Loan Against Property: Realty Finserv

Loan Against Property

Loan against property is a secured loan that financial institutions provide against fully constructed, freehold residential and commercial properties.

Loan against property is a secured loan that financial institutions provide against fully constructed, freehold residential and commercial properties. A mortgage loan can be availed for Personal and Business Needs(other than for speculative purposes) like marriage, medical expenses and child's education etc. Existing Loan Against Property from other banks and financial institutions can also be transferred to Realty Finserv.

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We provide online instant cash loans with quick approval that suit your term

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We will customize a loan based on the amount of cash your company need term

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We will customize a loan based on the amount of cash your company need term

Frequently ask

Any loan against a residential or commercial property can be used for both personal and business purposes. In fact, you can use loan against property for anything other than speculative or non-prohibitive activities.

Basically, the bank looks at your repayment capacity. For calculating the loan amount, your income, age, qualifications, number of dependants, spouse’s income, assets, liabilities, stability and continuity of occupation and savings history are taken into consideration. However the eligibility of loan does not, generally, exceed 60 percent of the market value of the property.

You can include your spuse as a co-applicant and that results in a higher amount being lent. However, if the property is co-owned, all co-owners mandatorily need to be co-applicants.

Processing fee for loan against any property varies from bank to bank and is generally around 1 percent.