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Anand Rathi Loan Against Property
Uncover the potential of your assets and get approved for a loan! Quick, adaptable, and safe! Anand Rathi Global is proud to lead the way in giving credit to individuals, MSMEs, and the real estate industry. All of these are essential to a nation's economic development. These businesses are now able to expand in their respective industries because of easy access to loans. Thus, Anand Rathi is helping to boost the economy as a whole. Anand Rathi is to provide every one of its clients with prompt, top-notch service. As the motto of Anand Rathi's business, pleasing clients has led them to develop robust processes that guarantee accurate and timely delivery. Anand Rathi promises to expand together with its clientele.Powered By
Anand Rathi Loan Against Property
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Here are a few factors
| Location | Delhi NCR |
| CIBIL Score | 650+ but No any boundation in cibil if have justification |
| Applicant | Any Salaried or Self Employed Person |
| Applicant Age | Salaried-24 Year-60 Year, Self Employed-24 Year-70 Year |
| Loan Amount & Tenure | 20
lac-3 Cr (5 year to 15 year) |
| Login Fees | 5900+ |
| Rate of Interest & Type | 12% to 13% (Reducing) |
| TAT | Santion-7
days Disbursement- within 2 days after submission of complete documents |
| Processing Fees | 1.50% |
| Foreclosure Charges | Not decided |
| Insurance | 1%-3% |
| Minimum Business Vintage | 3 Year for Self Employed Person |
| Lock In Period | 12 month |
| Part Payment Allowed | Yes, after 12 month |
| LTV | SORP 70% , SOCP 65% , Mix Usage Property 60% Commercial Rental 60% , Commecial Vacant 45% Residential Rental 65% , Residential Vacant 55% Industrial Self Used 50%, Industrial Property but Commercial Used Self 50% |
| Product | Commercial Purchase, Fresh LAP, Auction Purchase, BT+ Top up, Industrial Purchase |
| Program | Vanilla Income Program 4.50 cr, Gross Receipts Program 2.5 cr, Banking Program 2.5 Cr, LRD Program 4.50 Cr, LOW LTV Program 1.5 Cr, Liquid Income Program 1.25 Cr, Gross Profit Program 3cr, Mortgage BT plus top up Program EMi 2-18 months clear emi. Rental-3 Cr(50% of Rental), LIP Program-1.25 Cr, Low LTV-1.50 Cr |
| FOIR | Salaried:<1lac-50%, >1 lac-60%, Self Employed-100% of income |
| Cautious Profile | Person residing in Dominated Area |
| Negative Profile | Police, Politician |
| Funded Property | (i) Residential (ii) Commercial (iii) Industrial (iv) Plot |
| Negative Property | School, Leasehold Property without PTM, Property in Demolition list |
| Accepted Collateral | Other than Negative Property |
| Minimum Job Experience for Salaried Person | 2 Year |
| Experience with Current Employer | 3 Month |
| Any Specific Product for Professionals | No |
| USP | (i) Auction Purchase doing (ii) BT of Loan having DPD's |
| Additional | (i)
Lal Dora up to 50 Lac (ii) Seller BT doing even if Seller is NPA (iii) Multi tanented Unit also doing |
Required Documents to Apply for Anand Rathi Loan Against Property
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
About Anand Rathi Loan Against Property
Anand Rathi, a widely recognized financial services company in India, provides a variety of offerings, including loans against property (LAP). With an Anand Rathi Loan Against Property, You may realize the potential of your property and accomplish your objectives.
A loan against property has a number of significant benefits. First of all, it enables you to obtain an adequate loan amount by tapping into the value of your property without having to sell it. Due to the property being used as collateral, the interest rates are often lower than those for unsecured loans, making them more affordable. The variable repayment options allow for longer durations, which lessens the stress of monthly payments.
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
FREQUENTLY ASKED QUESTIONS
A Loan Against Property (LAP) is a type of secured loan that enables you to take out money using your home or commercial property as security.
Your property's value—typically a percentage of its market value—determines the loan amount. Between lenders, it differs.
The loan amount can be used for a variety of things, such as business growth, educational costs, medical requirements, repayment of debts, or home improvements.
Depending on your ability to pay, the payback period can often be anywhere between 5 and 20 years.
LAP interest rates are often lower than unsecured loans; however, they might change depending on your credit score, the value of your property, and the lending institution's requirements.
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