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Loan Against Property in Delhi NCR

Raise a larger amount than an unsecured loan, usually at a lower rate, by offering a property you own as security — while you keep living in it or using it.

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Serving Delhi NCR — Delhi & Gurugram · Associated with 25 banks & NBFCs · A minimal service fee, agreed before we start

Loan Against Property for Delhi NCR property owners

Property across Delhi and Gurugram comes with different questions. In Delhi, lenders strongly prefer freehold property; leasehold property — including many older DDA properties — usually needs conversion to freehold or the lessor's permission to mortgage, and only a few lenders accept unauthorised colonies or Lal Dora areas. In Gurugram, society flats, builder floors and HSVP (formerly HUDA) plots are common, and the sanctioned plan and occupancy or completion certificate often decide how much a lender will accept.

We compare the lenders that fit your profile, tell you the exact documents before you collect anything, file the application and follow it up with the lender until disbursal.

What lenders check on Delhi NCR property

  • Delhi — freehold vs leasehold: leasehold may need conversion or a mortgage NOC
  • Delhi — DDA flats and plots: conveyance deed or lease documents and any permissions
  • Delhi — unauthorised colonies and Lal Dora areas: only some lenders accept them
  • Gurugram — builder floors: lenders check the floor matches the sanctioned plan
  • Gurugram — HSVP plots and houses: allotment, conveyance deed and transfer permissions
  • Gurugram — society flats: the builder's occupancy certificate and society NOC where needed
  • Everywhere: a complete chain of title documents and the latest property tax receipt

Options

Residential property

Your house or flat, self-occupied or let out.

Commercial property

A shop, office or other commercial premises.

Balance transfer & top-up

Move an existing loan against property to another lender, often with additional funds.

Documents you will need

The starting list. Your lender may ask for more depending on your profile.

  • PAN card
  • Aadhaar
  • Photograph
  • Salary slips (3 months)
  • Bank statement (6 months)
  • Form 16 / ITR
  • Property papers (title chain)
  • Valuation report
  • Encumbrance certificate
  • For self-employed: ITR (2 years) and business proof

More detail: Loan Against Property

Loan Against Property in Delhi NCR — talk to us

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