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SMC Finance Loan against property
SMC Finance offers the financial services industry confidence. With competitive interest rates, open communication throughout the process, prompt distribution, and little paperwork you can get an easy loan. It's a simple way of helping you get one step closer to realizing your goals. You can utilize the money from the multipurpose loan however you see fit.Powered By
SMC Finance Loan against property
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Here are a few factors
| Location | 60km from Branch |
| CIBIL Score | 650+ |
| Applicant | Any Self Employed |
| Applicant Age | 18 Year to 65 Year |
| Loan Amount & Tenure | 10
Lac-500 Lac (5 Year to 15 Year) |
| Login Fees | Nil |
| Rate of Interest & Type | 11% to 18% (Reducing) |
| TAT | 4 Days |
| Processing Fees | 1.5% to 3% |
| Foreclosure Charges | Upto 4%+GST |
| Insurance | As per Age of Applicant |
| Minimum Business Vintage | 2 year |
| Lock In Period | 12 Month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-70% (ii) Commercial-60% (iii) Industrial-60% (iv) if residential property is rented/vacant then LTV will be 10% lower (v) If Commercial Property Puchase/vacant/rented then LTV will be 10% lower |
| Product | (i) Fresh LAP (ii) BT+Top UP (iii) Seller BT (iv) Commercial & Industrial Purchase |
| Program | (i)
LIP Program-3Cr (ii) Banking Program-5 Cr (iii) Income Program-5 Cr (iv) without ITR-1 Cr (v) GST Surrogate-5 Cr |
| FOIR | 90% of Cash Income |
| Cautious Profile | No |
| Negative Profile | (i)
Salaried Applicant (ii) Real Estate (iii) GYM (iv) Share Traders (v) NBFC
(vi) Liquor Seller (vii) Politician (viii) DSA Profile (ix) Applicant living in dominated area |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property (iv)
Current Sale Deed (v) Khasra Khatauni (vi) Multi Tanented Unit-Upto 10 Tanent(vii) Lal Dora (viii) Stone Slab Property (ix) Sub-divided Property (x) Godown & Warehouse (xi) Commercial Complex & Mall Shop (xii) Subject to Sale Deed Property |
| Negative Property | (i)
School (ii) Hotel, Restaurent & Marriage Hall (iii) PG Property (iv)
Lease hold Property without PTM (v) Demolition List Property (vi) Plot (vii) Hospital |
| Accepted Collateral | Other than Negative List |
| Specific Property wise Funding Limit | (i)
Lal Dora-3 Cr (ii) Stone Slab Property-3 Cr (LTV max 50%) (iii) Sub-divided Property-3 Cr (iv) Single Sale Deed-3Cr |
| Any Specific Product for Professionals | No |
| USP | Without Financial upto 1 Cr |
| Additional | DOD Product, LRD Product not available |
Required Documents to Apply for SMC Finance 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
FREQUENTLY ASKED QUESTIONS
How much CIBIL Score needed to apply for SMC Finance Loan Against Property?
You need at least 650+ CIBIL Score to be eligible for SMC Finance Loan Against Property.
Will SMC Finance charge me any login fee for my Loan against Property?
No, they will not charge any login fee.
What should be the applicant’s age for SMC Finance Loan Against Property?
The applicant’s age should be between 18-65 years.
What is the interest rate at SMC Finance for Loan against Property?
The interest charge here is 11 to 18 %.
Will SMC Finance allow part payment, if I take out a loan against my property?
No, SMC Finance will not allow part payment.
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