Loan against Property

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About Loan against Property

Avail through Total Loan Sloution loan against property (LAP) for your personal or business needs at attractive interest rates. Both residential and commercial properties can be mortgaged for availing a loan against property. we are provides a smooth & hassle-free loan against property to both salaried and self-employed individuals. loan against property is a simple solution to your financial needs.

Loan Against Property Features

  • Longer tenure, smaller EMIs

  • Easy and hassle free documentation

  • Loan against fully constructed, freehold residential and commercial properties for: Business Needs; Marriage, medical expenses and other personal needs; transferring your outstanding loan availed from another Bank / Financial Institution

  • Simple repayments through monthly installments

  • Integrated branch network for availing and servicing the loan anywhere in India

  • Attractive interest rates

Loan Against Property Interest Rates

For Salaried

Adjustable Rate Home Loans

Retail Prime Lending Rate:(Non Housing) 12.20%

Loan Slab Home Loan Interest Rates (% p.a.)
Self Occupied Residential Property 9.35 to 9.75
Non - Self Occupied Residential Property 9.85 to 11.00

The tenure of the loan is also dependent on the customer’s profile, age of customer at maturity of loan, age of property at loan maturity, depending upon the specific repayment scheme as may be opted and any other terms which may be applicable based on prevalent norms of HDFC.

Loan Slab Home Loan Interest Rates (% p.a.)
Commercial Property 9.85 to 12.25

List of Documents for Loan against Property Process

Employed person

  • Latest 3 month pay slip
  • Latest 2 yrs form 16 and ITR
  • Latest 6 month bank statements of salary account
  • Adhar card copy
  • Pan card copy
  • Address proof if different than Adhar card
  • One photo
  • Processing fee chq.
  • Property documents copy
  • Loan details if any
  • If employment is less 2 yrs than pls provide appointment letter

Self Employed person

  • Latest 3 yrs ITR with financial by CA attested along with 26 a(s)
  • Latest 2yrs GST return
  • Latest 6 month bank statement of all SB and CA account
  • Adhar card copy
  • Pan card copy
  • Address proof if different than Adhar card
  • One photo
  • Processing fee chq.
  • Property documents copy
  • Loan details if any

Company

  • ITR, computation sheet, Balance sheet and P &L a/c (along with all schedules, annexure and tax audit report ) - for 3 latest financial yrs.
  • Memorandum copy
  • Copy of PAN card
  • Bank statement - 6 months of all current a/cs and OD, if any
  • Loan track record/ loan repayment schedule of all running loans
  • GST returns latest
  • Business profile of the firm
  • Share holding pattern and list of directors attested by company CA
  • Office address proof co
  • Form 26AS last 3 yrs

About Loan against Property

Avail through Total Loan Sloution loan against property (LAP) for your personal or business needs at attractive interest rates. Both residential and commercial properties can be mortgaged for availing a loan against property. we are provides a smooth & hassle-free loan against property to both salaried and self-employed individuals. loan against property is a simple solution to your financial needs.

Loan Against Property Features

  • Longer tenure, smaller EMIs

  • Easy and hassle free documentation

  • Loan against fully constructed, freehold residential and commercial properties for: Business Needs; Marriage, medical expenses and other personal needs; transferring your outstanding loan availed from another Bank / Financial Institution

  • Simple repayments through monthly installments

  • Integrated branch network for availing and servicing the loan anywhere in India

  • Attractive interest rates

Loan Against Property Interest Rates

For Salaried

Adjustable Rate Home Loans

Retail Prime Lending Rate:(Non Housing) 12.20%

Loan Slab Home Loan Interest Rates (% p.a.)
Self Occupied Residential Property 9.35 to 9.75
Non - Self Occupied Residential Property 9.85 to 11.00

The tenure of the loan is also dependent on the customer’s profile, age of customer at maturity of loan, age of property at loan maturity, depending upon the specific repayment scheme as may be opted and any other terms which may be applicable based on prevalent norms of HDFC.

Loan Slab Home Loan Interest Rates (% p.a.)
Commercial Property 9.85 to 12.25

List of Documents for Loan against Property Process

Employed person

  • Latest 3 month pay slip
  • Latest 2 yrs form 16 and ITR
  • Latest 6 month bank statements of salary account
  • Adhar card copy
  • Pan card copy
  • Address proof if different than Adhar card
  • One photo
  • Processing fee chq.
  • Property documents copy
  • Loan details if any
  • If employment is less 2 yrs than pls provide appointment letter

Self Employed person

  • Latest 3 yrs ITR with financial by CA attested along with 26 a(s)
  • Latest 2yrs GST return
  • Latest 6 month bank statement of all SB and CA account
  • Adhar card copy
  • Pan card copy
  • Address proof if different than Adhar card
  • One photo
  • Processing fee chq.
  • Property documents copy
  • Loan details if any

Company

  • ITR, computation sheet, Balance sheet and P &L a/c (along with all schedules, annexure and tax audit report ) - for 3 latest financial yrs.
  • Memorandum copy
  • Copy of PAN card
  • Bank statement - 6 months of all current a/cs and OD, if any
  • Loan track record/ loan repayment schedule of all running loans
  • GST returns latest
  • Business profile of the firm
  • Share holding pattern and list of directors attested by company CA
  • Office address proof co
  • Form 26AS last 3 yrs

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