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Aditya Birla Finance Loan against property (SME Mid segment)
The Loans Against Property program is offered by Aditya Birla Housing Finance to allow borrowers to liquidate their personal property without having to sell it. According to the property's valuation and the specified documentation, the required funds are raised quickly. This loan aids the borrower in getting through financial difficulty.Powered By
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Aditya Birla Finance Loan against property (SME Mid segment)
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Here are a few factors
| Location | 90Km from Branch |
| CIBIL Score | 650+ |
| Applicant | Any Self Employed |
| Applicant Age | 21 Year to 70 Year |
| Loan Amount & Tenure | 5Cr-
100 Cr ( 1 Year to 10 Year) |
| Login Fees | Nil |
| Rate of Interest & Type | 11.50%-14% (Reducing) |
| TAT | 15 days |
| Processing Fees | 1% |
| Foreclosure Charges | Nil after 1 year |
| Insurance | As per Age |
| Minimum Business Vintage | 3 Year |
| Lock In Period | 12 month |
| Part Payment Allowed | No |
| LTV | (i) Residential-95% (ii) Commercial-80% (iii) Industrial-75% (iv) Plot-70% |
| Product | (i)
Fresh Loan (ii) BT+Topup (iii) Commercial or Industrial Purchase (iv) Lease
Rental Discounting (v) DOD Product |
| Program | (i) Income Program-50 Cr (ii) Lease Rental Discounting-50 Cr |
| FOIR | FOIR on EBIDTA Basis for Higher LTV |
| Cautious Profile | No Cautious Profile |
| Negative Profile | (i) Politian (ii) GYM (iii) Share Traders (iv) NBFC |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property
(iv)Plot (v) Auction Property (if auction before 3 year) (vi) Farm House (vii) Warehouse (viii)Regularized Colony (ix) Unapproved Freehold Property (x) Hotel & Restaurant (xi) School (xii) Hospital & Nursing Home |
| Negative Property | (i)
Lease hold Property without PTM (ii)Stand Alone Basement (iii) Lal Dora
Property (iv) Unapproved 3rd Floor & above (v) Legal & Technical not clear (vi) PG Property (vii) Multi Tenanted Unit |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | No |
| Any Specific Product for Professionals | NA |
| USP | (i) LTV upto 95% (ii) Funding to HUF & Trust also |
Required Documents to Apply for Aditya Birla Finance Loan against property (SME Mid segment)
Salaried income documents
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KYC of applicant & Co-Applicant
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Last 3 Month Salary Slip of Applicant
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Last 12 month Bank Statement of applicant & co-applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 2 Year Form 16 of applicant
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26AS of last 2 year of applicant & co-applicant
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Appointment letter of applicant if available
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Latest utility Bill if owned residence or rent agreement if rented
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2 Reference with contact details
Self Employed person documents
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
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
- 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
3. If applicant is professional, then his professional degree is required
FREQUENTLY ASKED QUESTIONS
Is there any specific age criteria to apply for Aditya Birla Finance Loan Against Property?
Yes, the applicant’s age should be between 21 to 70 years.
Will there be any Login fee associated with this loan?
No, there are no login fees.
How much CIBIL Score is required to apply for Aditya Birla Finance Loan Against Property (SME Mid Segment)?
You should have your CIBIL Score of at least 650+.
Is there any specific product for professionals?
No, there are no specific products for professionals.
How much duration will Aditya Birla offer me to repay my loan?
Aditya Birla will offer you upto 10 years to repay your borrowed amount.
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