Loan Against Property

Turn your property into a valuable asset and unlock its hidden potential with our flexible loan against property solutions that fuel your ambitions.

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Loan Against Property & Private Finance Provider in Delhi, Noida & Sonipat

Welcome to KG Loan Expert, your trusted partner for unlocking the hidden value of your property. We understand that your property is more than just a possession; it's a valuable asset that can help you achieve your financial goals. As a leading Loan Against Property company, we are committed to providing you with tailored solutions that allow you to leverage the equity in your property for various needs, whether it's expanding your business, funding education, or consolidating debts.

We offer a range of Loan Against Property options designed to meet your unique requirements. Whether it's a residential, commercial, or industrial property, our expert team will assess its value and provide you with a loan amount that aligns with your needs. With competitive interest rates, flexible repayment terms, and a hassle-free application process, we ensure that accessing the equity in your property is a seamless and convenient experience. Our dedicated loan officers are ready to guide you through every step, ensuring a quick and efficient approval process.

What are the documents required for Loan Against Property?

Application form with photograph duly signed
Valid Passport(Optional)
Voter ID Card
Aadhaar Card
PAN card
Valid Driving License
Salary Slips, Bank Statement and Form 16 as an Income Proof.
IT Returns and financial statements for the last 3 years.
Processing fee cheque
Last six-month bank statements
Informal income documents
Copy of Allotment letter/Seller's Agreement
Receipt/s of payment made to builder/ developer

We finance properties in Delhi district as well as in panchayats nearby to the city. We shall get you the benefit of PMAY if you are eligible. KG Loan has amazing offers for rural housing with great penetration in its segment. We are specialized in providing home loans to un-served, unreached and under-served market. We offer the most competitive pricing and easy repayment plans to of borrowers seeking home loans in Delhi.

Frequently Asked Questions

Can I avail a Loan Against Property for any type of property?

Yes, we offer Loan Against Property options for various types of properties, including residential, commercial, and industrial properties. Whether you own a house, office space, or a plot of land, you can leverage its value to secure a loan and meet your financial needs.

How is the loan amount determined for a Loan Against Property?

The loan amount for a Loan Against Property is determined based on factors such as the market value of the property, the location, condition, and legal aspects. Our expert team conducts a thorough evaluation to assess the property’s worth and determines the loan amount that can be sanctioned based on a certain percentage of the property’s value.

What are the repayment options for a Loan Against Property?

We offer flexible repayment options for a Loan Against Property to suit your financial circumstances. You can choose from various repayment plans, including monthly instalments, structured EMIs, or even the option to prepay the loan partially or in full. Our loan officers will guide you through the available options and help you select the most suitable repayment plan.

Is it possible to transfer an existing Loan Against Property to your company?

Yes, it is possible to transfer an existing Loan Against Property to our company. We offer balance transfer facilities that allow you to transfer your loan from another financial institution to avail better interest rates, enhanced loan terms, or superior customer service. Our team will guide you through the seamless transfer process and ensure a smooth transition.

Loan Against Property in Delhi, Noida, Sonipat & Gurgaon

At KG Groups, we are aware that your property is more than simply a place you live; it’s a precious asset that you use to meet your financial objectives. We are the top loan against property provider in Delhi, offering effective loan-against-property (LAP) solutions to help you realise the full potential of your real estate holdings. You can access significant cash with our LAP for a variety of uses, including debt consolidation, company expansion, and kid education finance. Our goal is to provide you with the financial freedom you are entitled to.

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Get to Know Loan Against Property

You can obtain a secured loan, known as a Loan Against Property (LAP), by mortgaging your home or place of business. When compared to unsecured loans, KG Groups’ LAP provides you with a practical means of obtaining large amounts of money at reduced interest rates. Your property can be pledged as collateral, and the market value of the asset will be used to calculate the loan amount. You can achieve your financial objectives with our LAP without having to sell your house. When you are looking for a loan against property in Noida, Delhi, Sonipat or Gurgaon we have everything you are looking around.

Why Choose Us for the Loan Against Property from KG Groups?

1. Competitive Interest Rates

KG Groups, the top loan against property provider in Sonipat, ensures that you get a loan in reasonable conditions by providing competitive interest rates on LAP.

2. High Loan Amount

You will be able to obtain a sizable loan amount contingent on the market worth of your home. Our adjustable loan limitations are made to accommodate your unique requirements.

3. Easy Repayment Options

We recognise how important flexibility is. Because of this, we give individualised repayment choices, letting you select a term that works with your budget.

4. Fast Processing

We ensure that you get a loan promptly due to our faster application procedure. Our goal is to simplify the LAP application and approval procedure.

5. Multiple End-utilise Options

You can utilise our LAP for a range of financial requirements, including personal spending, company growth, education, and other purposes.

KG Groups is dedicated to offering a safe and easy borrowing experience for you. With our clear conditions, affordable interest rates, and customised solutions, we are the go-to option for loans secured by property. You can realise your property’s full potential and start along the path to reaching your financial goals with our LAP.

Readily Accessible at a Location Near You

KG Groups offers easy and convenient loan against Property services in Noida, Delhi, and Sonipat, regardless of where you live. We are dedicated to meeting your financial needs, and we will make sure that you can easily access the value of your property at these places. Because of our presence in these regions, you can rely on us to provide specialised solutions and top-notch customer service, ensuring that your experience with loans secured by property is genuinely easy and hassle-free.

