What is a loan against property?

You keep living in or using the property and raise funds against it. Perfect Finance writes LAP from ₹1 lakh to ₹10 lakh, tenure 1 to 8 years, for education, marriage, medical needs, renovation or a lawful balance transfer.

Do you give loan against GPA or power of attorney property in Delhi?

Yes, under Perfect Plus, if the property is self-occupied, in your possession, not already mortgaged, and not on our negative-area list. Family-transfer and Lal Dora are also considered.

Is loan against property available in Gurugram, Noida and Faridabad?

Yes, where Perfect Finance has a branch. We currently serve Delhi, Gurugram, Noida, Faridabad and Ghaziabad.

Will a bank take GPA property as security?

Most banks will not. Perfect Plus is built for self-occupied GPA, family-transfer and Lal Dora homes in Delhi NCR, assessed in person.

Put your property to work

Loan Against Property in Delhi NCR

Most requested

संपत्ति के विरुद्ध लोन

Mortgage finance against eligible residential or commercial property for your business and family’s needs — education, a wedding, medical needs, renovation or a balance transfer.

₹1 L – ₹10 L · 1 – 8 years

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Top-up

Regular top-ups for existing customers

Eligible existing Home Loan and Loan Against Property customers can explore additional funds against the same property, subject to assessment and approval.

Apply for a top-up

At a glance

Built-up residential and commercial properties
Loan amount ₹1 lakh to ₹10 lakh
Tenure 1 to 8 years
Salaried and self-employed

Who it’s for

Age 25+, not more than 65 at maturity
Bank account required
City with a Perfect Finance office
All owners and income-contributors as co-applicants
Guarantor as per underwriting

End use

Purchase, acquisition or renovation of property
Higher education of children
Marriage in the family
Medical expenses
Travel
Balance transfer of an existing LAP
Any other lawful end use

Documents

Formal papers help. If you do not have ITR or salary slips, the on-site team writes a cash-flow report.

KYC and photographs
Registered sale deed and chain of title
Bank statements (6 months)
On-site income assessment if you do not have ITR / Form 16

Individual experiences may vary. Approval, pricing, eligibility, documentation and disbursal are subject to applicable policies, verification, terms and conditions.

Questions people ask

What is a loan against property?: You keep living in or using the property and raise funds against it. Perfect Finance writes LAP from ₹1 lakh to ₹10 lakh, tenure 1 to 8 years, for education, marriage, medical needs, renovation or a lawful balance transfer.
Do you give loan against GPA or power of attorney property in Delhi?: Yes, under Perfect Plus, if the property is self-occupied, in your possession, not already mortgaged, and not on our negative-area list. Family-transfer and Lal Dora are also considered.
Is loan against property available in Gurugram, Noida and Faridabad?: Yes, where Perfect Finance has a branch. We currently serve Delhi, Gurugram, Noida, Faridabad and Ghaziabad.
Will a bank take GPA property as security?: Most banks will not. Perfect Plus is built for self-occupied GPA, family-transfer and Lal Dora homes in Delhi NCR, assessed in person.

Also look at

Loan against property GPA / power of attorney loan Home loan Delhi NCR Loan without ITR Loans in Delhi NCR Loans in Gurugram