Aditya Birla Loan Against Property

• 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.

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. ​​