An aspiring entrepreneur needs capital to kick-start their business. Individuals rely on various kinds of loans, such as loans against gold, personal loans, and even a Loan Against Property, to fund capital requirements. A Loan Against Property for a business startup makes for an apt choice for a business loan, given its sizeable sanctions. Read on to know more.
A Loan Against Property for a startup business is a secured loan that can be utilized for housing or business-related needs. Moreover, it also differs from a personal loan in the following ways:
- Seeking a Loan Against Property as a startup loan for small businesses would involve providing collateral to the lender for securing the loan
- The rate of interest rate on a Loan Against Property for business is more competitive than that of a personal loan
- A Loan Against Property has an extended repayment period of up to 17 years, unlike a personal loan
These benefits make a Loan Against Property the most appropriate choice for borrowers who wish to raise funds for their business.
Features and Benefits of Startup Loan Against Property
To help understand the advantages of availing of a Loan Against Property, here are some of the features an aspiring borrower can benefit from:
-
Competitive Interest Rate
The secure nature of the loan is the reason why lenders offer attractive property loan interest rates. The same benefits cannot be enjoyed on collateral-free loans. -
Quick Processing
Once a borrower submits the documents, borrowers can expect a speedy approval and disbursal process, provided their documents and profile pass the lender’s verification requirements. -
Minimal Paperwork
A borrower can visit the lender's official website and check all the documents that they need to submit, to be better prepared. Usually, lenders ask for minimal documents to facilitate faster processing.
Documents Required for Startup Business Loan
The list of the documents a borrower is asked to submit are as follows:
- Mandatory documents such as PAN card or Form 60
- KYC documents such as PAN card, Aadhaar card, passport, or a driving license
- Proof of address
- Bank account statements of the last six months
- Proof of ownership such as a partnership agreement
- P&L statements
Note: This list is indicative. Additional documents may be needed during loan processing.
Loan Against Property Eligibility Criteria for Startup Business
To avail of a Loan Against Property for a new business, here are some of the eligibility parameters that applicants are expected to meet:
- The borrower must be a residing citizen of India
- The borrower's CIBIL score should ideally be 750
- If the borrower is salaried, then their age must fall between 28 to 60 years**
- If the borrower is already self-employed, then their age must fall between 25 to 70 years**
**The upper age limit is considered as age at the time of loan maturity. Additionally, the upper age limit for applicants is subject to change, depending on the property profile.
Read More: Easy Ways to Pick the Right Loan Against Property Tenor
5 Reasons Why You Should Use a Loan Against Property to Start Your Business
Getting your business to start requires the push that can be given only in the form of a considerable bulk of money. As such, a Loan Against Property can certainly help in various ways. Here are five reasons why you should opt for a Loan Against Property for startup business:
- It is more cost-effective than personal loans – While you can use personal loan to fund your business need, you may incur a slightly higher amount considering the interest rates.
- You can live in your mortgaged property – Your property is yours to stay throughout the duration of the Loan. So, live freely and thrive. Mortgage only applies when you fail to repay your loans, which you most likely won’t if you have a stable business.
- You can obtain large sums – You can get a loan against property for amount as high as Rs. 5 Cr* and above basis eligibility.
- You can get the loan easily - Since you are offering your property as collateral, the lender has good enough security in case you fail to make full repayment. Hence, they provide such loans rather conveniently to the borrowers.
-
You can opt for a longer tenor – The tenor for LAP for a startup business goes up to 17 years. You can stretch your EMIs accordingly.
Applying for a Startup Loan Against Property
Loans for Startup businesses can be availed by keeping your property as mortgage. Getting a Loan Against Property is actually a financially viable way to fund your business needs at a low interest rate as your business will most likely grow out and you will be able to repay your loan from the profits your earn. To apply a business startup loan, you firstly need to have a well-drafted business plan in place. Secondly, you need to qualify the age, income and other criteria set by the lender. Lastly, you need to have the confidence that your business will certainly grow into a profitable one.
Final Thoughts
A Loan Against Property for a business startup is a secured loan, so it is easy to obtain it with limited documentation and competitive interest rates. However, it is imperative that the borrower's income is consistent to successfully service the Loan Against Property for their new business.
Also Read: 5 Important Reasons to Opt for a Loan Against Property to Start Your Own Business
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
[N][T][T][N][T]
Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
[N][T][T][N][T]
Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
[N][T][T][N][T]
Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
[N][T][T][N][T]
Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
[N][T][T][N][T]
Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
[N][T][T][N][T]
Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
[N][T][T][N][T]
Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
[N][T][T][N][T]
What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?