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A Loan Against Property may be availed for:

• Business expansion or working capital
   
• Debt consolidation
   
• Medical expenses
   
• Education expenses
   
• Marriage or personal financial needs
   
• Any lawful personal or business requirement
   

An applicant must satisfy the following conditions:

• Age between 21 to 65 years (at loan maturity)
   
• Ownership of clear and marketable property
   
• Stable income source (salaried or self-employed)
   
• Satisfactory credit score (generally 700+ preferred)
   
• Acceptable debt-to-income ratio
   
• Clear legal status of property
   

• Business operational for minimum 2–3 years
   
• Stable financial performance
   
• Ownership of eligible property for collateral
   
• Proper statutory registrations and compliance
   
• Satisfactory credit profile of promoters and business
   

1. Duly filled and signed loan application form
    
2. PAN Card (Individual & Business, if applicable)
    
3. Aadhaar / Identity & Address Proof
    
4. Passport-size photographs
    

1. Income Proof (Salary slips / Income Tax Returns)
    
2. Bank statements for last 6–12 months
    
3. Audited financial statements (for business applicants)
    
4. Existing loan statements (if any)
    

1. Sale Deed / Title Deed
    
2. Encumbrance Certificate
    
3. Approved building plan
    
4. Property tax receipts
    
5. Any other legal and valuation documents as required by lender
    

• Loan amount typically ranges between 50%–70% of property value (as per lender norms)
   
• Interest rates are generally lower than unsecured loans
   
• Processing, legal, and valuation charges may apply
   
• Loan approval subject to credit assessment and legal verification of property
   
• Property remains mortgaged until full repayment