated with Bajaj Finserv's loan against property is essential. These could include processing fees, administrative charges, prepayment penalties, and more.

Think About Bajaj Finserv Think About


Competitive Interest Rates: Bajaj Finserv might offer competitive interest rates on their loan against property, making it potentially cost-effective for borrowers.

Flexible Loan Amount: Depending on the value of your property and your repayment capacity, Bajaj Finserv could offer a substantial loan amount.

Flexible Repayment Options: They may provide flexible repayment options, allowing you to choose a suitable tenure for repayment.

Quick Approval: Bajaj Finserv might offer a streamlined approval process, enabling you to access the funds you need quickly.

Additional Features: Look for any additional features they offer, such as part-prepayment and foreclosure facilities, balance transfer options, and online account management.

Eligible Criteria Bajaj Finserv Eligible Criteria


Eligibility criteria for a loan against property generally include factors such as your property's value, your income, credit score, repayment capacity, and more. The specific criteria can vary based on the lender's policies.

9.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

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other features Our Features


  • Loan Amount: Depending on your property's value, you can avail a loan amount ranging from a certain percentage of the property value.
  • Loan Tenure: Repayment tenure is flexible, allowing you to choose a duration that suits your financial situation.
  • Repayment Options: Options such as EMI (Equated Monthly Installment) or flexible repayment plans may be available.
  • Property Types: Both residential and commercial properties are eligible for a loan against property.
  • Balance Transfer: You might have the option to transfer your existing loan against property to Godrej Capital for better terms.
  • Online Account Access: Manage your loan account online, including checking outstanding balance, repayment schedule, and more.

Required Documents Godrej Capital Documents


The required documents generally include:

  • Property documents with clear titles.
  • Identity and address proofs.
  • Income documents (salary slips, income tax returns, etc.).
  • Passport-sized photographs.

Fees & Charges Godrej Capital Fees & Charges


Our fees and charges are competitive and transparent. They typically include processing fees, administrative charges, and applicable taxes. These fees are outlined during the application process, ensuring you have a clear understanding of the costs involved before proceeding.

Think About Godrej Capital Think About


Competitive Interest Rates: Godrej Capital provides competitive interest rates, making your loan against property more affordable.

Flexible Repayment Options: We understand the diverse financial situations of our customers. Hence, we offer flexible repayment options to suit your preferences and capabilities.

Quick and Hassle-Free Process: Our streamlined loan application process ensures quick approvals and disbursals, minimizing your waiting time.

High Loan Amounts: Godrej Capital offers substantial loan amounts against your property's value, allowing you to access the funds you need.

Variety of Property Types: We accept various types of properties, be it residential or commercial, ensuring that more customers can avail our loan against property.

Transparent Fees & Charges: Our fee structure is transparent and competitive, avoiding hidden charges and ensuring you understand the costs involved.

Minimal Documentation: We have designed our application process to require minimal documentation, reducing your paperwork burden.

Expert Customer Support: Our dedicated customer support team is available to assist you throughout the loan process, addressing any queries you might have.

Eligible Criteria Godrej Capital Eligible Criteria


To be eligible for a Godrej Capital loan against property, you generally need to meet the following criteria:

  • Minimum age of 21 years and maximum age of 65 years.
  • Stable source of income.
  • Property ownership with clear titles.
  • Satisfactory credit score.
  • Ability to repay the loan amount.

9.00%-15.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 10 L

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other features Our Features


  • Loan Amount: Depending on the property's value and your eligibility, you can avail a loan against property for a certain percentage of the property's value.
  • Loan Tenure: Repayment tenure is flexible, allowing you to choose a duration that suits your financial situation.
  • Repayment Options: Options such as EMIs or structured repayment plans might be available.
  • Property Types: Both residential and commercial properties are generally accepted as collateral.
  • Balance Transfer: You may have the option to transfer your existing loan against property from another bank to IDFC First Bank.
  • Online Account Access: Manage your loan account, check outstanding balance, view repayment schedule, and more through our online portal.

Required Documents IDFC Bank Documents


The required documents typically include:

  • Property documents to establish ownership.
  • Identity and address proofs.
  • Income documents (salary slips, ITR forms, etc.).
  • Passport-sized photographs.

Fees & Charges IDFC Bank Fees & Charges


IDFC First Bank's fees and charges typically include processing fees, administrative charges, and applicable taxes. These charges are communicated transparently during the application process.

