Loan against Property


Loan against Property is a secured loan. Loan provide against any residential and commercial build up property or plot. In this loan banks mortgage the property. Loan against Property is a good product in market. We can use this loan for marriage, sudden emergency and well deserved holiday with family etc.  Swastik Investment provide best service in Chandigarh, Mohali, Panchkula and Kharar.


Loan against Property:-

The loan amount of LAP usually varies between 40% and 70% of your property’s market value. The exact loan amount can go up to several crore of rupees. Opt for LAP if you have a high-value property and the upper limit on other loan options is proving inadequate to meet your needs. Do not opt for LAP for small loan amounts as keeping your property as lien for a small loan amount does not make any sense.


Loan Term:-

The tenure of LAPs can go up to as high as 15 years, thereby giving it an edge over short-tenured loans like car loans or personal loans. Longer loan tenure translates into lower EMIs, which in turn increases your EMI affordability.

Interest Rate:-

Usually, the rate of interest can range anywhere between 10-14%.

Financial Documents:-

  • Three months Salary Slips (Salaried) / 3 years complete financials (Self Employed)
  • Latest two years Form-16 (Salaried)
  • Latest six months updated bank statement of Salary account (Salaried) / Current account (Self Employed)
  • Pan Card
  • Current address and Permanent address proof
  • Two photographs of applicant and co-applicant
  • Business Profile (Self Employed)
  • Loan track if any running loan
  • Processing fee Cheque from Salary account / Current account
  • Agreement Copy

In Seller Property Papers:-

  • Sale Deed
  • Latest 13 Years Mutation
  • Latest NEC
  • Approved Map from competent authority


  • Agreement
  • Allotment Letter
  • Permission to Mortgage
  • Tripartite Agreement
  • Receipts
  • Legal Scrutiny Report, EC for the past 13 years, Property Tax paid receipt, Khata and permission for mortgage, wherever necessary
  • Allotment letter of Co-operative Housing Society / Apartment Owners’ Association / Housing Board / NOC from the Society / Association / Builders / Housing Board
  • Detailed Cost Estimate / Valuation report from Bank’s Panel Chartered Engineer / Architect / Legal Report

Processing Fee

* Up to 1% + S.Tax depend on bank to bank.

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Loan against Property

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