Agar aap property girvi rakhkar loan lena chahte hain (Mortgage Loan / Loan Against Property), to aapko bank ya NBFC ke requirements ke mutabik kuch zaroori documents jama karne hote hain.





📜 Zaroori Documents for Loan Against Property (LAP):

1️⃣ Personal Documents (Identity & Address Proof)

✅ Aadhaar Card / PAN Card
✅ Voter ID / Passport / Driving License
✅ Electricity Bill / Water Bill (Address Proof)
✅ Recent Passport Size Photographs

2️⃣ Income Proof (Applicant Ke Type Ke Anusar)

🔹 Salaried Person Ke Liye:
✅ Salary Slips (Last 3-6 Months)
✅ Form 16 & ITR (Last 2-3 Years)
✅ Bank Statements (Last 6-12 Months)

🔹 Self-Employed / Businessman Ke Liye:
✅ ITR (Last 2-3 Years) with Computation of Income
✅ Business Registration Certificate / GST Certificate
✅ Profit & Loss Statement & Balance Sheet (Last 2-3 Years)
✅ Bank Statement (Last 6-12 Months)

3️⃣ Property Documents (Girvi Rakhne Wali Property Ke Liye)

✅ Property Title Deed (Registry)
✅ Latest Property Tax Receipt
✅ Encumbrance Certificate (EC - Yeh Proof Hai Ki Property Par Koi Loan Ya Liability Nahi Hai)
✅ Approved Building Plan (Agar Property Constructed Hai)
✅ No Objection Certificate (NOC) from Society / Builder

4️⃣ Loan Specific Documents

✅ Loan Application Form (Duly Filled & Signed)
✅ Processing Fee Cheque
✅ Existing Loan Details (Agar Koi Hai)

💰 Additional Points:

✔ Property Residential, Commercial ya Industrial ho sakti hai.
✔ Loan Amount Property Value Ka 50-75% Tak Mil Sakta Hai.
✔ Bank Ya NBFC Property Ki Valuation Karvayega Aur Fir Loan Approve Hoga.

Agar aap kisi specific bank ya NBFC se loan lena chahte hain, to unke requirements alag ho sakte hain. Isliye bank se pehle confirm kar lena best rahega. 🚀