Loan Against Property in Delhi NCR — Unlock Your Property's Value, Keep Ownership
Unlock the Value of Your Property. Fund Your Business Growth.
If you own a legally sound property and seek large-scale, long-term finance, MS Finance Inc. offers robust loan against property (LAP) solutions across India — including options for low-CIBIL borrowers under special arrangements.
Whether you're an SME seeking expansion capital or a business owner consolidating assets, our LAP product empowers you with funds while you retain ownership and continue operations
Key Highlights
- The loan amount will be decided by the market value of the property (up to 70% of the market value) and the borrower's ability to repay. (Depending on borrower's financial strength and previous loan track record)
- Rate of Interest will be 7.5%. For a 15-year term, the minimum EMI will be around ₹ 927 per lakh
- The property must be clean, undisputed, and legally sound
- Pan India cases can also be considered, however the loan amount must be greater than ₹ 5 crore
We provide you mortgage loans ranging from ₹ 50 lakh to ₹100 crore against property for a maximum of 15 years on registry / freehold properties with in just 20 working days once all documentation submitted.
Documents Required
- Photo ID Proof (Pan Card / Aadhaar Card / Voter ID / Driving License / Passport)
- Residence Proof (Electricity Bill / Telephone Bill / Water Bill / House Tax Receipt / Allotment letter)
- Proof of Income (Last 3 month salary slip and last 2 years Form 16)
- Bank Statement (Banking statement for last 6 months of a Salaried account)
- Business Class (ID Proof, Residence Proof, Last three years ITR with Computation of balance sheet and Bank statement for last one year)
- Property Papers (Complete chain of all property paper)
Frequently Asked Questions
You can pledge a wide variety of real estate assets, including self-occupied residential homes, commercial properties, rented properties, and industrial plots, subject to legal and technical verification.
The loan amount depends on the current market value of your property. We typically offer a high Loan-to-Value (LTV) ratio, allowing you to unlock maximum capital ranging from ₹50 Lakhs up to several crores based on eligibility.
Yes. Because a Loan Against Property is fully secured by collateral, it carries lower risk, which allows us to offer significantly lower interest rates compared to standard unsecured personal or business loans.
No, there are no end-use restrictions. You can utilize the funds for business expansion, working capital needs, higher education, medical emergencies, or debt consolidation.
While fully constructed, clear-title properties have the fastest processing times, we also evaluate open plots and partially constructed properties on a case-by-case basis.