Top List of ~listcount~ Loan Against Property in Ganesh Street, Jangaon. Get an instant property loan with low interest rate, Also lending property loan, lap loan, Loans against rent receivables, Loan against pro#rty without map and more. Find Loan Against Property service providers near your location. as on Sep 15, 2025

Bilakanti Data Management Solutions Pvt Ltd

Ganesh Street, Jangaon, 0

4.4/5 Based on 13 Reviews

+910-48103485

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsDistance: 77.91 Kms

Bilakanti Data Management Solutions Private Limited establisted (Since 2019)

Singh from Hyderabad

"Excellent way of approach and Loan provided with full support."

ravi from Hyderabad

"Best services in Home Loans entire hyderabad."

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Manaswi Enterprises

Ganesh Street, Jangaon, 0

5.0/5 Based on 4 Reviews

+918035428099

Loans

Response Time: Within 15 MinsDistance: 79.85 Kms

Welcome to Manaswi Enterprises! Our branch office is conveniently situated in Prakash Nagar, Begumpet, Hyderabad. We're proud to have been serving Andhra Pradesh and Telangana for over 10 years, offering personalized: - Personal Loans- Educational Loans Our loan eligibility criteria include a CIBIL score of 650 and above. Our dedicated team of 5 experienced professionals will guide you through every step of the loan process. Plus, we offer quick loan sanctioning within 48 hours! Apply now and experience hassle-free financing with Manaswi Enterprises! Manaswi Enterprises is a well-established loan company located in Begumpet, offering a variety of loan services including education loans, mortgage loans, personal loans, and more. With a team of dedicated employees and years of experience in the industry, we strive to provide our customers with the best loan options to meet their financial needs. Our services cater to a wide range of loan amounts, from small loans of 1-5 lakhs to larger loans of more than 50 lakhs. Our working hours are flexible, making it convenient for our customers to reach us at their convenience. Trust Manaswi Enterprises for all your loan needs.

Praveen from Hyderabad

""I had an exceptional experience with manaswi Enterprises while applying for my personal loan. He was extremely responsive and helpful throughout the process. Despite already iam having a personal loan and being rejected by other banks due to eligibility issues, Hemanth made it possible for me to secure another loan. I'm thoroughly impressed with the service and grateful for the assistance. Thank you very much! I'm fully satisfied and would highly recommend your services.""

Bhuvanesh from Hyderabad

"Iam really satisfied to the my process. And excellent service they working genuinely "

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Loans Click Financial Services

Ganesh Street, Jangaon, 0

+918048097793

Loans

Response Time: Within 15 MinsDistance: 83.62 Kms

The financial services business operating in Hyderabad and Andhra Pradesh has been a prominent player in the loan sector for several years, catering to diverse financial needs across the region. With a focus on serving clients efficiently and effectively, they offer a range of loan products tailored to individual requirements. Their loan portfolio includes options such as Commercial Building Loans, Industrial Building Loans, Residential Building Loans, and Plot Loans, enabling individuals and businesses to finance various real estate ventures. Additionally, they provide loans for purchasing Four Wheelers, both new and used, facilitating easy access to vehicle ownership. For those seeking financial assistance against property assets, the company offers Loan Against Property (with or without collateral) and Loans Against Rent Receivables, providing liquidity while leveraging existing assets. They cater to a wide range of loan amounts, from less than 1 lakh to more than 50 lakhs, ensuring accessibility for clients with varying financial needs. Moreover, the company extends its services to individuals with diverse credit profiles, including Non-CIBIL defaulters, ensuring inclusivity in their lending practices. They assess loan eligibility based on factors beyond traditional credit scores, enabling a broader spectrum of clients to access financing solutions. With a commitment to professionalism, transparency, and customer satisfaction, the financial services business continues to be a trusted partner for individuals and businesses seeking reliable loan services in Hyderabad and Andhra Pradesh. "Loans Click Financial Services is a leading financial solutions provider in Kukatpally. With a team of experienced professionals, we have been serving our clients since 2020. We specialize in a wide range of loan services including home loans, mortgage loans, personal loans, and more. Whether you need a loan for 6 - 10 lakhs or more than 50 lakhs, we have got you covered. Our services also include loans against property, balance transfer, and loans for non-CIBIL defaulters. We offer customized solutions for both residential and commercial properties. Visit us for hassle-free and transparent loan processing.

