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Loan Against Property

Turn Your Property into Capital – Get a Loan Against Property Now!

Drive Your Success with Robust Financial Backing.
Loan Against Property at Competitive Rates – Apply Now & Save More

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Business Loan in trichy
  • Self - Employed
  • Salaried

What Makes Kfis the Right Choice?

  • Understand Your Financial Needs
  • All Your Financial Needs,
    Right here
  • Variable Repayment Terms
  • Fast-Track and Timely Funding
  • Wide Range of Lending Options
  • Trusted and Professional Support
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Partnered with 20+ Banks & NBFCs for Easy Financing Solution

Who Can Apply For Loan Against Property

  • Sole Proprietor
  • Partnership
  • Private Limited
  • LLP
  • Limited Company
  • Salaried

Minimum Criteria Required For Loan Against Property

  • Own Property (Residential, Commercial, Industrial) 🏠
  • Age Between 21 to 60 Years 👤
  • Good Credit Score (680+) 📊
  • Stable Income (Salary, Business, etc.) 💼
  • Property Valuation Meets Lender’s Criteria
  • Repayment Capacity (Income vs Liabilities) 💳

Types Of Loan Against Property

  • Commercial Property Loan 🏢
  • Loan Against Residential Property 🏡
  • Loan Against Commercial Land 🌾
  • Loan Against Industrial Property 🏭💳
  • Home Loan Against Property 🏠
  • Self-Employed Loan Against Property 👨‍💼🏡
  • Loan Against Leasehold Property 📜🏠
  • Loan Against Mortgage Property 🏠🔑
  • Balance Transfer & Top-Up Loan on Property 🏡🔼
  • Salaried Employee Loan Against Property 👔🏠

Steps for Loan Eligibility Check

Check Your Loan Eligibility Now

Click here

Eligibility Criteria For Loan Against Property - Self Employed

When applying for a loan against property, it’s important to understand the Eligibility Criteria For Loan Against Property For Self Employed Customers. At KFIS Financial Consulting, we simplify the process to help you secure a loan.  Meeting these requirements ensures a smooth approval process.

📜 Business Type
Ensure your business is registered as a 🏢 Sole Proprietorship, 🤝 Partnership, 🏛️ Pvt Ltd, 🏦 Limited Company, ⚖️ LLP, or 🏬 Corporate Entity.
⏳ Experience in the Industry
Your business should have 1+ years of active operation 🗓️ with industry expertise.
💸 Turnover Requirement
Your business must have a minimum monthly GST turnover of ₹30,00,000+ or higher 📈. Or The annual revenue covering the SME limits.
📊 Financial Consistency
Your business should have a reliable financial history ✅ with stable profits 💼📑.
💳 Minimum Credit Score
A credit score of 700+ 📈 is essential for both personal and business credit 🏦.
🏢 Proven Business History
A solid operational track record 📑 improves the chances of approval 📊.
👥 Age Eligibility Range
Applicants must fall within the age range of 21 to 65 years ⏳.

Eligibility Criteria For Loan Against Property - Salaried

📜 Nationality
Applicants must be residing Indian Citizens.
⏳ Work Experience
Overall Work experience must be 2 years and at least 6 months stable in the current company.
💸 Monthly Salary
Your monthly take home salary must be minimum of 1,00,000 and above. Rental income and Combined income from family members also considered for Mortgage, Home Loan, BT & Top-up
📊 Age
Applicant age must be between 18 to 60

Document Required For Loan Against Property - Self Employed

If you’re considering a loan against property, understanding the document required for loan against property for self employed & salaried is crucial for a smooth application process. At KFIS Financial Consulting, we provide expert guidance to help you gather the necessary paperwork for a seamless approval process.

