Yes, most lenders do not offer 100% financing for a loan against property. Typically, you can avail up to 60-75% of the property’s market value as a loan, depending on the lender’s policies and the property’s valuation. But we at Capstone with our expertise in Debt funding can get you 100-120% of the collateral value.

Yes, Income Tax Returns (ITRs) are often required as proof of income, especially for self-employed individuals or business owners. For salaried individuals, salary slips and bank statements may suffice. ITRs help lenders assess your financial stability and repayment capacity.

Yes, a good CIBIL score (usually 750 or above) is essential for a loan against property. It reflects your creditworthiness and repayment history. A high CIBIL score increases your chances of loan approval and may also help you secure better interest rates.

The eligibility criteria for a loan against property typically include:

• Age: 21 to 65 years (varies by lender).
• Income: Stable income source with repayment capacity.
• Property: Ownership of residential or commercial property with clear title.
• Credit Score: Good CIBIL score (750+).
• Employment: Salaried, self-employed, or business owners.
• Documentation: ID proof, address proof, income proof, property papers, and ITR (if applicable).

Yes, businesses and companies can avail of a loan against the property if they own the property being pledged. The company must meet the lender’s eligibility criteria, including financial stability, repayment capacity, and proper documentation (like balance sheets, profit & loss statements, and property papers).

The tenure for a loan against property typically ranges from 5 to 20 years, depending on the lender and your repayment capacity. Longer tenures result in lower EMIs but higher interest costs over time. Choose a tenure that balances affordability and total interest outflow.

Companies that should consider a loan against property include:

• Startups and SMEs: For business expansion, working capital, or purchasing equipment.
• Real Estate Developers: For funding new projects or land acquisition.
• Manufacturing Units: For upgrading machinery or infrastructure.
• Service-Based Companies: For office space expansion or operational expenses.
• Companies with High-Value Assets: To leverage owned property for better loan terms.