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Loan Against Property

Here are a few factors

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Location 50km from Branch
CIBIL Score 550+
Applicant Any Salaried & Self Employed
Applicant Age (i) Salaried: 21 year to 65 Year
(ii) Self Employed: 25 Year to 70 Year
Loan Amount & Tenure 5 Lac-50 Lac
(5 Year to 15 Year)
Login Fees 6500
Rate of Interest & Type 13% to 21% (Reducing)
TAT Upto 15 Days
Processing Fees 2% to 2.50%
Foreclosure Charges Upto 4%+GST
Insurance 1%-4%
Minimum Business Vintage 3 year
Lock In Period 12 Month
Part Payment Allowed No
LTV (i) Residential Property-70% (ii) Commercial Property-60% (iii) Industrial Property-55%
Product (i) Fresh LAP (ii) BT+Top UP (iii) Seller BT
Program (i) LIP Program-50 Lac (ii) Banking Program-50 Lac (iii) Income Program-50 Lac (iv) without ITR-20 Lac
FOIR 70% of Cash Income
Cautious Profile No Catious Profile
Negative Profile (i) NRI (ii) Politician (iii) Police (iv) Advocate
Funded Property (i) Residential Property (ii) Commercial Property (iii) Industrial Property (iv) Subject to Gift Deed
(v) Current Sale Deed (vi) Khasra Khatauni (vii) Multi Tanented Unit (viii) Lal Dora (ix) Sub-divided Property
(x) Regularized Colony (xi) Gram Panchayat Property (xii) Registry to GPA after 2011
(xiii) Techinal & Legal not clear
Negative Property (i) School (ii) Hospital (iii) Hotel (iv) Any type of Plot (v) Industrial Property (v) Lease hold Property without PTM
(vi) Basement (vii) Auction Property (viii) Malls (ix) Godown (x) Demolition List Property
Accepted Collateral Other than Negative Property
Specific Property wise Funding Limit On all Property upto 50 Lac
Any Specific Product for Professionals No
USP Funding on all type of property
Right Documents - Easy Process

Required Documents to Apply for Vistaar Finance 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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