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Loans

Loan Against Property

Get a loan against residential or commercial property; buy new property or refinance existing loans.

 

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Lease Rental Discounting

Avail of Lease Rental Discounting

Balance Transfer

Carry over your existing loan with additional refinance

Loan Amount

Minimum - Rs. 2,00,000
Maximum - Rs. 500,00,000

Attractive Interest Rates

Starting from 11.40%

Features and Benefits

Scheme Asset Power (Loan Against Property) Dropline Overdraft Against Property /
Commercial OD against Property
Loan Against Rent Receivables
Loan Processing Charges 1% + Service tax as applicable 1% + Service tax as applicable 1% + Service tax as applicable
Pre- Prepayment/
Foreclosure Charges
If any of the borrower is a non individual - 2% will be charged, if the amount pre-paid exceeds 25% of the principal outstanding during a quarter, otherwise no prepayment penalty. The quarter refers to calendar quarter. However no prepayment will be allowed in the first quarter after taking the loan.

If all borrowers are individuals - Nil
Foreclosure charges: 2% will be charged on the limit set for the specific year in which the limit is being foreclosed. If any of the borrower is a non individual - 2% will be charged, if the amount pre-paid exceeds 25% of the principal outstanding during a quarter, otherwise no prepayment penalty. The quarter refers to calendar quarter. However no prepayment will be allowed in the first quarter after taking the loan.

If all borrowers are individuals - Nil
No Due Certificate NA NA NA
Solvency Certificate NA NA NA
Charges for Late Payment of EMI Penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s Penal interest @24% per annum i.e. @ 2% per month on the overdue amount/s Penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s
Stamp Duty & other statutory charges As per applicable laws of the state As per applicable laws of the state As per applicable laws of the state
Cheque Bounce Charges Rs 500/- per instance Rs 500/- per instance Rs 500/- per instance
Cheque swapping charges Rs. 500/- plus service tax as applicable Rs. 500/- plus service tax as applicable Rs. 500/- plus service tax as applicable
Duplicate statement issuance charges Rs. 250/- per instance Rs. 250/- per instance Rs. 250/- per instance
Issuance Charges for Photocopy of Title Deeds Rs 250/- per document set Rs 250/- per document set Rs 250/- per document set
Credit Report Issuance Charges Rs. 50/- Rs. 50/- Rs. 50/-

Purchase Of Commercial Property (Standard Product): Base Rate + 3.25%, ROI-12.75%

Reverse Mortgage Loan: Base Rate + 3.25%, ROI-12.75%

Lease Rental Discounting: Base Rate + 3.25%, ROI-12.75%

Overdraft Facility Against Property: Base Rate + 4.00%, ROI-13.50%



HAVE QUERIES?

  • What is the turn around time for decisioning a Loan Agaianst Prperty application?

Axis Bank will convey its decision within 30 working days from the date of receipt of the application provided the application...

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  • What is the location and the timings of the Axis Bank Loan Center closest to me?

For a complete list of Axis Bank Loan Center addresses and hours of service, please click here

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  • What are the different property types considered under the Loan Against Property scheme?

Axis Bank Loan Against Property can be availed for a self-occupied residence or a commercial property.

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