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BAJAJ FINSERV DIRECT LIMITED

₹30 Lakh Loan Against Property

Assessing the EMIs for a ₹30 Lakh loan against property across various terms is essential to select the one that suits your repayment capacity.

Your Monthly Loan EMI

₹ 38,819

Total Interest

₹ 1,658,312

Principal Amount

₹ 30,00,000

Total Payable Amount

₹ 46,58,312

Loan Amount

Interest Rate

- +

Tenure

- +

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You can easily compare Loan Against Property (LAP) offers from multiple lenders on Bajaj Markets.

Take a ₹30 Lakh Loan Against Property (LAP) to address your diverse financial needs with no restrictions. By pledging your high-value property as collateral, you can access funds without limitations.

A ₹30 Lakh loan is a significant sum, requiring careful planning to manage effectively. Understanding the repayment amounts for various tenures and the payment schedules will enable you to select the most suitable plan for more manageable repayment.

Bajaj Markets offers a smooth borrowing experience with its fully online application process and minimal formalities.

EMIs for a Loan Against Property of ₹30 Lakhs at Varying Tenures

A longer tenure lowers your EMIs for a ₹30 Lakh loan against property, but results in higher total interest payments. You can easily calculate the amounts using a loan against property EMI calculator.

Below is a table showing the EMI for different tenures, based on an annual interest rate of 9.50%:

Loan Amount	Tenure	EMI Value
₹30 Lakh	5 Years	₹63,006
₹30 Lakh	10 Years	₹38,819
₹30 Lakh	15 Years	₹31,327
₹30 Lakh	20 Years	₹27,964
₹30 Lakh	25 Years	₹26,211
₹30 Lakh	30 Years	₹25,226

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Detailed Breakup of a Loan Against Property of ₹30 Lakhs for 10 Years

For a ₹30 Lakh loan, the table below shows the EMI for a 10-year tenure, total interest charges, and the total payable amount:

Loan Amount	₹30 Lakhs
Interest Rate	9.50% p.a.
Loan Tenure	10 years
EMI Payable	₹38,819
Total Interest Payable	₹16,58,312
Total Payable Amount	₹46,58,312

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Detailed Breakup of a Loan Against Property of ₹30 Lakhs for 20 Years

Below is the detailed repayment structure for a ₹30 Lakh loan against property with a tenure of 20 years:

Loan Amount	₹30 Lakhs
Interest Rate	9.50% p.a.
Loan Tenure	20 years
EMI Payable	₹27,964
Total Interest Payable	₹37,11,345
Total Payable Amount	₹67,11,345

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Detailed Breakup of a Loan Against Property of ₹30 Lakhs for 30 Years

Choosing a long tenure of 30 years can simplify the repayment process by splitting the total amount over an extended period. A comprehensive breakdown of the EMI, total interest, and total amount payable for a ₹30 Lakh loan is given below:

Loan Amount	₹30 Lakhs
Interest Rate	9.50% p.a.
Loan Tenure	30 years
EMI Payable	₹25,226
Total Interest Payable	₹60,81,225
Total Payable Amount	₹90,81,225

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

Lenders Offering a Loan Against Property of ₹30 Lakhs

Choosing the right lender is key to obtaining the best loan terms. Visit Bajaj Markets to explore LAP options and compare terms from multiple lenders. Below is a list of lenders and their starting interest rates:

Financial Institution	Minimum Interest Rate
Sammaan Finserve	9.75% p.a.
PNB Housing Finance	9.25% p.a.
Aditya Birla Finance	10.50% p.a.
Bajaj Housing Finance	9.75% p.a.
L&T Finance	9.60% p.a.
LIC Housing Finance	9.45% p.a.
Home First Finance Company	14.00% p.a.
ICICI Bank	10.60% p.a.
Shubham Housing Finance	13.90% p.a.
Shriram Housing Finance	14.75% p.a.
India Shelter	15% p.a.

Disclaimer: The mentioned rates are subject to change at the lender’s discretion.

Eligibility Criteria and Documents Required for a ₹30 Lakhs Loan Against Property

To secure a loan against property, you must fulfil certain eligibility conditions. Here are the specific requirements for salaried and self-employed applicants when applying with Bajaj Markets:

Age: Between 21 and 70 years
Minimum Monthly Income: ₹30,000
Work Experience: At least 1 year for salaried individuals, and 2 years for self-employed individuals

You also need to submit the following documents for verification:

For Salaried Individuals:

Identity Proof: Aadhaar card, PAN card, Voter ID, Passport, or any government-issued ID
Address Proof: Aadhaar card, Voter ID, Passport, utility bill, Ration card, or any government-issued document
Income Proof: Salary slips for the last 3 months, latest Income Tax Return (ITR), and Form 16
Documents of the property being pledged

For Self-employed Individuals:

Identity Proof: Aadhaar card, PAN card, Voter ID, Passport, or any government-issued ID
Address Proof: Aadhaar card, Voter ID, Passport, utility bill, Ration card, or any government-issued document
Income Proof: Bank statements for the last 6 months, audited financial statements of the business, and ITR filed by the business
Documents of the property being pledged

Other Loan Against Property EMI Options

10 Lakh Loan Against Property	20 Lakh Loan Against Property
40 Lakh Loan Against Property	50 Lakh Loan Against Property
1 Crore Loan Against Property

FAQs on ₹30 Lakh Loan Against Property EMI

What is the EMI for a ₹30 Lakh loan against property?

The EMI for a ₹30 Lakh LAP will vary depending on the interest rate and the chosen tenure. EMI with an interest rate of 9.50% p.a. for 5, 10, 15, 20, 25 and 30 years are as follows:

₹63,006
₹38,819
₹31,327
₹27,964
₹26,211
₹25,226

How can I get ₹30 Lakhs immediately?

You can easily get a ₹30 Lakh loan against your property throughBajaj Markets. Explore the terms that various lenders offer and choose the best option for your needs.

Can I get a ₹30 Lakh loan against property without collateral?

A ₹30 Lakh loan against property is a secured loan. Therefore, you need to pledge your property as collateral to qualify for the loan.

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₹30 Lakh Loan Against Property

EMIs for a Loan Against Property of ₹30 Lakhs at Varying Tenures

Detailed Breakup of a Loan Against Property of ₹30 Lakhs for 10 Years

Detailed Breakup of a Loan Against Property of ₹30 Lakhs for 20 Years

Detailed Breakup of a Loan Against Property of ₹30 Lakhs for 30 Years

Lenders Offering a Loan Against Property of ₹30 Lakhs

Eligibility Criteria and Documents Required for a ₹30 Lakhs Loan Against Property

Other Loan Against Property EMI Options

FAQs on ₹30 Lakh Loan Against Property EMI

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