Loan Against Property - ICICI Bank

Mortgage Towards Property – ICICI Financial institution

Mortgage Towards Property – ICICI Financial institution

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Private Mortgage

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Avail ICICI Financial institution Mortgage Towards Property (LAP) for what you are promoting or private wants. You possibly can mortgage each residential and industrial property and revel in comfy EMIs with lengthy tenure of as much as 15 years and in addition avail an Overdraft with it.

  For particulars, give us a missed name on 9022499400

  For particulars, give us a missed name on 9022499400

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Mortgage Towards Property Options

Fund your business Lap tenure Transfer your lap Special offers

Fund what you are promoting wants

Mortgage Tenure

Switch your current Mortgage

Particular Provides to Medical doctors

Mortgage quantity as much as 5 Crores

Upto 15 years

At a gorgeous price of Curiosity

Loans upto 70% of Property Worth

Eligibility

Eligibility Standards for Mortgage Towards Property

Eligibility

The eligibility for LAP is assessed primarily based on the financials of the shopper and the worth of the property being supplied as a collateral:

 

Calculate Eligibility

Continuously Requested Questions (FAQs)

How does the financial institution assess what quantity of Mortgage Towards Property (LAP) could be funded?


The financial institution assesses the loan quantity primarily based in your revenue financials in addition to the worth of the property.

What sort of property can I mortgage for LAP?


You possibly can mortgage each residential and industrial property for availing LAP. Nonetheless, the property ought to be free from any cost. You can also avail LAP in opposition to Choose Properties equivalent to Faculties, Nursing Properties upto 30 Beds, Warehouses and so on.

Are you able to provide LAP as an overdraft?


Sure, you’ll be able to avail as much as 90% of the full LAP as an overdraft.

What share of the property worth can I avail as an LAP?


You possibly can avail as much as 70% of the property worth as LAP. Nonetheless, this share will rely on the property sort and different checks.

What are the needs for which I can avail an LAP?


You possibly can avail an LAP for any enterprise or private use* like:

  • Enterprise growth
  • Lengthy-term working capital
  • Debt consolidation to decrease the Money outflows
  • Buy of apparatus
  • Vacation
  • Training/Marriage of youngsters

Can I avail LAP in opposition to rented premises?


Sure, you’ll be able to avail. Mortgage to worth ratio might fluctuate relying upon the kind of property

Can I foreclose the loan earlier than Mortgage tenure?


Sure, you’re allowed to foreclose the loan earlier than the sanctioned tenure

I’ve availed LAP from ICICI financial institution 5 years again, Now I need to tenure extension for that Mortgage. Can I avail?


Sure, you will get the tenure extension executed for that case.

Is it doable to get the Fee Conversion executed as per prevailing Fee of Curiosity?


Sure, you’ll be able to avail ROI conversion advantages

Distinction between Dwelling Mortgage & Mortgage Towards Property?


Dwelling Mortgage is availed to purchase property whereas the Mortgage in opposition to property is taken in opposition to already owned property. In each the situation shopper must Mortgage the underlined property with financial institution.

Can I switch my Mortgage in opposition to property (LAP) with different banker for enhanced quantity or tenure?


Sure , it’s doable to switch your loan to different banker for enhanced quantity or tenure or Each.

Can I participate disbursement below LAP as per my want?


Sure, it’s doable to take the disbursement in elements.

Can I take loan in opposition to my warehouse property owned by me?


Sure, Now it’s doable to take loan in opposition to warehouse property below LAP in addition to LRD.

Is it doable to participate of the time period loan as Overdraft facility?


Sure, it’s doable , supplied minimal 10 % of the loan quantity ought to be Time period Mortgage. Solely as soon as TL is disbursed, OD limits could be established in account.

Can I apply for the loan for my enterprise in opposition to my pal’s residential property?


No, Third celebration property can’t be supplied to take LAP.

Is it necessary to take all of the property homeowners as co-applicant within the loan?


Sure, All of the property homeowners ought to be celebration/co-applicant to the loan.

Is it allowed to bought off the property throughout the tenure of the loan?


Sure, it is extremely a lot doable supplied both purchaser of the property takes over the loan legal responsibility or buyer make the fee of the steadiness quantity.

Want Help?

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    Missed name quantity 9022499400

    E mail us : [email protected]

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