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Godrej Capital Loan Against Property
You can use a Godrej Capital Loan Against Property to meet all of your demands. Whatever the purpose is, you need it for house renovations, company startup costs, paying for medical bills, or even taking a long trip.Powered By
Godrej Capital Loan Against Property
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Here are a few factors
| Location | 65Km from Branch |
| CIBIL Score | 650+ |
| Applicant | Any Salaried & Self Employed |
| Applicant Age | (i) Salaried: 21 year to 65 Year (ii) Self Employed: 21 Year to 70 Year |
| Loan Amount & Tenure | 50
Lac- 35 Cr ( 3 Year to 25 Year) |
| Login Fees | 5900 |
| Rate of Interest & Type | 9.75%-14% (Reducing) |
| TAT | 5 days |
| Processing Fees | 1% |
| Foreclosure Charges | Upto 4% |
| Insurance | As per Age |
| Minimum Business Vintage | 3 Year |
| Lock In Period | 12 month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-85% (ii) Commercial-80% (iii) Industrial-65% (iv) if residential property is rented/vacant then LTV will be 5% lower (v) If Commercial Property Puchase/vacant/rented then LTV will be 5% lower |
| Product | (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Seller BT |
| Program | (i)
Banking Program-10 Cr (ii) Income Program-15 Cr (iii) Gross Margin Program-7
Cr (iv)LIP Program-2.50 Cr (v)Pure Rental Program-5 Cr (vi) DOD Product-15 Cr (vii) Lease Rental Discounting-35 Cr |
| FOIR | (i)
Salaried:<50k-60%,50K-1 Lac-65%, >1 lac-70% (ii) Self Employed-200% of
Cash Profit if Loan required< 4Cr else 85% of Gross Profit |
| Cautious Profile | Liquor Seller |
| Negative Profile | (i)
Politian (ii) GYM (iii) Share Traders (iv) NBFC (v) Police (vi) Liquor Seller
(vii)DSA (viii) Advocate (ix) Jewellers (x) Applicant living in dominated area (xi) Builder |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property
(iv) Mall & Commercial Complex Property (v) Approved Plot |
| Negative Property | (i) School (ii) Hospital (iii) Hotel (iv) Unapproved Plot (iv) Lease hold Property without PTM (iv)Stand Alone Basement (v) Auction Property (vi) Demolition List Property (vii) Lal Dora Property (viii) Godown (ix) Khasra & Khatauni Property (x) Subject to Sale Deed Property (xi) GPA Property (xii) Gift Deed Property (xiii) Single Sale Deed Property (xiv) Banquet Hall (xv)Without MAP Property (xvi) Unapproved Freehold Property (xvii) Legal & technical not clear(xviii) Stone Slab Property (xix) Farm House |
| Accepted Collateral | Other than Negative Property-Only Approved Property |
| Specific Property wise Funding Limit | No |
| Any Specific Product for Professionals | Yes, 150% of Gross Receipt |
| USP | (i)
Loan Tenure upto 25 Year (ii) 200% FOIR upto 5 Cr loan (iii) Higher LTV upto
85% upto 4 Cr Loan (iv) LRD without Rent Escrow upto 5 Cr on 11 month agreement |
| Additional | (i)
Multi Tananetd Unit will be funded upto 20 Tanent (ii) Demolition List property is fundable if name in demolition part>10 year old (iii) Regularized Area & Sub-divided Property doing (iv) Third Floor doing if Property age <10 year |
Required Documents to Apply for Godrej Capital 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 Godrej Capital Loan Against Property
Welcome to a world where your goals aren't simply your imagination anymore; they're also achievable. Godrej Capital Loan Against Property provides you with a route to turning the potential of your property into real opportunities. Godrej Capital is here to equip you with the tools you need to realize your aspirations as a reliable partner in your financial journey.
Godrej Capital offers you a Loan Against Property option that combines reasonable interest rates, flexible terms, and an easy application procedure. Godrej Capital has a history of innovation and trust.
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
With a loan against property, whether commercial or residential, you may borrow money based on the value of the property you own.
The money borrowed through a loan against property may be utilized for a number of things, such as paying for debt consolidation, company development, educational fees, and other costs.
The value of the asset being used as collateral and the applicant's ability to repay the loan is often used to decide on the loan amount.
Businesses and residential properties may often be used as collateral for loans against property. However, the exact requirements for eligibility might change based on the lending institution.
Compared to other forms of loans, loans Against Property often have longer payback terms, frequently between 5 and 20 years.
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