Nitthish Finance

Loan Against Property (LAP)

A Loan Against Property from Nitthish Finance helps you unlock the value of your property to meet important financial needs. Whether you are expanding your business, managing expenses, funding education, or planning for a major opportunity, our flexible financing solutions provide the support you need while allowing you to continue owning and using your property. With a simple process, transparent terms, and personalized assistance, Nitthish Finance helps turn the value of your property into opportunities for growth.

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Key Features

Higher Loan Amount

From 50,000 to 25 Lakh

Flexible Repayment Options

24 to 180 months

Interest Rates

Starting at 18% p.a

Loan Against Property
Who Can Apply?

Eligibility Criteria

  • Age: 25 to 65 years for salaried; 25 to 70 for self-employed
  • Employment: Minimum 2 years for salaried; 3 years for self-employed
  • Minimum income: ₹25,000 per month for salaried; ₹3 lakh per annum for self-employed
  • CIBIL score: Minimum 700; 750+ preferred for best rates
  • Property type: Residential, commercial, or industrial with clear title
  • Property age: Well-maintained; approved by lender's valuation team
  • Nationality: Indian resident
Application Documents

Documents Required

Identity and address proof

  • Aadhaar card
  • PAN card
  • Voter ID or passport
  • Utility bill for address verification

Income Proof

  • Salaried: Latest 3 months' salary slips, Form 16 for 2 years, ITR
  • Self-employed: ITR for 2-3 years, audited financials, GST returns
  • Bank statements: Last 6-12 months of primary account
Property Verification

Required Property Documents

  • Sale deed or title deed
  • Chain of title documents
  • Encumbrance certificate
  • Property tax receipts (latest)
  • Building plan approvals
  • Occupation certificate (for residential)
  • Society or association NOC (if applicable)
Loan Information

Interest Rates & Charges

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