Property Loan – Unlock the Value of Your Property

Sometimes, life brings big opportunities or urgent financial needs — whether it’s expanding your business, funding your child’s education, handling medical expenses, or planning a special event. In such situations, Adani Finserve Property Loan can be a smart and reliable solution.

A property loan, also known as a Loan Against Property (LAP), allows you to borrow money by using your residential or commercial property as security. You can access a high loan amount while still keeping ownership of your property.

 Benefits of a Property Loan

A property loan comes with several advantages, making it one of the most preferred financing options:

   High Loan Amount

Since the loan is secured against property, you can get a higher amount compared to personal loans.

  Lower Interest Rates

Property loans usually offer lower interest rates because they are backed by collateral.

  Longer Repayment Tenure

Enjoy flexible repayment periods of up to 10–20 years, making EMIs affordable.

   Multipurpose Usage

The loan amount can be used for various needs such as:

  • Business expansion

  • Education expenses

  • Medical emergencies

  • Wedding or family functions

  • Debt consolidation

  • Home renovation

    Quick Approval Process

With proper documents, property loans are processed smoothly and quickly.

 Eligibility Criteria for Property Loan

To apply for a property loan, applicants generally need to meet the following conditions:

    Age Requirement

  • Minimum: 21 years

  • Maximum: Up to 65 years (at loan maturity)

  Employment Type

Property loans are available for:

  • Salaried individuals

  • Self-employed professionals

  • Business owners

  • Entrepreneurs

   Stable Income Source

Applicants must have a steady income to ensure timely repayment of EMIs.

   Credit Score

A good credit score (usually 650 or above) increases the chances of approval and better interest rates.

   Property Ownership

The property must be:

  • Legally owned by the applicant

  • Free from major disputes

  • Approved by local authorities

  Work/Business Stability

  • Salaried: Minimum 1–2 years of work experience

  • Self-employed: Minimum 2–3 years of business continuity

 Documents Required for Property Loan

Here are the commonly required documents:

  Identity Proof

  • Aadhaar Card

  • PAN Card

  • Passport / Driving License / Voter ID

    Address Proof

  • Electricity/Water Bill

  • Passport

  • Rental Agreement (if applicable)

   Income Proof

For Salaried Applicants:

  • Last 3–6 months salary slips

  • Bank statement (last 6 months)

  • Form 16 / Income Tax Returns

For Self-Employed Applicants:

  • Income Tax Returns (last 2–3 years)

  • Profit & Loss Statement

  • Balance Sheet

  • Bank statement (last 6–12 months)

   Property Documents

  • Property Title Deed

  • Sale Agreement

  • Approved Building Plan

  • Property Tax Receipts

  • Encumbrance Certificate

  • NOC from Society/Builder (if required)

  Photographs

  • Recent passport-size photographs

   Additional Documents (if needed)

  • Existing Loan Details

  • Business Proof (for self-employed)