Eligibility and Documentation

Applying for KG Groups’ loan against property private finance in Delhi requires that you fulfil specific requirements. You ought to have a steady source of income, such as a salary or self-employment. Documents proving identification, evidence of address, property, and documents pertaining to income are usually needed. Our committed team will assist you with the application process and make sure everything goes well.

With the Loan Against Property from KG Groups, discover your property’s hidden potential and use it as a source of income. To meet your unique demands, we provide flexible repayment plans, large loan amounts, and affordable interest rates. Our LAP is the key to realising your goals, whether they include growing your company, financing your child’s school, or improving your money management.

Contact us today and collaborate with KG Groups, the best loan against property provider in Delhi, now to take the first steps towards financial empowerment.

Banks	Interest Rates	Processing fees	Apply
HDFC	9.50% to 10.50%	Maximum of 1% of loan amount	Apply
Ing vysya	N.A	1%	Apply
SBI	10.35% - 11.05%	Flat Rs. 10,000/- plus applicable GST	Apply
ICICI Bank	9.75% - 10.90%	1.00 % + AT*	Apply
Axis Bank	9.90% - 10.35%	1% or Rs 10,000 (whichever is higher)	Apply
PNB HF	9.65% - 13.00%	N.A	Apply
IDBI Bank	10.20% - 11.70%	Up to 1% of the loan amount plus service tax as applicable	Apply
Central Bank	11.60 -11.65%	0.5 % of loan Amount subject to maximum of Rs.40,000.00	Apply
HSBC	9.30%	1% of the loan amount sanctioned or Rs. 10,000, whichever is higher	Apply
LIC HFL	9.10% - 10.95%	1.00% of Loan Amount + Service Tax, as applicable.	Apply
Reliance	13.50%	1%	Apply
Bank of India	11.10%	1% of sanctioned loan amount Min. Rs.5, 000/- and Max. Rs.50, 000/-.Plus S.T.	Apply
Tata capital	9.85%	NA	Apply
HDBFS	10.50%	1%	Apply
Uco bank	9.70% - 10.70%	Upto 1% of the loan amoun	Apply
Canara Bank	10.30% - 12.35%	1% of loan amount with a minimum of Rs.5000 and maximum of Rs. 50,000	Apply

Disclaimer:Please note that the interest rates given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated .Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.
Banks/ Financial Institutions can contact us at info@kgloanexpert.com for inclusions or updates.

Loan Against Property Mustread

Loan against Property refers to the secured loan category like home loan where the borrower gives a guarantee by using his property as a security. The right of ownership of the property is still with the borrower, and if he/she is unable to repay the loan amount, he/she can sell the property to pay off the debts.

Typically these loans are used to start or expand business or to renovate your house. But it can also be used to repay existing high rate loans.

The maximum loan amount varies from bank to bank. It could range from Rs.2 lacs up to Rs.100 lacs. The exact amount depends on your property valuation, income and of course repayment capacity.
The rate of interest is usually 6.5%+, but depending on one's profile and the Bank's criteria, it may vary.
The maximum loan amount can come upto 50% of property value for commercial setups and up to 60% for residential properties.
The maximum loan tenure is 15 years.
You require security, collateral or guarantors for obtaining a Loan Against Property.
Most banks do not accept properties that are on lease or that are based on power of attorney.
The maximum age limit of eligibility is 60 years.
You can choose either Fixed or Floating rate of interest. You also have an option of changing from Fixed to Floating interest rates and vice versa once every year.
A processing fee is usually 0.05% to 3% of the loan amount and is payable upfront. This fee however will be deducted from the disbursal amount payable to you. You should always ask for the 0% processing fee or negotiate the processing fees.
You pay your loan in EMIs through post-dated cheques or through ECS to debit your Bank account through ECS with the EMI amount.
You can also prepay the entire loan outstanding anytime after 180 days of availing the loan. Pre-payment charges will be levied accordingly. If you intend to do so, please ask for the pre-payment amount to be waived or a reduction in the penalty charges.
You can also increase or enhance your loan loan against property eligibility. For that you need to show income of atleast three persons, most preferably a family member or a business partner.

Also know these pointers before availing a LAP:

Decide on the basis of what you really need. Also see if the cost fits into your estimated budget.
Compare the quotations given and interest rates from 3-4 banks, select the one which offers maximum benefit and serves your purpose.
Also determine the tenure of the loan. The EMI may come less for longer tenure, but the total interest outgo will be higher.
Know all about processing fees and time. Some banks may waive the processing fee for processing loan but they build this cost on their interest rates.
Consider pre-payment options. All banks charges 2% - 3% of the loan in case you decide to pre-pay the outstanding amount.
Default in payments results in penalties. It can also adversely affect your credit history and profile. So make sure to make your payments on time.
Make sure that all deals and offers agreed upon are supported by relevant papers. So make sure you always ask for a letter in a banks letter-head mentioning the likes of, exact rate of interests, processing fees, pre-payment charges along with interest-schedule.
Also before signing the documents, make sure you recheck all terms and conditions.
Do not at any circumstance give any false information. This may amount to fraud and could land you in trouble.
Do not sign any blank documents. Even if it takes you a few hours to fill-up the form, please do so. Do not leave anything for the executive to fill-up.
Finally, once you have received a loan do your best to pay it back as quickly as possible. Banks make their money off the interest they charge and the sooner you pay back a loan the less money you will have to pay in interest.