Loan Against Property
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Loan Against Property Eligibility
Eligibility criteria for micro loans may vary across lenders. Below are the general requirements:
| Criteria | Salaried Individuals | Self-Employed Individuals |
|---|---|---|
| Age | 21 to 60 years | 21 to 65 years |
| Income | Minimum ₹25,000 per month | Minimum ₹3 lakh p.a. |
| Property Type | Residential or Commercial Property | Residential, Commercial, or Industrial Property |
| Loan Tenure | Up to 20 years | Up to 15 years |
| Credit Score | Preferably 700 and above | Preferably 700 and above |
| Employment Stability | Minimum 2 years in current job | Minimum 3 years of business continuity |
| Ownership of Property | Sole or Co-ownership | Sole or Co-ownership |
Documents Required for Loan Against Property
Lenders need certain documents to process a Loan Against Property. These help verify your identity, property ownership, income, and repayment capacity. Here’s a simple breakdown of what you’ll need:
| Category | Salaried Individuals | Self-Employed Individuals |
|---|---|---|
| Proof of Identity | Aadhaar Card, PAN Card, Passport, Driving License | Aadhaar Card, PAN Card, Passport, Driving License |
| Proof of Address | Utility Bills, Ration Card, Passport | Utility Bills, Ration Card, Passport |
| Proof of Income | Latest Salary Slips, Form 16, and Bank Statements | ITR for the last 3 years, Bank Statements, and Profit & Loss Statements |
| Property Documents | Title Deed, Encumbrance Certificate, and Sale Agreement | Title Deed, Encumbrance Certificate, and Sale Agreement |
| Other Documents | Employer Certificate, Loan Application Form | Business Continuity Proof, Loan Application Form |
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