All about Loan Against Property
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- An individual who is Salaried, self-employed, or self-employed professional.
- A person with Net Monthly Income is in excess of Rs.12, 000/- or Net Annual Income (others) is in excess of Rs.1, 50,000/-.
- The income of the spouse can be added if he/she is a co-borrower or a guarantor.
- The maximum age limit for LAP self-employed is 70 years and for Salaried is 60 years.
1. Latest Passport size Photographs of Applicant & Co-Applicant is required.
2. Residence Proof of Applicant & Co-Applicant – (Latest Telephone Bill / Valid Passport in Current Address)
3. Photo- Id-Proof: Clear Pan Card/Passport. (App & Co-App)
4. Latest 3 Month’s Payslips/Last 2 years ITR is required(in case of self-employed)
5. Latest 6 Month’s Salary Account Bank Statement -2 sets is required(Net Downloaded Not Accepted)
6. Latest Three Years Form 16 (or) Three Year’s Employment Proof.
7. Loans Repayment Track if Any Existing Loan & 6 Months Emi Reflecting Bank Statement.
8. Relationship Proof of Applicant & Co-Applicant.
9. Initial PF (processing fee) cheque
1. Agreement Of Sale / Sale deed. (2 sets)
2. 13 years of link documents.
3. 13 Years Encumbrance Certificate (EC)
4. Approved Plan Copy. (2 sets)
5. Construction Estimation from the Architect (for construction)– Original.
6. Approved Layout Plan.
7. Latest Property Tax Receipts (Resale).
*Special Note: We do not provide Home Loan or Loan against Property to B Khata Property.