Loan Against Property - Interest Rate, Eligibility & Documents [Hindi]
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- เผยแพร่เมื่อ 13 ต.ค. 2024
- All you want to know about loan against property i.e. interest rate, eligibility, documents required, pros and cons. Sign-up to our new app for discounts and early access: ✔ assetyogi.com/...
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All major banks provide loan against property (LAP) - ICICI Bank, Axis Bank, SBi, PNB, HDFC etc. We will see all important features of a loan against property, when you should take it and when you should avoid it.
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आप संपत्ति के आधार पर लोन के बारे में जो भी जानना चाहते हैं यानी ब्याज दर, पात्रता, आवश्यक दस्तावेज और इसके फायदे और कमियां आदि के लिए ये पूरा वीडियो देखें। हम संपत्ति के आधार पर लोन की सभी महत्वपूर्ण विशेषताओं को देखेंगे, कब आपको ये लोन लेना चाहिए और कब आपको इसे से बचना चाहिए।
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In this video, we have explained:
What is loan against property?
What are the eligibility requirements for taking loan against property?
What are the required documents for loan against property?
When should you opt for loan against property and when you should avoid taking loan against property?
What are the advantages and disadvantages of loan against property?
How to get loan against property?
How to calculate loan eligibility for loan against property?
How much loan you can get with loan against property?
What is the application process for loan against property?
For which purposes you can take loan against property?
What is the minimum loan amount of loan against property?
What are the interest rates for loan against property?
संपत्ति के आधार पर लोन क्या होती है?
संपत्ति के आधार पर लोन लेने के लिए एलिजिबिलिटी रिक्वायरमेंट्स क्या हैं?
संपत्ति के आधार पर लोन के लिए आवश्यक दस्तावेज क्या हैं?
कब आपको संपत्ति के आधार पर लोन के लिए विकल्प चुनते हैं और कब आपको संपत्ति के आधार पर लोन लेने से बचना चाहिए?
संपत्ति के आधार पर लोन लेने के फायदे और नुकसान क्या हैं?
संपत्ति के आधार पर लोन कैसे प्राप्त करें?
संपत्ति के आधार पर लोन के लिए लोन एलिजिबिलिटी की गणना कैसे करें?
आप संपत्ति के आधार पर लोन के साथ कितना ऋण प्राप्त कर सकते हैं?
संपत्ति के आधार पर लोन के लिए आवेदन प्रक्रिया क्या है?
किन उद्देश्यों के लिए आप संपत्ति के आधार पर लोन ले सकते हैं?
संपत्ति के आधार पर लोन की न्यूनतम ऋण राशि क्या होती है?
संपत्ति के आधार पर लोन के लिए ब्याज दरें कितनी होती हैं?
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Hope you liked this video in Hindi on “Loan Against Property".
I am a coordinator in loan against property team in kotak bank.
So this is 90% correct answer to explain.
very nice information .....which is usefull for normal person ...thanks alot sir
:)
Thank you Vaibhav
Hi Mukul, can you please make videos on GST. Who needs to register on GST? Process for GST filling. How to get GST input tax credit and many other processes involved in GST.
Thanks a Ton Sir
You are the best finance advisor
It is very helpful knowledge that you are providing.
Bahot badhiya sirji, LAP KI PROPERTY PURCHASE KAR SAKTE HAI KYA
Sir, I want to take loan for my education of approx 30 lacs and my parents are non- working but the land is commercial....did I get this loan against my parents property..??
your this vedio is really very helpful for us . I suggested you to also make vedio on the topic- loan against security . and thanks a lot sir for such a amazing vedio .
Sir, can you tell which loan will be fine if we have to buy a shop and how can we find out which bank will have the lowest rate of interest
Nice sir muj Llb krni h or loan insvestment sikhna h tq
THANKS A LOT SIR.......MAY YOU ALWAYS GET SUCCESS MORE AND MORE
bhut bhut sukrita sir
bhut kuch seekhne ko mila apki video dekhkar
Keep learning Aatif
Mukulji I really appreciate u for spreading ur knowledge.....with each n every videos really respect ur concepts
Sir home Lene ke liye legal documents konse hote h by builder or wo flat legal h Hume kaise pata chalega pls suggest me a video
sir, is type ke loan me sayad intrest bas pay karna hota hai kya...?
ya amount ke sath intrest bhi katega har month....?
plzz guide
खुप उपयोगी माहिती दिलीत. धन्यवाद.
