🏠 Loan Against Property – Eligibility Criteria

A Loan Against Property (LAP) allows you to unlock the value of your residential or commercial property to meet personal or business needs. At LoanHiLoanWala, we help you check eligibility and get the best offers from banks and NBFCs.

✅ Who Can Apply

The following applicants are eligible to apply for a Loan Against Property, subject to lender policies:

👤 Salaried Individuals

• Age: 21 – 60 years

• Stable monthly income

• Minimum job continuity as per lender norms

• Valid PAN & Aadhaar

• Active bank account

• Acceptable credit score

🧑‍💼 Self-Employed / Business Owners

• Age: 21 – 65 years

• Minimum 1–2 years business vintage

• Consistent income or turnover

• Valid PAN & Aadhaar

• Business registration (if applicable)

• Bank statements reflecting regular transactions

🏢 Property Eligibility

• Residential or commercial property ownership

• Clear and marketable property title

• Property should be free from major legal disputes

• Property valuation as per lender norms

📄 Documents Required

• Identity & address proof

• Income proof / financial statements

• Bank statements

• Property ownership documents

• Property tax receipts (if applicable)

📌 General Conditions

• Loan amount depends on property value, income, and credit profile

• Interest rates vary by bank and borrower profile

• Lower credit score applicants may still be eligible with conditions

• Final approval is subject to bank or lender assessment

💡 Why Choose LoanHiLoanWala

• Multiple bank & NBFC options

• Competitive interest rates

• Transparent process

• Expert assistance from application to disbursal

👉 Check Your Eligibility Now

Our team will help you evaluate your eligibility and find the best Loan Against Property option tailored to your needs.

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