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Incred Loan Against Property
Incred Finance is the place to go if you're looking for a fast loan secured by property. You will have a simple amount disbursement and a hassle-free application process! LAP is available from Incred Finance at a 13–17% interest rate. Incred offers simple loan approval, digital account management, and a loan that is tailored to your needs.Powered By
Incred Loan Against Property
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Here are a few factors
| Location | 70km from Branch |
| CIBIL Score | 650+ |
| Applicant | Any Salaried, Self Employed & Pure Rental |
| Applicant Age | 21 Year to 65 Year |
| Loan Amount & Tenure | 5
Lac-150 Lac (5 Year to 15 Year) |
| Login Fees | Nil |
| Rate of Interest & Type | 13% to 17% (Reducing) |
| TAT | 4 Days |
| Processing Fees | 1.5% to 2% |
| Foreclosure Charges | Upto 4%+GST |
| Insurance | As per Age of Applicant |
| Minimum Business Vintage | 3 year |
| Lock In Period | 12 Month |
| Part Payment Allowed | No |
| LTV | (i) Residential Property-70% (ii) Commercial Property-70% |
| Product | (i) Fresh LAP (ii) BT+Top UP (iii) Seller BT |
| Program | (i) LIP Program-50 Lac (ii) Banking Program-1 Cr (iii) Income Program-1.50 Cr (iv) Low LTV-50 Lac |
| FOIR | 80% of Cash Income |
| Cautious Profile | Real Estate |
| Negative Profile | Politician |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Subject to Sale Deed
(iv) Single Sale Deed (v) Khasra Khatauni (vi) Multi Tenanted Unit-Upto 5 Tanent (vii) Lal Dora (viii) Stone Slab Property (ix) Sub-divided Property (x) Basement (xi) Commercial Complex(xii) Auction Property |
| Negative Property | (i)
School (ii) Hospital (iii) Hotel (iv) Industrial Property (v) Plot (vi) Lease
hold Property without PTM (vii) Auction Property (viii) Malls (ix) Godown (x) Demolition List Property (xi) Warehouse & Godown |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | (i)
Lal Dora-75 Lac (ii) Stone Slab Property-75 Lac (iii) Sub-divided Property-75
Lac (iv) Single Sale Deed-75 Lac (v) Basement-75 Lac (vi) Khasra-Khatauni-75 Lac (vii) Subject to Sale Deed-75 Lac (viii) Gift Deed-75 Lac |
| Any Specific Product for Professionals | No |
| USP | Zero Login Fees |
Required Documents to Apply for Incred 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
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
Eligibility Criteria
Any salaried or self-employed person can apply for this loan.
The applicant’s age should be within 21-65 years.
The applicant should have 650+ CIBIL Score.
The applicant’s minimum business vintage should be of at least 3 years.
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
Yes, you will get a loan from InCred against Lal Dora property.
You should have your CIBIL score at least 650+.
You can get upto 70% of current market value of your property.
Yes, it should be within 70 km from the branch.
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