Hello Sir, May you please make one video for available loan options for NRI.
Best information is given by you, it is useful for those who are interested to take loan agents property. Thank you very much.
Pls describe features of loan given by bank to its landlord against monthly rental which goes as loan installment.
Hi Mukul, I have taken loan from LIC HFL @ 10.50 and they increased it to 11.20 % . This is floating interest rate but they are not changing interest rate
Apke pass fully document nhi honge or bank sirf ek hi cheque dega vo bhi sellar k name par
Loan against property me original registry apne paas rakhta hai bank??
मैने 45 year old घर खरीदा है जिसके लिए बैंक से होम लोन लिया है। अब मुझे पूरा घर घिराके नया घर बनवाना है तो बैंक को inform या permission के लिए मुझे क्या procedure करनी पड़ेगी ।
Home loan pai loan krna ho to konsa sahi rahega top up loan ya lap (now days )which bank or finace is best (now days please inform again )
Sir good evening. Ap general insurance pr bhi video bnao pls like car, home , bike
Topic noted!
hello sir ..i have started new home loan with my spous 2 months back (2 emi paid to bank). and in this situation i want to buy one more residential property which is in less price. so how to go for it or how to plan for it ?..... expecting your suggestion and advice.. thnks for nice videos. :)
who is decided the value of our property government or employ of bank...
Excuse me sr ..kya gram sabha ki jamin pe home loah mil skta h?
Sir, can I get the home loan on basis of existing house papers? I am not currently working. I used to work few years back.
Bank ....property ki canstruction value amount bhi ..add krta h property values amount m
Yes
App ka Information batana is tareke short and crisp g I love this way 😁
Family pensioner loan kysy ly aur konsa ly
,,, widow and all
Es par video bnaiy plz
Hello sir in present time ( feb 2023 ) which bank gave cheapest mortgage loan against property ??? Or how many intrest rates
Sir please make a video on drawing power Vs limit
Please guide us, for a home loan when you do not have any formal evidence of income but can pay EMI
Excellent job ....
nice information...!
Thank you very much sir
Keep learning 😊
Thanks for providing me the knowedge of LAP, Thanks Mukul i like your video
Thank you for appreciating Pankaj
Mat lena lap....charge are to high...documentation me around 50k laag jate hai aur fir loan sanction hone ki bad...suppose 10lakh ki. 12k processing fee and around aur mortgage charge 18k jaise...
12000+18000 aur documentation 50000 k. Total 75 to 80 k lagti hai...i facing sbi lap loan leke....faltu loan hai....
10lakh me agar 70 80 k charge dena hai to bussiness kya karege....aur fir.....monthly interest 30th ko har mahine do....aur principle ..amount emi aur....total headache...
Anyone kisiko janna hai to me sab khulke batasakta hu...faltu loan hai
Thanks Lords your information SIR
So thanks of my you sir.
Adorable work done. Very informative n useful for needy
Glad to hear that 😊
REalexpeditetools,com helped me with a transfer of $29,000 added to my account .They are awesome.
Sir make video on diffrence bw bank overdraft and and loan aganist property
Hello Sir, thanks for the video.for LAP, is it mandatory to take the insurance. (HDFC here)
Thank You Sir
Giving full details for loan against property
Very informative video. Thanks
Lone k liye bank property ki value kese nikalte h, plz is sub par bhi ek video bnaiye plz.
Loan against property mujko lena hai UBI bank se . Mera Question ye hai ki mera property karib karib 7 lacs rupes ka hai agar mai kisi other person ko sell karta hu to . Lakin mai bank se le raha hu to kya ye dekhna hoga ki jis bank me account hai same bank se lena hoga ya agar jis bank me mera account nahi bhi hai to woha se bhi le sakata hu ? Aur ek example aap batana ki mai 1.5 lac le raha hu to kitna pay karna hoga 3 years me mota mota phir bhi aap batana .
Kitna time me loan ammount credit ho jata hai bank account me agar sab kuch ok raha to?
