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Loan Against Property

Here are a few factors

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Location 75Km from Branch
CIBIL Score 675+
Applicant Any Self Employed
Applicant Age 21 Year to 65 Year
Loan Amount & Tenure 20 Lac- 10 Cr
( 3 Year to 15 Year)
Login Fees Nil
Rate of Interest & Type 10.50%-13.50% (Reducing)
TAT 10 days
Processing Fees 1%-2%
Foreclosure Charges Upto 4%
Insurance As per Age
Minimum Business Vintage 3 Year
Lock In Period 12 month
Part Payment Allowed No
LTV (i) Residential-100% (ii) Commercial-100% (iii) Industrial-70% 
Product (i) Fresh Loan (ii) BT+Topup (iii) Commercial or Industrial Purchase (iv) Lease Rental Discounting
Program (i) Banking Program-3 Cr
(ii) Income Program-10 Cr
(iii) Low LTV-1 Cr (50% of Property value)
(iv) RTR Program-3 Cr( After 18 month 1.10X multiplier)
(v) LRD- 10 Cr
FOIR 100% of Cash Profit 
Cautious Profile (i) Builders (ii) Real Estate (iii) Person living in dominated area (iv) Share Traders(v) Liquor Seller
Negative Profile (i) Politian (ii) GYM (iii) NBFC (iv) Police (v) Advocates (vi) Salaried Person
Funded Property (i) Residential Property (ii) Commercial Property (iii) Industrial Property (iv) Auction Property (if auction before 3 year)
(v) Warehouse 
Negative Property (i) School (ii) Hotel & Restaurant (iii) Hospital & Nursing Home (iv) PG & Multi Tanented Unit (v) Farm House (vi) Plot
Accepted Collateral Other than Negative Property
Specific Property wise Funding Limit (i) Lal Dora-20 Lac (ii) Regularized Area-20 Lac (iii) Khasra-Khatauni-20 Lac (iv) Sub-divided Property-20 Lac
(v) Stone Slab-20 Lac(v) Wihtout Map Property-20 Lac(vi) Gram Panchayat Property-20 lac
(vii) Lease Hold Property without PTM-20 Lac (viii)Subject to Registry-20 Lac
(ix) Gift Deed-20 Lac(x) Single Sale Deed-20 Lac(xi) Unapproved Property-20 Lac
(xii) Legal & Technicalnot Clear-20 Lac (xiv) Property in Demolition List-20 Lac
Any Specific Product for Professionals No
USP (i) LTV upto 100% (ii) Upto 20 Lac loan any property except GPA may be accepted
Additional (i) For Loan above 20 Lac only approved property is required (ii) For loan above 3 cr, Income documents is required
Right Documents - Easy Process

Required Documents to Apply for Edelweiss Bank Loan Against Property

Salaried income documents

  • KYC of applicant & Co-Applicant
  • Last 3 Month Salary Slip of Applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 2 Year Form 16 of applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Appointment letter of applicant if available
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Latest utility Bill if owned residence or rent agreement if rented
  • 2 Reference with contact details

Self Employed person documents

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Some Important Points

1. KYC Means
If Applicant is
  • Company-MOA, AOA, COI , PAN Card
  • Partnership Firm/LLP- Partnership Deed & PAN Card
  • Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
For Co-Applicant
  • KYC means  Adhaar Card, PAN Card, Passport Size Photo

Co-Applicant means in case of
  • Company : Directors
  • Partnership firm/LLP : Partners
  • Proprietorship Firm : Spouse of Proprietor
2. If LAP is applied with Government Bank then 30 year chain is required
3. If applicant is professional, then his professional degree is required
Share & Apply

About Edelweiss Bank Loan Against Property

Unforeseen circumstances may bring external financial assistance to you at any time. In those unexpected moments, If you possess a piece of property, you may utilize it as security for loans rather than having it sit as a residual asset. If you require a significant sum of money to cover, for example, business-related costs, the consolidation of debt, a youngster's wedding, or to get out of a financial crisis, you have the option to use the ownership of your house or commercial property. You may now get money at a lower rate than a personal loan by applying for a LAP from Edelweiss.

Work Process

Save Your Time with a Simple Loan Process

01
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

02
Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

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