🪪 Required PAN Card
All applicants 👤🏢 must provide a valid PAN card 🪪 for loan processing.
🔍 Identity Verification
Choose from these: Aadhaar 🏷️, Passport ✈️, Voter ID 🗳️, PAN 🪪, or Driving License 🚗.
📊 GST Returns
Submit GST returns from the past 12 months 📆 for verification 📑.
🏡 Address Proof Submission
Acceptable documents for address proof: Aadhaar 🏷️, Passport ✈️, Voter’s ID 🗳️, or Driving License 🚘.
📄 Financial Documentation
A 12-month bank statement 🏦 is necessary for review.
📜 Income Tax & Financial Records
Submit recent Income Tax Returns 📑 and financial statements 📊 for the past 2️⃣ years, certified by a CA ✅ or audited 🔍.
🏢 Business Verification
Provide documents like ITR 📄, Trade License 🏪, Establishment Certificate 🏛️, or Sales Tax Certificate to prove business continuity.
📂 Required Supporting Documents
Include essential paperwork like Sole Proprietor Declaration ✍️, Partnership Deed 🤝, Memorandum & Articles of Association 📑, Board Resolution 🏦, and MSME & GST Registration 🏷️.

Document Required For Loan Against Property - Salaried

🪪 KYC Submission
All applicants 👤🏢 must provide a valid PAN card 🪪 Aadhar card mandatory document and present address proof
🔍 Payslip
Must provide with a last 6 months payslips.
📊Income Tax
Submit Form 16, TDS certificates 📆 for verification 📑.
🏡 Bank Statement
Submission of salary credited bank account statement for last 12 months
📄Property Documents
A Copy of set of property documents which is going to Mortgage

Interest Rate For Loan Against Property

At KFIS Strategic Loan Assistance, we help both self-employed & salaried individuals navigate the complexities of property-backed loans. With a clear understanding of the interest rate for loan against property for self-employed & salaried, our clients can make well-informed decisions, ensuring they choose the right loan structure for their financial situation.

  • Interest Rate: Starting at just 10% p.a.*
  • Starting at just 0.5%*, with processing charges and taxes.
  • Starting Loan Amount: ₹1 Crore, with increased loan amounts as per business potential.
  • Your EMI begins at ₹999* per lakh.
  • Loan Term: Repayment Tenure with a maximum of 15 years
  • Stamp duty varies depending on state laws.

(*Terms and conditions apply.)

Steps for Loan Eligibility Check

Check Your Loan Eligibility Now

Click here

Loan Against Property Servicing Industry

  • Professional Doctors
  • Clinics & hospitals
  • Engineers, Architects, Chartered Acc
  • Manufactures
  • Factory & Industries
  • Traders in All Sectors
  • Suppliers
  • Distributors & Dealers
  • Wholesalers & Retailers
  • Real Estate Project ( Builders & Developers )
  • Government Contractors
  • Super markets
  • Showrooms
  • Boutiques
  • Hotels & Restaurants
  • Pharmacy
  • Schools & Colleges ( Trusts / Societies )
  • Business Consultants
  • Supply Chain & Logistics
  • Transport contractors
  • Information Technology (IT companies)
  • Etc...

Loan Against Property: A Smart Way to Access Funds

A Loan Against Property is an excellent way to secure funds without having to part with your valuable asset. KFIS Strategic Finance Services provides this loan option, allowing you to access significant amounts of money by leveraging the value of your property. It’s a flexible and secure way to meet your financial needs.

When you choose a Loan Against Property with KFIS Strategic Finance Services, you benefit from competitive interest rates and easy repayment terms. This loan allows you to retain ownership of your property while enjoying the liquidity you need for various purposes.

KFIS Strategic Finance Services offers personalized guidance throughout the application process, ensuring you make informed decisions. A Loan Against Property can be a strategic solution to manage large expenses efficiently.

loan against property
mortgage loans

How to Get Approved for a Mortgage Loan Quickly

If you’re wondering how to get approved for a mortgage loan quickly, the key is to be prepared. KFIS Professional Finance Services can help streamline your approval process. Start by ensuring your credit score is in good shape, as this plays a major role in the decision-making process for mortgage lenders.