Think About IDFC Bank Think About


IDFC First Bank offers a range of benefits when considering a loan against property. Here's why you might consider choosing IDFC for your loan needs:

Competitive Interest Rates: IDFC First Bank provides competitive interest rates, making your loan against property more affordable.

Customized Solutions: We understand that every customer's financial needs are unique. We offer customized loan solutions to suit your requirements.

Flexible Repayment Options: Our flexible repayment options ensure that you can choose a plan that aligns with your financial capabilities.

Quick Processing: We aim to provide quick loan processing, ensuring that you get access to the funds you need in a timely manner.

High Loan Amounts: Depending on the value of your property, you can access substantial loan amounts to meet your financial goals.

Transparent Fees & Charges: Our fee structure is transparent, and we ensure that you are aware of all fees and charges upfront.

Expert Advice: Our experienced team is available to provide you with expert advice and guidance throughout the loan process.

Eligible Criteria IDFC Bank Eligible Criteria


To be eligible for an IDFC First Bank loan against property, you generally need to meet the following criteria:

  • Minimum age of 25 years and maximum age of 65 years.
  • Regular source of income to demonstrate repayment capability.
  • Clear property ownership with marketable titles.
  • Satisfactory credit history.
  • Ability to provide necessary documentation.

10.00%-15.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

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other features Our Features


  1. Loan amount up to 75% of the property's market value.
  2. Flexible repayment options ranging from 3 to 15 years.
  3. Quick and easy loan approval process.
  4. Loan can be used for any purpose such as business expansion, education, medical expenses, etc.
  5. Doorstep service and personalized customer care.
  6. No prepayment charges after a specific period.

Required Documents Chola Documents


  1. Identity Proof: PAN Card, Aadhaar Card, Voter ID, Passport, Driving License
  2. Address Proof: Aadhaar Card, Voter ID, Passport, Driving License, Utility Bill
  3. Income Proof: Bank statements, ITR, Salary Slips, Business proof
  4. Property documents: Property Title Deed, Property Tax Receipts, Sale Agreement, Approved Building Plan
  5. Other documents: Photographs, Business Profile, Partnership Deed, MOA and AOA

Fees & Charges Chola Fees & Charges


  1. Processing fees: 0.5% to 1% of the loan amount.
  2. Late payment charges: 2% to 4% of the overdue amount.
  3. Prepayment charges: After a specific period, no prepayment charges are applied.
  4. Valuation fees: Depending on the property, the valuation fees may vary.

Think About Chola Think About


  1. Competitive interest rates.
  2. Easy application process.
  3. Quick loan disbursement.
  4. Flexible repayment options.
  5. No hidden charges.
  6. Expert customer service.

Eligible Criteria Chola Eligible Criteria


  1. Individuals who are a minimum of 21 years old at the time of application and a maximum of 60 years old at the time of loan maturity
  2. Self-employed individuals, salaried individuals, and proprietors of businesses are all eligible.
  3. The property being mortgaged should be located in an area where Chola provides loan against property.
  4. The property being mortgaged must be owned by the borrower.
  5. The borrower's creditworthiness is also considered when determining eligibility.

10.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

Apply Now

other features Our Features


  • Loan Amount: Depending on the property's value and eligibility, you can access a loan amount against it.
  • Loan Tenure: Choose a repayment tenure that suits your financial situation.
  • Repayment Options: Shriram Finance might offer repayment options such as EMIs or tailored plans.
  • Property Types: Both residential and commercial properties are typically accepted as collateral.
  • Online Account Access: Manage your loan account online, including checking outstanding balance, repayment schedule, and more.

Required Documents Shriram Housing Finance Documents


The typical documents required for a Shriram Finance loan against property include:

  • Property ownership documents with clear titles.
  • Identity and address proofs.
  • Income documents (salary slips, ITR forms, etc.).
  • Passport-sized photographs.

Fees & Charges Shriram Housing Finance Fees & Charges


The fees and charges associated with a Shriram Finance loan against property generally include processing fees, administrative charges, and applicable taxes. These charges are usually communicated transparently during the application process.

Think About Shriram Housing Finance Think About


Shriram Finance Limited offers several reasons to consider them for your loan against property needs. Here's why you might choose Shriram Finance:

Expertise in Financial Services: Shriram Finance Limited has a strong track record in providing financial services, offering a sense of reliability and experience.

Competitive Interest Rates: Shriram Finance offers competitive interest rates, making your loan against property more affordable.