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Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, loan against property, home loans, vehicle loans, car loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Loan Against Property?

Business Expansion: If you are an entrepreneur or business owner looking to expand your business, a LAP can provide the necessary capital. The lower interest rates compared to unsecured loans make it a cost-effective option for funding significant business activities such as opening new branches, purchasing equipment, or increasing inventory.
Debt Consolidation: When you have multiple high-interest debts, consolidating them into a single LAP can reduce your overall interest burden. This simplifies repayment and can lead to significant savings on interest payments over time.
Large Personal Expenses: LAP is suitable for financing large personal expenses such as:
- Higher education: Funding your or your child's education, especially if studying abroad.
- Medical emergencies: Covering substantial medical expenses not fully covered by insurance.
- Weddings: Financing wedding expenses, which can be substantial in some cultures.
Home Renovation or Improvement: If you plan to renovate or improve your property, taking a LAP can be a good option. It allows you to use the property itself to generate funds for its enhancement, potentially increasing its value further.
Investment Opportunities: When a lucrative investment opportunity arises, a LAP can provide the necessary funds. However, ensure that the expected returns outweigh the cost of the loan to avoid financial strain.
Tax Benefits: In some jurisdictions, interest paid on a LAP used for specific purposes such as business or home renovation may be eligible for tax deductions. Consult with a tax advisor to understand the potential tax benefits in your case.
Lower Interest Rates: LAPs generally have lower interest rates compared to personal loans or credit cards because they are secured by property. If you qualify for favorable interest rates, this can make LAP an attractive option for financing needs.
Longer Repayment Tenure: LAPs typically offer longer repayment tenures compared to unsecured loans, which can result in lower monthly installments and reduced financial pressure. This can be advantageous if you need a substantial amount of money and prefer manageable monthly payments.

2. Eligibility Criteria for Taking a Loan Against Property?

Age: The applicant should typically be between 21 to 65 years old. Some lenders may have slightly different age criteria, but generally this range is standard for most financial institutions.
Income: For salaried individuals, a consistent income with a minimum required salary is essential. Self-employed individuals need to show a stable income from their business or professional practice, with lenders often requiring a minimum annual income based on business turnover and profitability.
Employment Stability: Salaried individuals need at least 2-3 years of continuous employment, with a minimum of 1 year in the current job. Self-employed individuals should have a minimum of 3-5 years in their current business or profession to demonstrate stability.
Property Ownership: The pledged property must be owned by the applicant and can be residential, commercial, or industrial. It should be free of disputes and have clear title ownership to qualify as collateral.
Credit Score: A good credit score, usually 650 or higher, is crucial for loan approval. A higher score can result in better loan terms and interest rates, reflecting the applicant's creditworthiness.
Property Valuation: The loan amount is typically 50% to 70% of the property's market value. Lenders assess the property's condition, location, and marketability to determine its valuation.
Documentation: Required documents include identity proof, address proof, income proof, property documents, and bank statements. Self-employed individuals may need to provide additional documents like business continuity proof, balance sheets, and profit & loss statements.
Existing Liabilities: Lenders evaluate existing debts and financial obligations to assess the applicant's repayment capacity. This helps determine the overall financial health and risk involved in lending.
Purpose of the Loan: Lenders may inquire about the loan's purpose, such as business expansion, debt consolidation, education, or medical expenses. Knowing the loan's purpose helps in assessing its appropriateness and risk.
Loan Tenure: Loan tenure typically ranges from 5 to 15 years, with some lenders extending up to 20 years based on the applicant's profile and the lender's policies. Longer tenure may affect the overall interest paid.
Additional Considerations: Lenders may have additional requirements or specific eligibility criteria based on their internal policies and risk assessment frameworks. Comparing offers from different lenders can help find the most suitable terms and conditions.