Kya loan agar 1 year paid kiya aur phir paisa ka jarurat hai to mai wapas bank se top up le sakata hu kya iska kya process hai ? Kis bank se achha rahega LAP lena ? Aur agr credit card chaye to same loan par to kya process hai ?
Help me.
Thanks.
Very thankful for this video Mukul!
Glad to hear that
Supeb explain sir I am big learning Knowledge from this video
Thanks Atin!
योगी जी एक विडिओ बनाये ।जो कि प्रधानमंत्री आवास योजना के अन्र्त़ंगत जो सबसिडी मिलती है।उसका kya Process है।और सबसिडी कितने किस्त मे आती है।ओर कितने समय मे आती है।एवं होम लोन का trune over कितना है
Thanks
Topic note kar liya hai.
What documents required for NRI also can I get Loan against plot to. Do construction on plot. Please provide info
Zameen ka kaun sa paper lagega . original deed,photo copy,circle office se nikale ga? Ya mortgage paper se hi mil jayega. Please replied.
satiesh kumar call me regarding lap 8218825237
I don't have any business income.... But want to apply for mortgage loan on property.... So which business should I show in itr? Is there any person come for inspection of business from banks? & how much income should we show in itr for 10 lakhs loan?..... Can anyone help....
Sir plz.. make video on how to trade in nifty and bank nifty....
Due to lack of knowledge small traders cannot able to
trade ......and big traders take away all the profit...plzzz...this is humble request!
Watch this video: th-cam.com/video/cXjbB9TuQeo/w-d-xo.html
ThNks for good explanation
Ek Loan agent ne kaha tha.. Agriculture Land pe "Loan Against Property" nahi milega ?
Is this right ??
Hi I am planing to buy a property valued at 40 lacs. I have checked that the current circle rate is 37lacs. So I want to get the registry done at circle rate. Also I will have to apply for home loan for the said amount. So is it possible that I apply for home loan based on property's market value i.e. 40lacs which will be mentioned in sale agreement and get the registry done at circle rate.
Sor LAP pe stamp duty lagta hai kya?
Konsa property ka documents bank me rahega... Jo kharid rahe hai yah jo mera residencial property hai
Nice information sir...but if property is older than 50 years then can we get loan??
Yes
Jiska monthly 10 k hai uske liye koi subidha hai ya nhi
Awesome learing from your videos sir
Thanku sir bhut achche se explain kiya ❤
Thanks
Bahot bahot Ashirwad .🧡
Sir for revenue land B Katha sites is SBI realty property loan possible.
Valuable information thanks
So nice of you
LAP- Documents mein aap business walo k liye Income Tax Returns(6 no.) k sath aap bole ki Last 3yrs Income Tax Returns with computation of Income(10 no.) bhi lagega. Sir Please clarify kijiye..
Great Sir, You got sub, Mein to bura fasa hua hoon ab jabse yeh corona aaya hai. Muze mere Business ka tax of last year aur abhi ka milake 8 lakh something pay karna hai in september and jabse yeh 2020 shuru hua hai mera pura business band pada hua hai and phir yeh corona aane ke baad to complete stop ho gaya aur meine mera sara saved money properties mein invest kar diya aur itana hi nahi lekin 7 lakh something short ho rahe the property buy karne mein last year to bank ki phone app se hi quick wo money within 1 minute personal loan bhi le liya tha last year and ab tak har month usaka 14,000 EMI de raha hoon. to basically mere pas ab 2 Properties hai one is land around 60 Lakh and other is house around 35 Lakh. Loan against property milega kya muze? ye 2020 mein almost na ke barabar income hai mera to kya bank loan degi? Koi aur other option hai to batayiye. Thanks, Waiting to hear from you
Sir ye btao ye jo loan hai on document property value ka 60% hota hai ya market rate jo chal rha ho wo hota hai????? Pls confirm
Sir ji, thanks for very useful information...
