Saiban Capital

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Features of Our Loan Against Property

✔️ Loan Amount: ₹five Lakhs to ₹5 Crores

✔️ Tenure: Up to twenty years

✔️ Interest Rate: Starting from 9.25% p.A.

✔️ Funding up to 70% of property price

✔️ Loans to be had for both salaried & self-employed

Get get right of entry to to excessive-fee loans at competitive hobby prices, with zero hidden costs.

Loan Against Property Eligibility and Documents

Read on to know the criteria required to apply for our Home Loan.

Apply now

EMI Calculator for Loan Against Property

We offer flexible EMI options so you in no way experience the pinch.

  • Choose tenure: 1 to 5 years
  • Pay in clean month-to-month installments
  • No prepayment penalty
  • Pay early and keep on interest

EMI Calculator

Monthly EMI: ₹0

Total Interest: ₹0

Total Payment: ₹0

Loan Against Property Eligibility

You’re eligible if:

Criteria Salaried Self-Employed Age 23–60 years 25–65 years Income ₹25,000/month (minimal) ₹3 Lakhs/yr (minimum) Property Ownership Clear title in applicant’s name Same Employment Minimum 1 year 3 years in enterprise

A smooth credit history (700+ score) will increase your possibilities of quick approval.

Documents Required for LAP

  • Here’s what you need for a loan against property:

    • Identity Proof: Aadhaar, PAN, Passport
    • Address Proof: Utility invoice, Voter ID, Driving License
    • Income Proof:
    • Salaried: Salary slips, Form sixteen, bank statements
    • Self-employed: ITRs, P&L assertion, GST returns
    • Property Documents: Sale deed, title deed, modern tax receipts, accepted constructing plan

    Hassle-loose digital submission & verification for quicker disbursal.

Fees and Charges for LAP

The expenses and fees of domestic loans normally vary from lender to lender and from case to case. The aforementioned table will provide you with a fair concept of the costs and fees related to domestic loans:

Particulars

Charges

Loan Processing Fees

0.25% to 2% of Loan Amount

Loan Cancellation

Nill - 5% (according to Bank/NBFC)

Stamp Duty Charges

As per the Value of the Property and State Tax

Legal Fees

As per actual

Penal Charges

Usually 2% per month

EMI / Cheque Bounce Charges

Approx 500/-

FAQ'S

Q1. Can I get a LAP on a rented belongings?

Yes, in case you're the felony proprietor and the property has clean documents.

Q2. How lengthy does LAP processing take?

Generally between 5 to 7 operating days, depending on valuation.

Q3. Can I use the LAP amount for personal reasons?

Yes, you can use the budget for any private or commercial enterprise purpose.

Q4. Is a co-applicant obligatory?

Not mandatory, but it can help with higher mortgage eligibility.

Q5. Can I prepay the mortgage early?

Yes, and in maximum cases, there are zero prepayment consequences.

Loan Against Property Eligibility

You’re eligible if:

Criteria Salaried Self-Employed Age 23–60 years 25–65 years Income ₹25,000/month (minimal) ₹3 Lakhs/yr (minimum) Property Ownership Clear title in applicant’s name Same Employment Minimum 1 year 3 years in enterprise

A smooth credit history (700+ score) will increase your possibilities of quick approval.

Documents Required for LAP

Here’s what you need for a loan against property:

  • Identity Proof: Aadhaar, PAN, Passport
  • Address Proof: Utility invoice, Voter ID, Driving License
  • Income Proof:
  • Salaried: Salary slips, Form sixteen, bank statements
  • Self-employed: ITRs, P&L assertion, GST returns
  • Property Documents: Sale deed, title deed, modern tax receipts, accepted constructing plan

Hassle-loose digital submission & verification for quicker disbursal.

EMI Calculator for LAP

We offer flexible EMI options so you in no way experience the pinch.

  • Choose tenure: 1 to 5 years
  • Pay in clean month-to-month installments
  • No prepayment penalty
  • Pay early and keep on interest

EMI Calculator

Monthly EMI: ₹0

Total Interest: ₹0

Total Payment: ₹0

Features of Our Loan Against Property

✔️ Loan Amount: ₹five Lakhs to ₹5 Crores

✔️ Tenure: Up to twenty years

✔️ Interest Rate: Starting from 9.25% p.A.

✔️ Funding up to 70% of property price

✔️ Loans to be had for both salaried & self-employed

Get get right of entry to to excessive-fee loans at competitive hobby prices, with zero hidden costs.

Q1. Can I get a LAP on a rented belongings?

Yes, in case you're the felony proprietor and the property has clean documents.

Q2. How lengthy does LAP processing take?

Generally between 5 to 7 operating days, depending on valuation.

Q3. Can I use the LAP amount for personal reasons?

Yes, you can use the budget for any private or commercial enterprise purpose.

Q4. Is a co-applicant obligatory?

Not mandatory, but it can help with higher mortgage eligibility

Q5. Can I prepay the mortgage early?

Yes, and in maximum cases, there are zero prepayment consequences.

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