3. What are the Benefits and Advantages of a Loan Against Property?

Lower Interest Rates: The secured nature of LAP means lenders offer lower interest rates compared to unsecured loans. Additionally, the longer repayment tenures, ranging from 5 to 15 years, lead to lower EMIs and easier repayment schedules.
High Loan Amount: LAPs provide substantial financing, with loan amounts often up to 60-70% of the property's market value. This significant fund can be used for various purposes such as business expansion, education, or medical emergencies.
Retain Property Ownership: Borrowers retain ownership of their property while using it as collateral. This means they can continue to use the property and benefit from any increase in its value over time.
Flexible Repayment Options: Borrowers can choose repayment tenures that fit their financial situation, from short-term to long-term options. Additionally, many lenders allow prepayment or foreclosure with minimal charges, reducing the overall interest burden.
Tax Benefits: If the loan is used for business purposes, the interest paid can be claimed as a business expense, reducing taxable income. Loans used for home renovation or purchase may also qualify for tax benefits under Section 24(b) of the Income Tax Act.
Improved Credit Score: Regular and timely repayment of the loan can positively impact the borrower’s credit score, improving their creditworthiness for future borrowings.
No Restriction on Usage: LAPs offer flexible utilization, allowing borrowers to use the funds for any purpose without stringent restrictions, making it a versatile financial solution.
Leverage Idle Property: Property that is not generating income can be leveraged to secure a loan, effectively turning a non-liquid asset into usable funds, thus monetizing idle property.

4. Important Factors to Consider When Taking a Loan Against Property?

Property Valuation: Understand the current market value of your property as it determines the loan amount you can avail. Note that the lender's valuation might differ from your expectations.
Loan-to-Value Ratio (LTV): Lenders typically offer 60% to 80% of the property's value. Higher LTV ratios might attract higher interest rates, so it’s essential to consider this when applying.
Interest Rates: Choose between fixed and floating interest rates. Fixed rates remain constant while floating rates can change with market conditions. Comparing rates from different lenders can help you find the most competitive offer.
Repayment Terms: Loan tenures can range from 5 to 20 years or more, with longer tenures resulting in lower EMIs but higher overall interest payments. Check for any prepayment or foreclosure charges as well.
Eligibility Criteria: Lenders assess income stability and repayment capacity, so ensure you have sufficient income to meet the EMIs. A higher credit score can increase approval chances and result in better terms.
Processing Fees and Other Charges: Be aware of processing fees, legal charges, valuation fees, and administrative costs. Watch out for hidden charges that could increase the overall cost of the loan.
Documentation: Ensure you have all necessary property documents such as the title deed and property tax receipts, as well as personal financial documents, ID proofs, and address proofs.
Purpose of the Loan: Clearly define the loan's purpose, whether for business expansion, education, medical expenses, or home renovation. Ensure the purpose justifies the interest and principal repayments.
Legal and Regulatory Factors: Ensure the property has a clear title and is free from legal disputes. Verify that it complies with local municipal regulations and zoning laws.
Risks and Contingencies: Consider the risk of default and the implications of losing your property. Maintain an emergency fund to cover EMIs in case of unforeseen financial difficulties.

