Loan Against Property – Unlock Your Asset's Value
SJ Finance offers competitive Loan Against Property (LAP) solutions, helping you leverage your residential or commercial property to meet large financial requirements. Whether it's business expansion, education, medical expenses, or debt consolidation, we provide the funds you need with attractive interest rates.
Eligibility Criteria
- Age: 21 to 65 years at loan maturity
- Salaried individuals with minimum 2 years employment
- Self-employed with minimum 3 years business continuity
- Minimum monthly income: ₹30,000 (salaried), ₹40,000 (self-employed)
- Good CIBIL score of 650 and above
- Clean ownership of residential or commercial property
Documents Required
- Identity Proof: Aadhaar / PAN Card / Passport
- Address Proof: Utility Bill / Aadhaar / Rent Agreement
- Income Proof: Last 3 months salary slips / IT Returns (3 years)
- Bank Statements: Last 6 months
- Property Documents: Sale deed / Title deed / Encumbrance Certificate
- Property Valuation Report