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Jana Bank Loan Against Property
Jana Bank Loan Against PropertyPowered By
Jana Bank Loan Against Property
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Here are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 650+ |
| Applicant | Any Salaried or Self Employed Person |
| Applicant Age | Salaried-21
Year to 65 Year Self Employed-21 Year to 70 Year |
| Loan Amount & Tenure | 50
Lac to 15Cr (5 Year to 15 Year) |
| Login Fees | 5900+ |
| Rate of Interest & Type | (i)
Salaried:11% to 15% (ii)Self Employed: 11.50% to 16.50% (Reducing) |
| TAT | Sanction-10
Days Disbursement-within 3 days after submission of documents |
| Processing Fees | 1%-1.50% |
| Foreclosure Charges | Upto 4% |
| Insurance | 1%-4% |
| Minimum Business Vintage | 3 Year |
| Lock In Period | 12 Month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-90% (ii) Commercial-70% (iii) Industrial-60% (iv) if residential property is rented/vacant then LTV will be 10% lower (v) If Commercial/Industrial Property Purchase/vacant/rented then LTV will be 10% lower |
| Product | (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Seller BT |
| Program | (i)
Income Program-15 Cr (ii) LIP Program- 3 Cr (iii) Without ITR-1 Cr (iv) Banking Product-3 Cr |
| FOIR | (i) Salaried: Salary<50K-50% of Net Salary, If Salary>50-60% of Salary (ii) Self Employed: 80% of Income |
| Cautious Profile | No Cautious Profile |
| Negative Profile | (i) Politician (ii) NRI (iii) Real Estate (iv) GYM (v) Liquor Seller (vi) Advocate |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property (iv)
Khasra-Khatauni Property (v)Un-approved Property (vi)Gram Panchayat Property (vii) Legal & technical not clear (viii) Sub-divided Property (ix)Without MAP Property (x) Regularized Colony (xi) Stone Slab Property (xi) Basement with 1st Floor |
| Negative Property | (i)
GPA Property (ii) Stand Alone Basement (iii) Demolition List Property (iv)
Bachha Flat (v) Subject to Registry (vi) Hotel & Restaurent (vii) School (viii) Hospital & Nursing Home (ix) Godown & Warehouse (x)Gift Deed (xi) Single Sale Deed (xii) Leasehold Property without PTM (xiii) Any type of Plot (xiv) Multi Tenanted Property |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | (i) Lal Dora-3 Cr (ii) Other Specific Property-3 Cr |
| Any Specific Product for Professionals | No Specific Product |
| USP | Funding in Dominated Area |
| Additional | (i)
DOD product & LRD Product not doing (ii) Demolition List Property doing if entire property is coming (iii) 2 Bouncing in last 6 month accepted |
Required Documents
KYC of applicant & Co-Applicant
Last 3 year ITR with computation of income of applicant & co-applicant
Last 3 Month Salary Slip of Applicant
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
Last 12 month Bank Statement of applicant & co-applicant
26AS of last 2 year of applicant & co-applicant
Last 2 Year Form 16 of applicant
Appointment letter of applicant if available
Agreement to Sale if purchase case
Sanction letter of all running loan
Property Paper with complete chain of last 13 years
Latest utility Bill of Office if owned or rent agreement if rented
2 Reference with contact details
Eligibility Required For Jana Bank Loan Against Property
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Any Salaried or Self Employed Person Can Apply
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The minimum age of Salaried applicant must be 21 years to 65 years.
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The minimum age of Self Employed applicant must be 21 years to 70 years.
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Applicant must have a minimum CIBIL of 650 +
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