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Loan Against Property Sbi

Apply for Best Loan Against Property in Sbi
Professional Details
Loan Amount:
Occupation:
City:
Annual Income:
 
Banks up to 30 lacs 30-75 lacs 75 & above Processing fees
HDFC
12.75% 12.75% 12.75%

1%+ service Tax

Ing vysya
12% to 13% 12% to 13% 12% to 13% 1%
ICICI Bank
12.05% 12.05% 12.05% 1% + service tax
Axis Bank
13% 13% 13% 1%
India Bulls
12.50% 12.50% 12.50% 1%+service Tax
Fullerton
15.5% 15.5% 15.5% 1% of the loan amount

Benefits of the SBI Advantage Loan Against Property:

  • Complete transparency in operations
  • Accessibility of loan through wide network of branches
  • Interest rates are levied on a monthly/daily reducing balance method.
  • Lowest processing charges.
  • Long repayment period of 60 months, upto 120 months for salaried individuals with check-off facility
  • No Hidden costs or administrative charges.
  • No prepayment penalties. You can have surplus funds at any time thereby conveniently reducing your loan liability and interest burden.
  • Availability of an All-Purpose loan against Property. SBI offer you these loans at all Personal Banking Branches and those branches having Personal Banking Divisions amongst others.
 

Eligibility: You are eligible if you are:

A. An individual who is;
a. An Employee or
b. A Professional, self-employed or an income tax assesse or
c. Engaged in agricultural and allied activities.

B. Your Net Monthly Income (salaried) is in excess of Rs.12,000/- or Net Annual Income (others) is in excess of Rs.1,50,000/-.

The income of the spouse may be added if he/she is a co-borrower or a guarantor.

C. Maximum age limit: 60 years.

Processing Fees - 2% of the loan amount [inclusive of the service tax]. Max of Rs. 50,000/-

Loan Amount

Minimum: Rs.25,000/-
Maximum : Rs.1 crore. The amount is decided by the following calculation:

  • 24 times the net monthly income of salaried persons (Net of all deductions including TDS) OR

2 times the net annual income of others (income as per latest IT return less taxes payable)

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