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Loan Against Property

Loan Against Property

A loan against property or Home Equity is a secured loan that helps you avail of credit using your existing property as collateral. A LAP loan has zero restrictions, which means you can use it to finance any big-ticket expense. With a loan on property, you can benefit from the value of the property while you continue to occupy it.

When you avail of a loan against property, you submit your property documents with us as collateral. This is also called a mortgage loan against property.

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Property Covered Under a Loan against property

4 things

With Gauranga Capital, you get multiple options to avail of a loan on property. These include-

  • Loan against residential Property
  • Loan against Commercial Property
  • Loan against Industerial Property
  • Loan against land/plot

To avail of a loan against property, the property must be self-owned by the borrower.

Loan Calculator

**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance

Step By Step guide For Applying For a Mortgage loan with Gauranga Capital

Applying for a loan against property online is quick and easy. The first step is to check if you meet the following LAP eligibility criteria:

 

For Salaried Employees-

  • You must be employed in an MNC, Public Ltd. Co., Large Pvt. Ltd. Co., State Govt., Central Govt., or PSU.
  • Your age should be between 23 and 65 years or up to the age of retirement, whichever is earlier at loan maturity.
  • The Monthly Net Income must be at least Rs. 1,00,000
  • You should have a minimum of 3 years of occupational stability

For Self-Employed Individuals-

  • You must be a doctor, architect, chartered accountant, trader, retailer, or wholesaler.
  • The minimum age is 23 years, and the maximum is 70 years or the retirement age, whichever is earlier at loan maturity.
  • Your annual income should be at least Rs. 12,00,000.
  • You should have a minimum of 3 years of occupational stability.

If you meet these criteria, follow these steps to apply for a loan against property online with Gauranga Capital:

Step 1: Visit this website: https:

Step 2: Click on the “Apply Now” button on this page.

Step 3: Provide your personal and property details in the application form.

Step 4: Submit the application form along with the required documents.

That’s it! Once we successfully verify the application form and the submitted documents, the sanctioned loan amount will be disbursed to your account in no time.

Important RBI/Regulatory Updates

Legal Identity Identifier (LEI) :  If a non-individual borrower has an aggregate exposure of Rs. 5 crore and above from banks and financial institutions, then that borrower shall be required to obtain Legal Entity Identifier (LEI) code at the time of sanction. Borrowers who fail to obtain the LEI codes from an authorized Local Operating Unit (LOU) within the timelines mentioned below as per different exposure brackets shall not be sanctioned any new exposure nor shall they be granted renewal/enhancement of any existing exposure.

legal identifier

Business Loan Documents

4 things

You can avail of a Gauranga Capital business loan by submitting only a handful of documents.  Below is our business loan documents list:

  • Identity proof or KYC documents such as Aadhaar card, Passport
  • Business Proof
  • ITR for proof of income
  • Bank Statement

Please note that this business loan documents list is indicative. The exact documents required for business loan may vary from case to case based on our assessment program. However, the KYC documents and  bank statements are common business loan documents required in each case.

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Talk to an Advisor Right away!

Not Sure Which Loan To Take?

we help to choose best loan based on your need.

Client's Review

I loved how simple it was to get an online quote for my travel insurance. The entire process was user-friendly, and the pricing was transparent. Paying and buying the insurance online was seamless. Fantastic service!

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Aditya Choudhary Top Customer

I had to extend my foreign trip because all the flights were cancelled due to strike in the country. Thankfully, my travel insurance policy reimbursed me for my emergency hotel booking.

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Ram Kumar Thhakur Customer

A loan against property or Home Equity is a secured loan that helps you avail of credit using your existing property as collateral. A LAP loan has zero restrictions, which means you can use it to finance any big-ticket expense. With a loan on property, you can benefit from the value of the property while you continue to occupy it.

When you avail of a loan against property, you submit your property documents with us as collateral. This is also called a mortgage loan against property.

There are steps - 

  • Determine your Requirement
  • Check Loan Eligiblity
  • Calculate Monthly installment 
  • Fill the Document
  • Sumbit the Document
  • Enjoy the Loan

There are reasons to choose Loan against Property-

  • Quick & easy LAP Loan Processing
  • Nature of Collateral accepted for loan on Property
  • Longer LAP Loan Repayment Tenure

There are property covered under loan against property-

  • Loan against Residential Property
  • Loan against Commercial Property
  • Loan against Industerial Property
  • Loan against land/plot

There are Tips to get LAP at low interest-

  • Maintain a Favorable credit score
  • Improve Your Business Finance
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gauranga capital

Gauranga Capital with sole mission to make customers to connect us to become Dhani.

“Connect us To Become Dhani”

“Successful people are always looking for opportunities to help others. Unsuccessful people are always asking, ‘What’s in it for me?

 Brian Tracy, Author and Motivational Speaker

 

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