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Here are a few factors

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Location 40Km from Branch
CIBIL Score 650+
Applicant Any Self Employed
Applicant Age (i) Salaried: 21 year to 65 Year
(ii) Self Employed: 21 Year to 70 Year
Loan Amount & Tenure 50 Lac-5 Cr
(5 Year to 15 Year)
Login Fees 6500
Rate of Interest & Type 10%-13% (Reducing)
TAT 5 days
Processing Fees 1%-1.50%
Foreclosure Charges upto 4%+GST
Insurance As per Age of Applicant
Minimum Business Vintage 3 Year
Lock In Period 12 month
Part Payment Allowed No
LTV (i) Residential-70% (ii) Commercial-60% (iii) Industrial-40% (iv) School-60%
Product (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase 
Program (i) Banking Program-3 Cr
(ii) GST Product-3 Cr
(iii) Income Program-5 CR
(iv) Lease Rental Discounting-5 Cr
(v) Without ITR-50 Lac
(vi) Cash Rental-50 Lac
FOIR Self Employed-80% of Cash Profit 
Cautious Profile No Cautious Profile
Negative Profile (i) Politician (ii) Share Traders (iii) NBFC (iv) Police(v) Liquor Seller (vi)DSA
(vii) Applicant living in dominated area (viii) Real Estate
Funded Property (i) Residential Property (ii) Commercial Property (iii) Industrial Property
(iv) Mall & Commercial Complex Property (v) Primary School & School (vii)Nursing Home<25 Bed
(viii) Hotel & Restaurant (viii) Godown & warehouse (ix) Stone Slab Property (x) Lal Dora Property
(xi) Sub-divided Property (xii) Basement if Map Approved (xiii) Khasra Khatauni Property
(xiv)Subject to Sale Deed
Negative Property (i) Lease hold Property without PTM (ii)Stand Alone Basement (iii) Auction Property
(iv) Demolition List Property (v) ) GPA Property (vi) Gift Deed Property
(vii) Single Sale Deed Property (viii)Without MAP Property (ix) Unapproved Freehold Property
(xx) Legal & technical not clear(xxi) Farm House (xxii) Multi Tenanted Unit
Accepted Collateral Other than Negative Property
Specific Property wise Funding Limit (i) Lal Dora-5 Cr (ii) School-5 Cr (iii) Khasra Khatauni-5 Cr (iv) Stone Slab-5 Cr
Any Specific  Product for Professionals No
USP (i) Upto 50 Lac No financial Required
(ii) Clubbing of EMI upto 12 Loan for calculating Eligibility
Right Documents - Easy Process

Required Documents to Apply for Unity 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
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