Customer-Centric Approach: We prioritize understanding your financial needs and offer personalized solutions tailored to your requirements.

Quick Processing: Our streamlined processes aim for quick loan approval and disbursal, ensuring you have access to funds when you need them.

Transparent Fee Structure: We maintain transparency in our fee structure, ensuring you have a clear understanding of the costs involved.

Flexible Repayment Options: Our flexible repayment plans are designed to cater to various financial situations and preferences.

Wide Range of Loan Amounts: Depending on your property's value and eligibility, you can access a range of loan amounts.

Eligible Criteria Shriram Housing Finance Eligible Criteria


To be eligible for a Shriram Finance loan against property, you generally need to meet certain criteria:

  • Minimum age requirement.
  • Proof of steady income to demonstrate repayment capacity.
  • Clear ownership of property with marketable titles.
  • Satisfactory credit history.
  • Ability to provide required documents.

11.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

Apply Now

other features Our Features


  1. Loan amount: Fullerton India offers loans against property ranging from Rs. 5 lakh to Rs. 10 crore.
  2. Tenure: The loan tenure ranges from 3 years to 15 years.
  3. Quick disbursal: Fullerton India offers quick loan disbursal within 48 hours of loan approval.
  4. Balance transfer: Fullerton India also allows customers to transfer their existing LAP from other lenders to Fullerton India to avail of lower interest rates and better terms.
  5. Flexible repayment: Fullerton India offers flexible repayment options to customers, including step-up, step-down, and bullet repayment options.
  6. Online account management: Customers can manage their loan account online through Fullerton India's customer portal.

Required Documents Fullerton India Documents


  1. Application form with photograph
  2. Identity proof
  3. Address proof
  4. Income proof
  5. Bank statements for the past 6 months
  6. Property documents

Fees & Charges Fullerton India Fees & Charges


  1. Processing fee: Up to 3% of the loan amount.
  2. Late payment charges: 2% per month on the overdue amount.
  3. Prepayment charges: Up to 7% of the outstanding principal amount.

Think About Fullerton India Think About


  1. Competitive interest rates
  2. Quick loan disbursal
  3. Flexible repayment options
  4. Easy documentation
  5. Transparent fee and charges

Eligible Criteria Fullerton India Eligible Criteria


  1. The applicant must be a resident of India.
  2. The applicant must be at least 21 years old.
  3. The maximum age limit for salaried applicants is 60 years, and for self-employed applicants, it is 65 years.
  4. The applicant must have a regular source of income.

11.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

Apply Now

other features Our Features


  • Loan Amount: Depending on your property's value and eligibility, you can secure a loan against it.
  • Loan Tenure: Choose a repayment tenure that suits your financial circumstances.
  • Repayment Options: Flexible repayment options such as EMIs or tailored plans might be available.
  • Property Types: Both residential and commercial properties might be accepted as collateral.
  • Online Account Access: Manage your loan account online, including tracking your outstanding balance, repayment schedule, and more.

Required Documents ARKA Fincap Documents


The typical documents required for an ARKA Fincap loan against property include:

  • Property ownership documents with clear titles.
  • Identity and address proofs.
  • Income documents (salary slips, ITR forms, etc.).
  • Passport-sized photographs.

Fees & Charges ARKA Fincap Fees & Charges


The fees and charges associated with an ARKA Fincap loan against property typically include processing fees, administrative charges, and applicable taxes. These charges are communicated transparently during the application process.

Think About ARKA Fincap Think About


ARKA Fincap offers compelling reasons to consider them for your loan against property needs. Here's why you might choose ARKA Fincap:

Personalized Loan Solutions: ARKA Fincap understands that financial needs vary. We offer customized loan solutions tailored to your specific requirements.

Transparent Process: We maintain transparency throughout the loan process, ensuring you understand all terms, conditions, and charges.

Competitive Interest Rates: ARKA Fincap provides competitive interest rates, making your loan against property more affordable.

Quick Approval: We aim for swift approval of your loan application, helping you access funds promptly.

Flexible Repayment Options: Our flexible repayment plans are designed to accommodate your financial situation and preferences.

Expert Guidance: Our experienced team is available to provide expert guidance and support throughout the loan application process.

Eligible Criteria ARKA Fincap Eligible Criteria


To be eligible for an ARKA Fincap loan against property, you generally need to meet certain criteria:

  • Minimum age requirement.
  • Proof of regular income to establish repayment capacity.
  • Ownership of property with clear titles.
  • Satisfactory credit history.
  • Ability to provide necessary documents.