Keep learning Pawan 😊
Hi Sir I have some Q 1 can I remortgage / take equity with same bank? And is it going to benift me.? With the amount I want to gv down payment for my 2nd property. What if I remortgage how much I need to pay every month? And can I pay weekly or every second week? There is one more way called HELOC how good it is? Which is best in these three mentioned above? PLS reply as soon as possible Thanks
Good information sir really
One doubt
Suppose I am buying a flat of 1 cr ,and I have paid 50 % initially
So can I get the remaining amount as home loan only on that that flat itself
Or other securities are also required ?
Somebody answer
Proparty k original paper bank pe pass jama Krane padte hain?
Hello sir
Me ek ghar kharidna chahta hu
But wo ghar registry wala nhi he....notary wala he...
Kya is notary wale ghar ko lene me koi bank loan degi kya...agar ha to plz process explain kijiyega sir.plz
Thanks sir
Thank you for such video very informative
Thanks Mushtaq
Thank you sir u discribe everything so nicely keep it up
Thanks 😊
Sir mera ek question hai.. me ek business man hu.. mjhe loan chye thA mere business me additional capital ki jarurat hai.. to me konsa loan lu.. ar mere pass guarantee me bs ek property hai jo agriculture ki hai.. to kya bank loam pass krega kya.?
thanks for your valuable video.
Hello !
I wanna take Home Loan against property would you suggest me some important things or advice me the things to which I should be careful pls ?
Hello !
I wanna take Home Loan against property would you suggest me some important things or advice me the things to which I should be careful pls ?
Sir aapne lap ke case me bhut kuch clear Kiya Hai
But aapne property ko clear nhi Kiya Hai ki property me land bhi ho sakti Hai aur house bhi
Lap land or plot pr nhi milta hai
Aur home loan sirf purchase ya construction pr milta Hai . Construction loan part me milta Hai.
Thankyou So much For your help tips
Hope it helps Armaan 😊
Job LAP ME KARE YA INDIVIDUAL LOAN ME IN BEST
PLEASE SUGGEST SIR
in case of home loan, we need to have cash 10% of flat value available, but in case of mortgage loan, we depending on loan amount , we need to pay charges lesser for wg. for150,000 INR MORTGAGE LOAN, we need to pay approx INR 20,000.
Insurance kitne tak h hoga?
Mene picha tha wo 15000 ka bata rha tha agent 5 lakh k loan pe, to kya sahi h ya nahi?
Sar chhote businessman ko GST number lene ka fayda kya hai detail mein video banana
सर मैने होम लोन लिया था अब लोन का लास्ट EMI बाकी है तो मुझे अभी क्या करना होगा मेरा लोन closed करना है मुझे किस बात का ध्यान रखना होगा मुझे क्या करना होगा
Sir, me mera land ke against pe bnk se loan leke new house construction kar paunga??
How to chk old property details in IGR site for year 1990 thru 2020. Example: what number or details we have to searched.
Can two persons take loan by morgadge same property.
Sir..please Interest rate,eligibility check karne k liye kuch websites link dijiye..
Hello sir
Kindly tell can i get rebate on income tax in case of LAP
Sir mujhe loan chahiye but Kya loan ke lie koi permeate job hona jaruri hi ? Mai apne room rent se bhi to loan chuka hi sakta hu !
Very good sir so detailed information video
Thanks Manish
thanq you boss for good information
Thanks for the information 🙏
Sir please make a video how to buy a land or home frim from seller which is mortgage or defaulter in some bank or in financial institution..
Hy thats me vinay what you want sir i m a channel partner with icici hdfc idfc pnb bank if you wants really a loan on whatever so contact me sir
Sir business loan lene ke liye govt me taxt diye hai ki nehi wo dekhte hai....lap loan me vi wo dekhega kya
Sir jab state gov.se plot buy kiya to vo lease land hoti h tab LAP ke liye bank use kis tarah treat karega kya uske liye koi alag rules hote h kya?
Sir.. plot wife k name ho to husband ko construction k ly loan mil jay ga??? husband employ h bank me.
Khansa Sheraz yes mil jaiga 8218825237 call me
Sir LAP me interest only loan mil Sakta hai Kya...
Sir meri original property ke paper kho gaye hai . Maine certified copy nikalwayi hai kya LOAN AGAINST PROPERTY mil jayegi.
Plz help me
Sir kya genrel power of autoney ke uper Home loan mil sakta hai
The explanation is Much satisfying ✌