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Loan Against Property

Here are a few factors

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Location PAN India
CIBIL Score 650+
Applicant Only Salaried Applicant
Applicant Age 21 Year to 60 Year
Loan Amount & Tenure 5 Lac to 75 Lac
(5 year to 15 year)
Login Fees 3000
Rate of Interest & Type 11% to 16% (Reducing)
TAT 15 Days
Processing Fees 1%
Foreclosure Charges Insurance Charges:2%-4% 
Insurance As per Age
Minimum Business Vintage 2 Year
Lock In Period 1 Year
Part Payment Allowed Yes
LTV Residential Property-70% 
Product (i) Fresh LAP (ii) BT+Top UP 
Program Income Program-75 Lac
FOIR If Salary<30K-45% of Net Salary, If Salary>30K-50-70%
Cautious Profile No Catious Profile
Negative Profile All Self Employed Person
Funded Property (i) Residential Property (ii) Subject to Sale Deed (iii) Single Sale Deed (iv) Khasra Khatauni (v) Lal Dora
(vi) Stone Slab Property (vi) Sub-divided Property (vii) Basement (viii) Without MAP Property
(ix) Bachha Flat (x) Legal & Technical not clear
Negative Property Other than Residential Property
Accepted Collateral Other than Negative Property
Specific Property wise Funding Limit On all Property funding upto 75 Lac
Any Specific Product for Professionals No
USP Low Value Funding
Right Documents - Easy Process

Required Documents to Apply for We Rize 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
Leave Your Question

FREQUENTLY ASKED QUESTIONS

 You can get upto 70% of the current market value of your house.

Your CIBIL Score should be at least 650+.

 WeRize will charge only 1% as processing fee on the loan amount.

. No, only salaried people ask for WeRize loan against property.


No, WeRize does not provide any such loan programs.

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