Overview
At V Key Finserv, we recognize that sometimes you need more than temporary fixes to deal with the financial possibilities or difficulties you confront. Without having to sell your home, business, or industrial property, our Loan Against Property (LAP) is intended to help you realize its full potential. You can get a sizable loan with flexible repayment terms and reasonable interest rates* by using the value of your owned property as collateral.
Our LAP solutions guarantee that you receive the best value with total transparency, timeliness, and confidence, whether you need money for debt consolidation, wedding costs, business expansion, education, or medical emergency.
Features
Important Features of Our Property-Based Loan
- Large Loan* Amounts Utilize as much as 60–70% of the market value of your property.
- Flexible Tenure: To accommodate your financial flow, you may choose a repayment length of up to 15 years.
- Competitive interest rates* with beginning points as low as 9% p.a. are attractive.
- We accept a variety of property types, including commercial, industrial, and residential properties.
- End Use Is Unrestricted: Use the money for business or personal needs.
- Fast Processing: Faster disbursement and less paperwork.
- Facility for Transferring Balances For better rates, transfer your current LAP to us.
- Top-Up Facility: Extra money on an already-existing LAP without taking out a new loan.
Invest in Your Dreams – Act Now!
Eligibility
You must fulfill a few fundamental qualifying requirements in order to apply for a Loan Against Property with V Key Finserv:
- Age
- Pay range: 21 to 60 years when the loan matures.
- Self-employed: loan maturity ranging from 25 to 65 years.
- Earnings
- Self-employed: Three or more years in the existing business or profession and a minimum yearly turnover of ₹3,00,000.
- Ownership of Real Estate
- It should be free of significant legal conflicts and in the name of the applicant or co-applicant.
- Profile of Credit
- A clean payback history and a good credit score (ideally 650+).
Documents Required
We guarantee clear and simple documentation:
- Identity Proof (any one): A driver’s license, passport, voter ID, PAN card, or Aadhaar card
- Address Proof (any one): Ration card, utility bill, driver’s license, voter ID, passport, and Aadhaar card
- Age Proof: Birth certificate, voter ID, Aadhaar card, or passport
- Income Proof
- Self-employed: Last six months’ bank statements, audited financial statements, and last two years’ ITR
- Property Documents: Authorized building plan, most recent property tax receipt, registered title deed, and valuation report
- Other: Passport-sized photos of the applicant or applicants
EMI Calculator
Before applying, you can estimate your repayment schedule with the use of an EMI (Equated Monthly Instalment) calculator. Just type:
- Amount of Loan
- Rate of Interest
- Duration of the Loan
Your monthly installment, total interest due, and total payback amount are displayed promptly via our online EMI calculator. This enables you to make wise financial plans and select a comfortable tenure.
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
Fees and Charges
Our charges are competitive and fully transparent:
Particulars | Charges |
Loan Processing Fees* | 1% to 2% of loan amount |
Valuation Charges | As per actuals |
Legal & Documentation Fees | As per actuals |
Penal Charges on Overdue EMI | 2% per month on overdue amount |
EMI/Cheque Bounce Charges | ₹500–₹750 per instance |
Stamp Duty | As per state law |
Foreclosure Charges | Nil to 4% (depending on loan terms) |
Reviews
FAQs
You can get up to 60–70% of your property’s current market value.
Residential, commercial, and certain industrial properties are eligible, subject to valuation and legal clearance.
Yes, except for speculative or illegal activities.
Tenure ranges from 3 to 15 years.
Not mandatory, but recommended for higher loan eligibility.
Yes, provided they meet documentation and eligibility requirements.
Penal charges will apply, and persistent default may lead to legal action and recovery from the property.
Typically within 7–10 working days after complete documentation.
Yes, property insurance is usually required during the loan tenure.
Yes, subject to foreclosure charges as per agreement.
