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Vastu Housing Loan Against Property
Vastu Housing Loan Against PropertyPowered By
Vastu Housing Loan Against Property
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Here are a few factors
| Location | DELHI NCR |
| CIBIL Score | 650+ |
| Applicant | Any Salaried & Self Employed |
| Applicant Age | 21 Year to 65 Year Both salaried and self employed |
| Loan Amount & Tenure | 5
Lac-100 Lac (5 Year to 20 Year) |
| Login Fees | 5900 |
| Rate of Interest & Type | 14% to 18% (Reducing) |
| TAT | 4 to 7 days |
| Processing Fees | 2%+GST |
| Foreclosure Charges | Up to 4%+GST |
| Insurance | 1%-4% |
| Minimum Business Vintage | 2 year |
| Lock In Period | 12 month |
| Part Payment Allowed | Yes |
| LTV | (i) Residential-80% (ii) commercial 50%-60% (iii) Industrial - Depend on case (iv) plot-60% |
| Product | (i) Fresh Loan (ii) BT+ Top up (iii) Commercial or Industrial Purchase (iv) DOD Product |
| Program | (i) LIP Program-1Cr (ii) Banking Program-1 Cr (iii) Income Program-1 Cr (iv) without ITR-40 Lac |
| FOIR | 60% of Cash Income |
| Cautious Profile | Applicant living in dominated Area |
| Negative Profile | (i) Real Estate (ii) GYM (iii) Share Traders (iv) NBFC (v) Liquor Seller (vi) Politician (vii) Police |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Subject to Gift Deed (iv)
Current Sale Deed (v) Khasra Khatauni (vi) Multi Tanented Unit (vii) Lal Dora (viii) Sub-divided Property (ix) Regularized Colony (x) Gram Panchayat Property (xi) Bacha Flat (xiii) Registry to GPA after 2011(xiv) Technical & Legal not clear |
| Negative Property | (i)
School (ii) Hospital (iii) Hotel (iv) Any type of Plot (v) Industrial
Property (v) Lease hold Property without PTM (vi) Basement (vii) Auction Property (viii) Malls (ix) Go down (x) Demolition List Property |
| Accepted Collateral | without ITR-yes, Cash salary- yes, GST based-yes |
| Specific Property wise Funding Limit | No |
| Any Specific Product for Professionals | Yes, Rate is low for CA & Doctors |
| USP | Funding on all type of property |
Required Documents to Apply for Vastu Housing 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 is Vistaar Finance Loan Against Property (LAP)?
Vistaar Finance LAP is a financial solution that provides funding to salaried and self-employed individuals against property, enabling them to meet business expansion, machinery purchase, inventory growth, or personal financial needs.
What is the loan amount and tenure offered under Vistaar Finance LAP?
Vistaar Finance offers loans ranging from ₹5 Lakhs to ₹50 Lakhs, with a tenure of 5 to 15 years.
What is the interest rate for Vistaar Finance LAP?
The interest rate starts at 13% and goes up to 21% on a reducing balance basis.
Who is eligible to apply for Vistaar Finance LAP?
- Salaried: 21 to 65 years
- Self-employed: 25 to 70 years
What is the Loan-to-Value (LTV) ratio for Vistaar Finance LAP?
The LTV ratios are as follows:
- Residential Property: 70%
- Commercial Property: 60%
- Industrial Property: 55%
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