About Loan Against Property
Loan against property or LAP is a kind of secured personal loan provided by banks and financial institutions by some pledged assets. Anyone who owns some commercial or residential property can avail this loan using properties as collateral. The process of LAP is different due to the presence of a mortgaged. In the process of loan approval, some percentage amount of current market value of the property is given to borrowers as a loan. However, the property used as collateral will allow serving as the residential or commercial purpose for the borrower.
Features of Loan Against Property
Daeju Financial Consultancy Pvt Ltd ensures you to provide a loan amount of 60% of your property’s market value. Our process of approving loan against property is transparent, and we offer the fast service at your doorstep. Choose us and avail the following benefits at our loan service in Delhi NCR.
High Loan Amounts
Our financial consultancy in Delhi can help you to get a loan of 60% of the current value of your property. Our substantial loan offers are more stress-free with low-interest rates and flexible repayment options and loan tenor.
Catering Every Financial Need
We accept both residential and commercial properties as collateral and you can the borrowed money for whatever purpose you want to.
We maintain transparency
We share every detail about your loan against property, and applicable charges are not levied on our services.
Fast and best services
Daeju financial provide doorstep service for fast and efficient loan processing.
Properties comes under Loan Against Property (LAP)
Registered property with / without map merged
Industrial property
Eligibility Criteria For Loan Against Property
There are some necessary criteria that a person must meet while applying for a loan against property. These include an active profession, regular income and collateral. We consider those applicants who fall into the following categories:
Salaried Individual
Self-Employed Professional/Individual
Property eligibility
Documents Required For Loan Against Property
We required the following documents to validate your identity, income and residence for loan approvals:
You need to provide the following documents as the residence proof:
- Voter’s ID Card
- Aadhar Card
- Telephone Bill
- Electricity Bill
You need to give the following documents as the identity proof:
- Voter’s ID Card
- Aadhar card
- Driver’s License
- Employer’s Card
- Pan Card
You need to give the following financial documents:
- Form 16 for the previous 2 years
- Salary slip for the last 6 months showing all deductions
- Copies of all the property documents of the concerned property to be pledged for the loan
- Latest Bank Statement/Passbook from where you can show a salary/income credited for the previous 6 months
- ITR required for last 3 years
- Last 3 years certified financial statement.
You need to give the following documents as the residence proof:
- Aadhar card
- Telephone Bill
- Electricity Bill
- Voter’s ID Card
You need to provide following documents as identity proof:
- Driver’s License
- Aadhar card
- Voter’s ID Card
- Employer’s Card
- Pan Card
You need to give the following financial documents:
- Copies of all the property documents of the concerned property to be pledged for the loan
- Latest Bank Statement/Passbook from where you can show a salary/income credited for the previous 6 months
- GST registration
