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Loans

Overdraft facility Against Property

Unlock the potential of your property to avail flexible credit facility

 

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Interest Savings with Overdraft

Pay interest only on utilized limit

Balance Transfer

Carry over your existing loan with additional refinance

Loan Amount

Minimum - Rs. 5,00,000
Maximum - Rs. 500,00,000

Attractive Interest Rates

Starting from 12.0%

Features and Benefits

*Other Charges
Scheme Asset Power (Loan Against Property) Dropline Overdraft Against Property /
Commercial OD against Property
Lease Rental Discounting
Loan Processing Charges  1% or Rs 10,000 (whichever is higher)

Upfront processing fee of Rs 5000 plus GST shall be collected at the time of application login. This fee will not be refunded under any circumstances  such as loan rejection/withdrwal of the loan application etc., non disbursement of loan for the reasons solely attributable to the customer. Balance processing fee as applicable shall be collected at the time of loan disbursement.
1% or Rs 10,000 (whichever is higher)

Upfront processing fee of Rs 5000 plus GST shall be collected at the time of application login. This fee will not be refunded under any circumstances  such as loan rejection/withdrwal of the loan application etc., non disbursement of loan for the reasons solely attributable to the customer. Balance processing fee as applicable shall be collected at the time of loan disbursement.
1% or Rs 10,000 (whichever is higher)

Upfront processing fee of Rs 5000 plus GST shall be collected at the time of application login. This fee will not be refunded under any circumstances  such as loan rejection/withdrwal of the loan application etc., non disbursement of loan for the reasons solely attributable to the customer. Balance processing fee as applicable shall be collected at the time of loan disbursement.
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/- per instance Rs. 500/- per instance Rs. 500/- per instance
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/-



*Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)



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...

  • 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

  • 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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