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Tata Capital Loan Against Property
Taking out a loan secured by property from Tata Capital assists you in realizing the full potential of your property. A Tata loan against property lets you achieve your goals, whether they are business expansion or funding for severe personal expenses. Pick from a variety of alternatives to a loan against property agreements. Meet all of your needs with the minimum documentation and the fastest approval!Powered By
Tata Capital Loan Against Property
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Here are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 600+ |
| 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 | 30
Lac- 5 Cr ( 5 Year to 15 Year) |
| Login Fees | 5900 |
| Rate of Interest & Type | 9.50%-14% (Reducing) |
| TAT | 5 days |
| Processing Fees | 1%-1.50% |
| Foreclosure Charges | Upto 4% |
| 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-55% (iv) Plot-50% (v) if residential property is rented/vacant then LTV will be 5% lower (vi) If Commercial/Industrial Property Puchase/vacant/rented then LTV will be 5% lower |
| Product | (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Lease Rental Discounting |
| Program | (i)
Banking Program-4 Cr (ii) GST Product-5 Cr (iii) Income Program-5 CR (iv) Lease Rental Discounting-5 Cr (v) Low LTV-1 Cr (vi) RTR Program-3 Cr (18 Month Track) (vii) LIP Program-2 Cr |
| FOIR | (i) Salaried:<50k-60%,50K-1 Lac-65%, >1 lac-70% (ii) Self Employed-90% of Cash Profit |
| Cautious Profile | (i)Advocate (ii) NBFC |
| Negative Profile | (i) Politician (ii) Share Traders (iii) Police(iv) DSA (v) Applicant living in dominated area (vi) Real Estate |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property
(iv) Mall & Commercial Complex Property (v) Plot (vi) Godown & warehouse (vii) Lal Dora (viii) Khasra & Khatauni (ix) Single Sale Deed (x) Stone Slab property (xi)Gift Deed & Subject to Gift Deed (xii) Subject to Sale Deed (xiii) Resi Cum Nursing Home (xiv) Auction Property before 3year |
| Negative Property | (i)
Lease hold Property without PTM (ii)Stand Alone Basement (iii) Demolition
List Property (iv) PG Property (v) GPA Property (vi) Unapproved Freehold Property (vii) Unapproved Farm House |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | (i)
Lal Dora-45 Lac (ii) Single Sale Deed Property-45 Lac (iii) Legal &
Technical not Clear-45 Lac (iv) 1 year old Sale Deed from GPA after 2011-45 Lac |
| Any Specific Product for Professionals | No |
| USP | Upto 4 Cr No financial Required |
| Additional | (i) DOD Product not Doing (ii) If Property in demolition list then on Plot Value loan is doing |
Required Documents to Apply for Tata 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
FREQUENTLY ASKED QUESTIONS
What advantages does a loan secured by property offer?
By taking out loans against a residential or commercial property, a person can obtain quick access to capital. One may use the money for any personal expenses or to grow their business.
What kind of property will be taken as collateral for the loan?
Self-occupied dwellings, commercial property (stores, offices, etc.), or alternative property (residential plots, educational institutions, industrial property, hotels, etc.) will all be taken into consideration.
Will a loan against property be granted for a jointly held property?
Yes. The other property owners are required to take out the loan as co-borrowers.
Will there be a refund of the processing charges?
No, the processing charge will not be returned.
How long is the maximum loan repayment period permitted?
The loan can be repaid over a maximum of 180 months.
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