Product Overview
Unlock the True Value of Your Property
Jfinserv specializes in providing project finance for real estate developers and infrastructure companies. We understand the complex requirements of large-scale projects and offer flexible funding solutions to ensure your project milestones are met on time.
Our project loans are designed to cover the entire lifecycle of your development, from land acquisition to completion.
- High loan amounts based on market value of the property
- Lower interest rates compared to unsecured loans
- Long repayment tenure up to 15-20 years
- Loans available for both residential and commercial properties
- Flexible end-use of funds for business or personal needs
- Quick processing and transparent documentation
Why Choose Our Property Loan?
A Loan Against Property (LAP) is one of the most cost-effective ways to raise funds for your personal or business needs. By leveraging your existing property as collateral, you can access high-value loans at much lower interest rates compared to personal loans.
Whether it's for business expansion, debt consolidation, or funding a child's education, our LAP solutions provide the liquidity you need while you continue to use your property.
Increase Your Loan Eligibility
Best-in-Class Interest Rates
Flexible Repayment Tenure
Minimal & Hassle-Free Documentation
Fast, Transparent, and Reliable Process
Our Property Loan Benefits
Everything you need for a seamless Property Loan
Lightning-Fast Approvals
Get your loan processed without delays. Our streamlined approval system ensures you receive funds quickly and efficiently.
Simplified Documentation
No more tedious paperwork. We have designed a minimal and user-friendly documentation process to save your time and effort.
Flexible Tenure & Repayment
Choose repayment schedules that suit your lifestyle. Our flexible tenures and installment options are designed for your convenience.
Competitive Interest Rates
Benefit from attractive interest rates that make your home loan more affordable while keeping your finances stress-free.
Transparent Process
We believe in full transparency. No hidden charges or surprises—just clear terms and a smooth loan experience.
Expert Support
Our team of financial experts is always ready to guide you through every step, ensuring your loan journey is seamless and informed.
Eligibility & Documents
Check if you qualify and what documents you'll need
✓ Eligibility Criteria
- Indian Citizenship: Applicant must be an Indian citizen with valid identity proof.
- Occupation & Income Stability: Stable profession and verifiable income are required to assess repayment capacity.
- Credit Score: A healthy credit history and acceptable credit score improve eligibility.
- Banking Relationship: Strong relationship with the lender may result in better loan terms.
- Property Market Value: Property value should be higher than the loan amount requested.
- Clear Property Ownership: Applicant must be the legal owner; property should be free from existing mortgages.
📄 Required Documents
- Current Passport size photograph of all Applicants
- Duly filled & signed Application Form
- Proof of Identity: Aadhaar card/Passport/Driving License/Voter ID/PAN Card Copy
- Aadhar Card or other OVDs containing identity & address
- Processing fee cheque
- Property documents: True Copies
- A Sale Deed, Khata, Transfer of Ownership
- No Objection Certificate (NOC) from the builder / Housing Society (Original Copy)
- Land Tax Paid Receipt
- Possession Certificate
✓ Eligibility Criteria
- Indian Citizenship: Applicant must be an Indian citizen with valid identity proof.
- Occupation & Income Stability: Stable profession and verifiable income are required to assess repayment capacity.
- Credit Score: A healthy credit history and acceptable credit score improve eligibility.
- Banking Relationship: Strong relationship with the lender may result in better loan terms.
- Property Market Value: Property value should be higher than the loan amount requested.
- Clear Property Ownership: Applicant must be the legal owner; property should be free from existing mortgages.
📄 Required Documents
- Income Documents: Duly attested
- Form 16
- Form 26AS
- Bank statement of last 6 months
- Offer letter
✓ Eligibility Criteria
- Indian Citizenship: Applicant must be an Indian citizen with valid identity proof.
- Occupation & Income Stability: Stable profession and verifiable income are required to assess repayment capacity.
- Credit Score: A healthy credit history and acceptable credit score improve eligibility.
- Banking Relationship: Strong relationship with the lender may result in better loan terms.
- Property Market Value: Property value should be higher than the loan amount requested.
- Clear Property Ownership: Applicant must be the legal owner; property should be free from existing mortgages.
📄 Required Documents
- 2 years IT return with computation
- Balance sheet of last 2 years
- Profit and loss of last 2 years
- Bank statement of last 12 months
✓ Eligibility Criteria
- Indian Citizenship: Applicant must be an Indian citizen with valid identity proof.
- Occupation & Income Stability: Stable profession and verifiable income are required to assess repayment capacity.
- Credit Score: A healthy credit history and acceptable credit score improve eligibility.
- Banking Relationship: Strong relationship with the lender may result in better loan terms.
- Property Market Value: Property value should be higher than the loan amount requested.
- Clear Property Ownership: Applicant must be the legal owner; property should be free from existing mortgages.
📄 Required Documents
- 2 years IT Return with computation
- Profit and loss of last 2 years
- Qualification proof
- Balance sheet of last 2 years
- Bank statement of last 12 months
- Gumasta license
✓ Eligibility Criteria
- Indian Citizenship: Applicant must be an Indian citizen with valid identity proof.
- Occupation & Income Stability: Stable profession and verifiable income are required to assess repayment capacity.
- Credit Score: A healthy credit history and acceptable credit score improve eligibility.
- Banking Relationship: Strong relationship with the lender may result in better loan terms.
- Property Market Value: Property value should be higher than the loan amount requested.
- Clear Property Ownership: Applicant must be the legal owner; property should be free from existing mortgages.
📄 Required Documents
- Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments
- Bank statement for payment made to the builder (Own Contribution)
- In case of recent employment, submit Form 16
- If the property is decided then submit a photocopy of property title documents
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Calculate Detailed EMI →Frequently Asked Questions
Get answers to common queries about our property loan products