Recent Search and Popular Product

Bank wise

Business Loan

Location Wise

Personal Loan

Monthly Salary Wise

Home Loan

Salary mode wise

Education Loan

CIBIL Wise

Car Loan

CIBIL History

Credit Card

Age wise

Loan Against Security

Age wise

Loan Against Property

Here are a few factors

Rating 0 /
Total - 0 ratings
5 ★
0
4 ★
0
3 ★
0
2 ★
0
1 ★
0
Location All Metro Cities
CIBIL Score 700+
Applicant Any Self Employed
Applicant Age 21 Year to 65 Year
Loan Amount & Tenure 30 Lac- 25 Cr
( 3 Year to 15 Year)
Login Fees 5900
Rate of Interest & Type 9%-12% (Reducing)
TAT 10 days
Processing Fees 0.50%-1%%
Foreclosure Charges If Udhyam Registration then Nil after12 month else upto 4%
Insurance 0%-4%
Minimum Business Vintage 3 Year
Lock In Period 12 Month
Part Payment Allowed Yes
LTV (i) Residential-75% (ii) Commercial-70% (iii) Industrial-50%
(iv) If Residential Property is rented/vacant-LTV will be 10% less
(v) If Commercial Property is vacant/rented/purchase-LTV will be 10% less
Product (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv)LAP+OD Product
Program (i) Banking Program-5 Cr (ii) Income Program-30 Cr (iii) GST Program-5 Cr (iv) Lease Rental Discounting-30 Cr
FOIR 80% of Cash Profit
Cautious Profile No Cautious Profile
Negative Profile (i) Salaried Applicant (ii) Politician (iii) Jewellers (iv) Real Estate (v) Applicant living in dominated area
Funded Property (i) Approved Residential Property (ii) Approved Commercial Property (iii)Approved Industrial Property
(iv)Approved Mall & Commercial Complex Property 
Negative Property (i) Unapproved Property (ii) Without MAP Property (iii) Lease hold Property without PTM
(iv)Stand Alone Basement (v) Auction Property (vi) Demolition List Property (vii) Lal Dora Property
(viii) Khasra & Khatauni Property (ix) Subject to Sale Deed Property (x) GPA Property
(xi) Gift Deed Property (xii) Single Sale Deed Property (xiii) Legal & technical not clear
(xiv) Stone Slab Property (xv) Hotel & Restaurent (xvi) Hospital & Nursing Home (xvii) School
(xviii) Multi Tanented Unit (xix) Regularized Colony
Accepted Collateral Other than Negative Property
Specific Property wise Funding Limit No
Any Specific  Product for Professionals No
USP LTV upto 90%
Right Documents - Easy Process

Required Documents to Apply for Standard Chartered 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
Apply for Loan

Copyright 2024 © Referloan.in.