5. Loan Against Property Interest Rates?

Bank	Interest Rate (p.a.)	Processing Fee	Loan Amount	Tenure
HDFC Bank	8.50% - 10.00%	Up to 1.00% of loan amount	Up to ₹5 crore	Up to 15 years
ICICI Bank	8.90% - 9.75%	Up to 1.00% of loan amount	Up to ₹5 crore	Up to 15 years
State Bank of India (SBI)	7.90% - 9.50%	0.35% of loan amount (max ₹10,000)	Up to ₹7.5 crore	Up to 15 years
Axis Bank	9.00% - 11.00%	Up to 1.00% of loan amount	Up to ₹5 crore	Up to 20 years
Kotak Mahindra Bank	9.25% - 11.25%	Up to 1.00% of loan amount	Up to ₹3 crore	Up to 15 years
Bank of Baroda	8.15% - 9.85%	1.00% of loan amount	Up to ₹10 crore	Up to 15 years
Punjab National Bank (PNB)	8.40% - 10.05%	1.00% of loan amount	Up to ₹5 crore	Up to 15 years
Canara Bank	8.75% - 10.30%	Up to 1.00% of loan amount	Up to ₹5 crore	Up to 10 years
IDFC First Bank	9.50% - 11.00%	Up to 1.50% of loan amount	Up to ₹10 crore	Up to 20 years
Union Bank of India	8.25% - 10.00%	Up to 1.00% of loan amount	Up to ₹10 crore	Up to 15 years

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

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Most Common Questions About Loan Against Property

1. Who are the best Loan Against Property providers in Ganesh Street, Jangaon?

Bilakanti Data Management Solutions Pvt Ltd
Manaswi Enterprises
Loans Click Financial Services

2. What documents are required for a Loan Against Property?

To apply for a Loan Against Property, you'll typically need identity proof (like Aadhaar or PAN card), address proof, property documents, income proof (salary slips or IT returns), and bank statements for the last 6-12 months.

3. What are the eligibility criteria for a Loan Against Property?

Eligibility criteria include being an Indian resident, aged between 21 to 65 years, with a stable income. Both salaried and self-employed individuals can apply, and the property should be free of legal issues.

4. How do I apply for a Loan Against Property online?

To apply online, you can fill out the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Also you can visit the lender's website, fill out the application form with required details, upload the necessary documents, and submit. The lender will review your application and contact you for further steps.

5. How can I get an instant Loan Against Property?

Instant loans against property are available from select lenders with streamlined processes. You need to have all documents ready and apply through their quick approval portals, often getting approval within 24-48 hours.

6. What is the percentage rate for Loan Against Property?

Interest rates for a Loan Against Property typically range from 8% to 15% per annum, depending on the lender, loan amount, tenure, and your credit profile.

7. Can I get a Loan Against Property with a low CIBIL score?

Yes, it is possible, but a low CIBIL score might result in higher interest rates and stricter terms. Some lenders specialize in providing loans to individuals with lower credit scores.

8. What is the processing fee for a Loan Against Property?

Processing fees for a Loan Against Property generally range from 0.5% to 2% of the loan amount, varying by lender. Additional charges like legal fees and valuation charges may also apply.

9. Can I get a Loan Against Property with a bad credit score?

Getting a loan with a bad credit score is challenging but not impossible. You may face higher interest rates and stringent conditions. Some lenders may require a guarantor or additional collateral.

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Top Loan Against Property in Ganesh Street, Jangaon

What type of mortgage loan do you need?

Find the Top Loan Against Property Loan Providers from Sulekha in Ganesh Street, Jangaon

Bilakanti Data Management Solutions Pvt Ltd

Manaswi Enterprises

Loans Click Financial Services

Recently Connected Loans in Jangaon

Why Choose Sulekha?

1. When to Consider Taking Out a Loan Against Property?

2. Eligibility Criteria for Taking a Loan Against Property?

3. What are the Benefits and Advantages of a Loan Against Property?

4. Important Factors to Consider When Taking a Loan Against Property?

5. Loan Against Property Interest Rates?

Most Common Questions About Loan Against Property

1. Who are the best Loan Against Property providers in Ganesh Street, Jangaon?

2. What documents are required for a Loan Against Property?

3. What are the eligibility criteria for a Loan Against Property?

4. How do I apply for a Loan Against Property online?

5. How can I get an instant Loan Against Property?

6. What is the percentage rate for Loan Against Property?

7. Can I get a Loan Against Property with a low CIBIL score?

8. What is the processing fee for a Loan Against Property?

9. Can I get a Loan Against Property with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application