Next, gather all essential documents, such as proof of income, tax returns, and identification. Having these ready in advance can speed up the approval process for your mortgage loan. The quicker you submit your documents, the faster the decision.

By partnering with KFIS Professional Finance Services, you can enjoy expert guidance throughout the application. With their support, you’ll increase your chances of getting approved for a mortgage loan quickly and efficiently, bringing you closer to homeownership.

How to Choose the Best Home Loan for Your Dream Home

Choosing the right home loan is crucial to securing your dream home. How to choose the best home loan for your dream home involves evaluating factors such as interest rates, loan terms, and eligibility requirements. KFIS Financial Assistance simplifies this process by providing tailored advice based on your financial situation.

Before applying, assess your credit score, income, and debt-to-income ratio. This will help you determine the best loan option. KFIS Financial Assistance ensures you understand the full terms and conditions, allowing you to make a well-informed decision that aligns with your goals.

With KFIS Financial Assistance by your side, you can confidently select the ideal home loan for your dream home, making the path to homeownership clear and achievable.

apply loan against property

How to Apply for a Loan Against Property in 6 Easy Steps

Step 01

📋 Eligibility Check

Step 02

📝 Document Preparation

Step 03

💻 Application Submission

Step 04

📂 Document Verification

Step 05

✅ Loan Approval & Offer Review

Step 06

₹ Fund Disbursement

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Frequently Asked Question

What is a Loan Against Property (LAP)?

A Loan Against Property (LAP) is a secured loan offered by banks or financial institutions, where you pledge your property (residential or commercial) as collateral. KFIS Financial Strategy Solutions helps you get the best terms and rates, ensuring a smooth and hassle-free loan process.

What are the benefits of taking a Loan Against Property?

A LAP offers lower interest rates compared to unsecured loans, longer repayment tenures, and the ability to avail funds against a property. KFIS Financial Strategy Solutions helps you understand all the advantages for your specific financial needs.

What is the loan-to-value (LTV) ratio for a LAP?

The Loan-to-Value ratio (LTV) determines how much you can borrow against the value of your property. Typically, the LTV for a Loan Against Property is between 50% and 90%. KFIS Financial Strategy Solutions works to ensure you get the maximum LTV based on your property.

Can I Apply for a Home Loan Online?

Ofcourse, KFIS Strategic Funding Solutions offers a streamlined online application process. You can apply for a home loan, and can be utilize of purchase, resale, construction of new building or renovation. Balance Transfer from existing bank and Top Up loan is also possible. 

How Can I Qualify for a Loan Against Property Without Income Proof?

To qualify for a Loan Against Property without income proof, the key requirement is the value of the property. KFIS Growth Finance Solutions evaluates the market value of your property, your credit history, and other factors to determine your eligibility for the loan.

What Types of Properties Can Be Used for a Loan Against Property?

You can use residential, commercial, or industrial properties as collateral for a loan. KFIS Growth Finance Solutions accepts a wide range of property types, provided they meet our valuation criteria. Our experts guide you through the process of securing the best loan offer based on your property.

District We Serve

  • Ariyalur
  • Chengalpattu
  • Chennai
  • Coimbatore
  • Cuddalore
  • Dharmapuri
  • Dindigul
  • Erode
  • Kallakurichi
  • Kancheepuram
  • Karur
  • Krishnagiri
  • Madurai
  • Mayiladuthurai
  • Nagapattinam
  • Kanniyakumari
  • Namakkal
  • Perambalur
  • Pudukottai
  • Ramanathapuram
  • Ranipet
  • Salem
  • Sivagangai
  • Tenkasi
  • Thanjavur
  • Theni
  • Thiruvallur
  • Thiruvarur
  • Thoothukudi
  • Trichirappalli
  • Thirunelveli
  • Tirupathur
  • Tiruppur
  • Tiruvannamalai
  • Nilgiris
  • Vellore
  • Viluppuram
  • Virudhunagar
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