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Singularity CreditWorld Loan Against Property

Unlock the true value of your property with Singularity CreditWorld LAP and fulfil your dreams.

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Singularity CreditWorld Loan Against Property

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Location	PAN INDIA
CIBIL Score	700+
Applicant Type	Salaried and Self-employed
Applicant Age	Salaried - 23-58 Years. Self-employed - 21-70 Years
Minimum Income Requirement	Salaried Primary App -Rs.50,000 Household–Rs.100,000 & Above SENP/ SEP PBT of Rs5.00 lacs in latest FY with Audited / Unaudited financials
Loan Amount & Tenure	Upto -150 Lacs (3-5 Years)
Rate of Interest (Type)	7.50% - 9% (Flat)
Processing Fees	2% plus taxes
Login Fee	Salaried – Rs.3000 plus taxes SENP/ SEP – Rs.5000 plus taxes
LTV	Upto 80%
Co-Applicant Needed	Yes
Employment/ Business Vintage	Salaried – 2 years SEP/ SENP – 3yrs Business Continuity
FOIR	Bank Salaried – Upto 60% Cash Salaried –Upto 50% Assessed Income– Upto 50% ITR Based – Upto 100% Gross Receipt –Upto 80% Banking Programme –50% In case of Non-MC properties FOIR for ITR based is upto 60%

About Singularity CreditWorld Loan Against Property

Singularity CreditWorld provides personalized Loan Against Property options that let you realize the full value of your assets. Whether for personal reasons, business growth, or financial necessities, Singularity CreditWorld provides low interest rates and flexible payback alternatives. They provide a hassle-free service with a streamlined approval procedure and transparent policies. At Singularity CreditWorld, your property is the passport to achieving financial freedom.

Right Documents - Easy Process

Required Documents to Apply for Singularity CreditWorld Housing Loan against property

For Salaried Applicants

Proof of Identification
Proof of Residency
Proof of age
Proof of income (if you are a salaried applicant)
proof of property (if you have selected a property)
If relevant, information about your current loan.
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

For Self-employed Applicants

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
ITR Filing with Sign
CA Signed and sealed Profit and Loss Balance Sheet.
Property Paper with complete chain of last 13 years
PLOD (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 letterhead
List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP