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If you need immediate cash for personal or business purposes, a loan against property can be an effective solution, allowing you to access funds by leveraging your property without selling it. By utilizing technology, Lending Spheres partners with home loan providers like HDFC and AXIS to offer customized solutions tailored just for you. Our home loans come with unique advantages, including: Low Interest Rates: Benefit from competitive interest rates that make borrowing more affordable, Low Minimum Loan Amount: Access funds without the burden of high minimum requirements, High Maximum Loan Amount: Borrow substantial amounts based on your property's value, Easy Prepayment Terms: Enjoy flexible prepayment options that suit your financial situation, Fully Digital Platform: Experience a user-friendly application process that can be completed entirely online, With these features, Lending Spheres makes it convenient to secure a loan against property while ensuring you have the support and flexibility you need.

You can secure up to 70% of the property's value if it is residential, and up to 60% if it is commercial.

The interest rate for a loan against property that you qualify for depends entirely on your credit profile, income, occupation, and other factors. For reference, interest rates for loans against property typically start at 10.35%.

Here are some key factors that determine your eligibility for a home loan: credit score (minimum of 700), income of all applicants, age of the primary applicant (minimum 21 years and maximum 70 years), occupation of the primary applicant, existing obligations and EMIs, additional sources of income, if any, repayment capacity, current residential location, location of the property you intend to purchase.

The funds obtained from a loan against property can be utilized for various significant expenses, including home renovations, business expansion, medical costs, or even alternative investments.

Loan Amount 1. Minimum: Rs.5 Lakhs, 2. Maximum: Rs.3 Crores. Loan Tenure, 1. Minimum: 3 years, 2. Maximum: 30 years if you're salaried & 20 years if you're self-employed,

You have the option to prepay your loan against property before the completion of the repayment tenure. However, please be aware that prepayment charges may apply.

A Loan Against Property Balance Transfer allows you to transfer your existing loan balance to another financial institution. This process is designed to provide you with more flexible repayment options, pre-approved offers, improved customer service, and lower interest rates* compared to your current bank.