Loan Against Property

Unlock the value of your residential or commercial property to meet business expansion, working capital, education, medical, or other financial needs with UFin Loan Against Property.

Loan Range

₹2,00,000 – ₹25,00,000

Tenure

Up to 15 Years

Interest Rate

From 18.00% p.a.

Processing Fee

Up to 2%

Of loan amount + applicable GST

UFin Loan Against Property offers secured financing against residential, commercial, or eligible industrial properties. With competitive interest rates, higher loan eligibility, and flexible repayment options, customers can access funds while retaining ownership of their property.

Loan Details

Parameter	Details
Loan Amount	₹2,00,000 – ₹25,00,000
Loan Tenure	Up to 15 Years
Repayment Frequency	Monthly EMI
Interest Rate	Starting from 18.00% p.a.
Loan-to-Value (LTV)	Up to 50% of Property Value (as per company policy)
Processing Fee	Up to 2% of Loan Amount
GST	Applicable on Processing Fee
Prepayment	Allowed as per Company Policy
Security	Residential, Commercial, or Eligible Industrial Property

Eligibility

Applicants should meet the following criteria:

Indian Resident

Must be an Indian citizen.

Age

21 to 60 years at loan maturity.

Employment Status

Self-employed professionals, self-employed business owners, and salaried individuals (subject to product eligibility).

Property Ownership

Applicant must own the property being offered as collateral with clear and marketable title.

Income & Repayment Capacity

Must have a stable source of income and satisfactory repayment capacity.

KYC & Property Documents

Valid KYC documents and complete property-related documents are mandatory.

Key Features

High loan eligibility against property value.
Attractive interest rates.
Long repayment tenure with affordable EMIs.
Suitable for business expansion, working capital, education, medical, home renovation, and other financial requirements.
Retain ownership and continue using the property during the loan tenure.
Simple documentation and quick processing.
Transparent pricing with no hidden charges.

Documents Required

Aadhaar Card
PAN Card
Passport-size Photograph
Address Proof
Income Proof (Salary Slips / IT Returns / Financial Statements, as applicable)
Latest Bank Statements
Property Title Deeds
Encumbrance Certificate (EC)
Approved Building Plan (if applicable)
Property Tax Receipts
Other legal and technical documents as required

Why Choose UFin Loan Against Property?

Higher loan amounts to meet diverse financial needs.
Competitive interest rates.
Flexible repayment tenure.
Quick approval and transparent process.
Dedicated customer support throughout the loan journey.
Secure financing with minimal documentation.

Related Products

Small Business Loan (SBL)

₹50,000–₹5,00,000 quick financing for small businesses and micro-enterprises.

Gold Loans

₹25,000–₹10,00,000 secured against gold jewellery with up to 75% LTV.

Disclaimer: Loan sanction, eligible loan amount, tenure, interest rate, LTV, and other terms are subject to UFin Financial Services Limited's credit policy, legal and technical verification of the property, and applicable regulatory guidelines. Terms and conditions apply.