12.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

Apply Now

other features Our Features


  • Loan Amount: Depending on your property's value and eligibility, you can secure a loan amount against it.
  • Loan Tenure: Choose a repayment tenure that aligns with your financial circumstances.
  • Repayment Options: Piramal Finance might offer repayment options such as EMIs or tailored plans.
  • Property Types: Both residential and commercial properties are typically accepted as collateral.
  • Online Account Access: Manage your loan account online, including checking outstanding balance, repayment schedule, and more.

Required Documents Piramal Finance Documents


The typical documents required for a Piramal Finance loan against property include:

  • Property ownership documents with clear titles.
  • Identity and address proofs.
  • Income documents (salary slips, ITR forms, etc.).
  • Passport-sized photographs.

Fees & Charges Piramal Finance Fees & Charges


The fees and charges associated with a Piramal Finance loan against property generally include processing fees, administrative charges, and applicable taxes. These charges are usually communicated transparently during the application process.

Think About Piramal Finance Think About


Piramal Finance offers a range of reasons to consider them for your loan against property needs. Here's why you might choose Piramal Finance:

Strong Financial Backing: Piramal Finance is part of the Piramal Group, a well-established conglomerate, providing a sense of trust and reliability.

Competitive Interest Rates: Piramal Finance offers competitive interest rates, making your loan against property more affordable.

Customized Solutions: We understand that financial needs vary. Our customized loan solutions cater to your specific requirements.

Quick Processing: We prioritize quick loan processing and disbursal, ensuring you have access to the funds you need promptly.

Transparent Fee Structure: Piramal Finance maintains transparency in its fee structure, ensuring you are aware of all costs involved.

Flexible Repayment Options: Our flexible repayment plans are designed to accommodate various financial situations and preferences.

Expert Customer Support: Our dedicated customer support team is available to assist you throughout the loan process.

Eligible Criteria Piramal Finance Eligible Criteria


To be eligible for a Piramal Finance loan against property, you generally need to fulfill certain criteria:

  • Minimum age requirement.
  • Regular source of income to demonstrate repayment capacity.
  • Property ownership with clear titles.
  • Satisfactory credit history.
  • Ability to provide necessary documentation.

13.00%-20.00%

Estimated APR

15 Years

Available Terms

Up to Rs.5 L - 50 L

Apply Now

other features Our Features


  • Loan Amount: Depending on the value of your property and your eligibility, you can secure a loan amount against it.
  • Loan Tenure: Choose a repayment tenure that suits your financial situation.
  • Repayment Options: Adani Finance might offer repayment options such as EMIs or customized plans.
  • Property Types: Both residential and commercial properties are usually accepted as collateral.
  • Online Account Access: Manage your loan account online, including checking outstanding balance, repayment schedule, and more.

Required Documents Adani Finance Documents


The typical documents required for an Adani Finance loan against property include:

  • Property ownership documents with clear titles.
  • Identity and address proofs.
  • Income documents (salary slips, ITR forms, etc.).
  • Passport-sized photographs.

Fees & Charges Adani Finance Fees & Charges


Fees and charges associated with an Adani Finance loan against property generally include processing fees, administrative charges, and applicable taxes. These charges are usually communicated transparently during the application process.

Think About Adani Finance Think About


Adani Finance offers several compelling reasons to consider them for your loan against property needs. Here's why you might choose Adani Finance:

Reputed Financial Institution: Adani Finance is part of the Adani Group, a renowned conglomerate. This association can provide a sense of reliability and trust.

Competitive Interest Rates: Adani Finance offers competitive interest rates, making your loan against property more affordable.

Quick Processing: We prioritize quick loan processing and disbursal, ensuring you have access to the funds you need promptly.

Flexible Repayment Options: Our flexible repayment plans cater to various financial situations and preferences.

Transparent Fee Structure: We maintain transparency in our fee structure, ensuring you understand the costs involved.

Diverse Property Types: Adani Finance typically accepts both residential and commercial properties as collateral.

Expert Customer Support: Our dedicated customer support team is available to assist you at every step of the loan process.

Eligible Criteria Adani Finance Eligible Criteria


To be eligible for an Adani Finance loan against property, you generally need to meet certain criteria:

  • Minimum age requirement.
  • Stable source of income to demonstrate repayment capability.
  • Property ownership with clear titles.
  • Satisfactory credit history.
  • Ability to provide necessary documents.
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