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A loan against property can be an ideal financing option for pursuing higher education. Higher education often comes with significant costs, including tuition fees, accommodation expenses, and other educational resources. By using a property as collateral, individuals can secure a loan with favorable interest rates and longer repayment periods. This type of loan provides access to a substantial amount of funds, enabling students or their parents to cover the expenses associated with higher education. Whether it's funding a college degree, postgraduate studies, or specialized courses, a loan against property offers a reliable means to bridge the financial gap and invest in one's educational aspirations. It provides the flexibility and support needed to pursue educational goals without compromising on the quality of education or future prospects.
LoanMoney serves as the registered and authorized Direct Selling Agent for a diverse range of National, Multinational, and Non-Banking Financial Companies. Our priority is to simplify your loan-taking journey through an efficient lending process. Take advantage of our services by applying for a Loan Against Property for Higher Education, where you can access the lowest interest rates and enjoy prompt approval.
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Bank Name
Loan Amount
Interest Rate
Special Features
HDFC Bank
Loan Against Property
10 -5000 Lacs
7% - 8%
Term Loan | All Properties | Maximum Eligibility
Eligibility Criteria
Documents
Fees & Charges
ICICI Bank
Loan Against Property
10 - 25 Crore
7.50% - 8.50%
Get 80% DOD & 20 % LAP
Eligibility Criteria
Documents
Fees & Charges
Axis Bank
Loan Against Property
5Lakhs - 25 Crore
7% - 8%
No Charges for Minimum Usage on DOD
Eligibility Criteria
Documents
Fees & Charges
Kotak Mahindra Bank
Loan Against Property
10Lakhs - 5 Crore
7 % Onwards
Loan Eligibility Up to 200% Of Income
Eligibility Criteria
Documents
Fees & Charges
Citi Bank
Loan Against Property
5 Lakh - 5 Crore
7.50% - 8%
Term Loan with OD Facility
Eligibility Criteria
Documents
Fees & Charges
IDFC First Bank
Loan Against Property
5 Lakhs- 10 Crore
8.50% - 9.50%
Loan Tenure Upto 20 Yr. & Loan Up to 90% of Property Value
Eligibility Criteria
Documents
Fees & Charges
Yes Bank
Loan Against Property
5 Lakh To 25 Crore
8.50 % To 9.50%
Higher Loan Amount Facility
Eligibility Criteria
Documents
Fees & Charges
PNB Housing
Loan Against Property
5 Lakh To 10 Crore
9.50 % To 8.00%
High standards of ethics, integrity and transparency
Eligibility Criteria
Documents
Fees & Charges
TATA Capital
Loan Against Property
10 Lakh To 3 Crore
10% to 11%
Quick & Easy Processing
Eligibility Criteria
Documents
Fees & Charges
Aditya Birla Capital
Loan Against Property
10 Lakh To 10 Crore
11% To 13.25%
Loan Tenure: Upto 20 years
Eligibility Criteria
Documents
Fees & Charges
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Basically, the bank looks at your repayment capacity. For calculating the loan amount, your income, age, eligibility, number of dependents, the income of spouse, assets, liabilities, stability, and business continuity and savings history are taken into consideration. However, the loan eligibility generally does not exceed 60 percent of the market value of the property.
You can include your spouse as a co-applicant and as a result, more amount is borrowed. However, if the property is co-owned, all the co-owners must mandatorily be co-applicants.
The processing fee for a loan against any property varies from bank to bank and is generally around 1 percent.
Interest is calculated on the daily decreasing balance. Your monthly out-go (Equated Monthly Installment - EMI) is very less as compared to the interest on the annual reducing balance.
If you want to choose a moratorium on term loans, know that it will not impact your credit score. Factors influence your credit scores such as total outstanding, repayment history, credit utilizati...
Read MoreThe Reserve Bank of India (RBI) recently announced Moratorium 2.0 and borrowers can want to defer their EMIs for a further term of three months, i.e. from June 20 to August 20. Moratori...
Read MoreThe Rs 3 lakh crore emergency credit borrowing scheme for Micro, Small and Medium Enterprises (MSMEs) announced by the Modi govt on May 12 will also cover retailers and other businesses. Emergency ...
Read MoreB-134, Third Floor, DDA Shed
Okhla Industrial Area,
Phase - 1
New Delhi - 110020
Mon-Sat | 10:00 - 06:00 |
Sunday | Online |