Aditya Birla Loan Against Property

You can also check Stamp Duty and Registration Charges Online.

• Hassle free mortgage loans against residential or commercial properties for up to 75 crore.
• Get up to 70% of property value against residential & up to 60% against commercial properties.
• Avail funding for extended tenure up to 20 years.
• Lock attractive rate of interest.
• Avail loans for diverse needs.
• Quick & transparent processing & disbursal.
• Opt for flexible EMI options.
• Customised balance transfer options.
• Low processing fee up to 2%.
• 24 month foreclosure lock-in is applicable only to non-individual customers.
• NIL foreclosure charge for individual borrowers.
• For other customers, NIL pre-payment charge for payments up to 25% of outstanding loan in a FY & 4% on amount over the capping.

Aditya Birla offers attractive rate of interest for mortgage loans against residential & commercial properties. The effective Loan Against Property Interest Rates vary according to the customer profile, location and value of property.

• Individual customers: Both salaried & self-employed customers can apply.
• Non-Individuals: Sole-proprietorships, partnership firms, private & public limited companies, corporates and other business units are eligible. 
• Minimum age on application: 21 years.
• Maximum age at loan maturity: 60 years for salaried & 70 years for self-employed.
• Loan eligibility for up to 70% of the residential property value & up to 60% of commercial property value.

To apply for Aditya Birla LAP you need basic documentation including KYC, Financials for last 2 Years & property documents.

KYC: Proof of Identity and Address

• PAN card (Mandatory)
• Any one from following:
  • Adhaar Card
  • Passport
  • Voter's ID card
  • Driving License
  • Job Card issued by NREGA

Proof of Income

• Salaried: Last 3 months salary slips showing all deductions and Form 16
• Self Employed: IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years
• Last 6 months bank statement where salary or income is credited.
• Proof of other Income such as rental receipts etc.

Property Documents

• Copy of Title documents
• and approved sanction plan

You can instantly calculate your eligibility for Aditya Birla Mortgage loan using an online calculator. Simply share the following details:

• Net monthly income 
• Existing monthly obligations
• Type of property: Residential or commercial
• Desired Tenure (max up to 144 months)
• Property Value

According to these details, the calculator will help you determine loan eligibility. You can also take a Commercial Property Purchase Loan Online.

Call Aditya Birla Loan Against Property Customer Care at 1800 270 7000 for your queries and complaints.

You can write email at: care.finance@adityabirlacapital.com. ​​