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Bandhan Bank Loan Against Property
When in doubt, switch to your property for the best financial support. With Bandhan Bank Loan Against Property, you can easily process a Loan against your property with affordable interest rates and flexible repayment tenures.Powered By
Bandhan Bank Loan Against Property
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Here are a few factors
| Location | 50 km from the Branch |
| CIBIL Score | 650+ |
| Applicant | Self-employed Only |
| Applicant Age | 21 - 70 Year |
| Loan Amount | Rs. 25 Lacs - 10 Cr. |
| Loan Tenure | 1 - 15 Years |
| ROI | 9.50% -10.50% |
| Type of Interest | Reducing |
| TAT | 7 days |
| Processing Charges | 1%+GST |
| Foreclosure Charges | 1-4% |
| Minimum Business Vintage | 3 Years |
Part-payment allowance | 25% after 12 months |
| LTV | (i) Residential-80% (ii) Commercial-75% (iii) Industrial-65% (iv) Approved Residential Plot-50% (v) Approved Commercial Plot-40% |
| FOIR | Self-Employed: 90% of Income |
| Negative Profile Property | (i) Demolition List Property (ii) Property in Dominated Area (iii) Leasehold Property without PTM(iv) School (v) Hospital (vii) Stand Alone Basement (viii) Hospital & Nursing Home (ix) School & College (x) Industrial Plot (xi) Lal Dora Property (xii) Unapproved 4th Floor & above (xiii) Bachha Flat (xiv) HUF & NGO Property (xv) Subject to Sale Deed (xvi) GPA Property |
Bandhan Bank Loan Against Property
Bandhan Bank offers Loan Against Property (LAP) for individuals with self-occupied residential properties. You can borrow up to 80% of the property's value for various needs like education, marriage, or medical expenses. The loan tenure can be up to 15 years, and interest rates start from 9.50% p.a., depending on your credit score. To learn more, you can contact Bandhan Bank directly.
Required Eligibility Bandhan Bank LAP
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The age of the applicant must be 21 - 70 years if salaried
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The minimum business vintage of the applicant must be 3 years
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Only Self-employed individuals both can apply
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Business entity should have a satisfactory track record with cash profit for the last 2 years
Required Documents for Bandhan Bank LAP
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Duly filled application form
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KYC documents
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Financial statement of last 2 years
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Trade licence or any other regulatory licence applicable to the unit.
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Statement of existing Bank account for last 12 months
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Ownership documents of security
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Copy of Partnership deed/ Copy of MOA & AOA or other related documents in case of company/partnership firm
FREQUENTLY ASKED QUESTIONS
No, only self-employed people can apply for Bandhan Bank Loan Against Property.
The starting ROI of Bandhan Bank Loan Against Property is 9.50% p.a. Onwards.
The minimum required CIBIL to apply for Bandhan Loan Against PropertyIs 650+.
The processing fees of Bandhan Bank Loan Against Property is 1%+GST.
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