D - 182, Main Road, West Vinod Nagar, Delhi-110092 011-22473813 info@dhansanchai.in 10:00 AM - 07:00 PM (Lunch: 02:00 PM - 02:30 PM, Tue Closed)
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Loan Against Property

Loan Against Property

Unlock the value of your real estate assets with our secure property loans.

Key Features
  • High Value Loans
  • Longer Repayment Tenure
  • Secure Process
Eligibility
  • Property Ownership
  • Clean Title Deed
  • The property must be located in Delhi and supported by a valid Registered Sale Deed/Conveyance Deed (Pakki Registry).
  • The applicant must be a member of DHAN SANCHAI CO-OPERATIVE THRIFT & CREDIT SOCIETY LTD.
  • The loan amount shall be sanctioned subject to the applicant's repayment capacity, CIBIL score, and satisfactory verification reports.
  • The maximum loan amount shall be up to ₹10,00,000/- (subject to eligibility and approval).
Required Documents
Required Documents

Personal Documents

  • Aadhaar Card (Self-Attested Copy) Must
  • PAN Card (Self-Attested Copy) Must
  • Four (04) Recent Passport Size Photographs
  • Latest Electricity Bill or Water Bill of Residence Must
  • Income Proof (Mandatory)

Guarantor Documents (Two Guarantors Mandatory)

Each Guarantor shall submit:

  • Aadhaar Card
  • PAN Card
  • Latest Electricity Bill/Water Bill
  • Two Passport Size Photographs
  • Income Proof (if required by the Society)

Property Documents

  • Original Registered Property Documents (Pakki Registry)
  • Complete Chain of Property Documents (if applicable)
  • Latest Property Tax Receipt (if available)
  • Any other documents as required by the Society.

Mandatory Verifications

The following verifications are compulsory before loan sanction and disbursement:

  • Applicant's Residence Verification.
  • Physical Verification of the Property offered as security.
  • Two Guarantors Verification.
  • Income Verification of the Applicant.
  • CIBIL Score and Credit History Verification.
  • Property Documents Verification.
  • Legal Verification of the Property.
  • Bank Account Verification.
  • Office/Business Address Verification (wherever applicable).
Interest Rate

15% p.a.

Loan Tenure

Up to 100 Months

Terms & Conditions

Terms & Conditions

  1. House Property Loan of up to ₹10,00,000/- shall be available only against Delhi Registered Residential Properties (Pakki Registry).
  2. Submission of all required documents shall not guarantee loan approval. Loan sanction shall be subject to the Society's internal credit policy and approval by the competent authority.
  3. Two Guarantors are mandatory for House Property Loans.
  4. Income Proof and satisfactory repayment capacity are mandatory for loan eligibility.
  5. CIBIL Score and Credit History of the applicant shall be verified before loan sanction. The Society reserves the right to reject any loan application based on adverse credit history or unsatisfactory repayment capacity.
  6. Physical verification of the applicant's residence and the property offered for loan is mandatory.
  7. The Society reserves the right to conduct legal, technical, and field verification of all documents and information furnished by the applicant and guarantors at any stage of the loan process.
  8. Original Property Documents shall remain deposited with the Society until full repayment and closure of the loan account.
  9. In case any document or information furnished by the applicant or guarantors is found to be false, misleading, incomplete, or forged, the Society shall have the absolute right to reject or cancel the loan application and initiate appropriate legal proceedings.
  10. The borrower shall ensure timely repayment of all EMIs/installments. In case of default, the Society shall be entitled to initiate recovery proceedings and take legal action in accordance with its Bye-Laws and applicable laws.
  11. The Management Committee reserves the right to amend, modify, or withdraw any of the above terms and conditions without prior notice.
  12. 1% of the loan amount will be deducted for the Kalyan Fund and 1% for the Building Fund.
  13. If a member takes a loan and wishes to close it within the same month, the full interest for that month will be charged.
  14. If the installment is not deposited by the 10th, an additional interest of 3% will be charged after the 10th.

Other Loan Products

Emergency Loan Personal / Regular Loan Loan Against Deposit Loan Against Gold
Apply Now
+91 9667693829
info@dhansanchai.in
10:00 AM - 07:00 PM

Lunch: 02:00 PM - 02:30 PM (Tue Closed)