✔️Is there a processing charge on the Shubham Housing Finance LAP Loan?

Yes, you will have to pay processing fees ranging between ₹9,500 to ₹27,000 plus GST depending on the loan amount you avail.

Shubham Housing Finance Loan Against Property

Apply For Shubham Housing Finance Loan Against Property

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Salaried Employee

Business Owner

✓ Loan Against Property from ₹2 Lakhs to ₹15 Cr ✓ Multiple Lending Partners ✓ Interest Rates Starting @ 9.24% Apply Now

Shubham Housing Finance provides financial assistance through loans and you can avail these instruments on Bajaj Markets. Its financial product suite has many options, among which is the loan against property (LAP).

The Shubham Housing Finance loan against property is one you can rely on when you need urgent funds. You can avail it for business requirements or your personal needs without any restrictions.

However, to address emergency cash requirements, you are required to pledge self-owned property as collateral. Read on to know more about the Shubham Housing Finance loan against property and how you can avail of this facility.

Features & Benefits

High Loan Amounts

You can borrow as much as ₹20 Lakhs by pledging your residential house property as collateral.

Reasonable Interest Rates

The interest rates on loan against property from Shubham Housing Finance are also reasonable, starting from 13.90% p.a.

Flexible Repayment Tenure

You can choose a repayment tenure going up to 120 months or 10 years, based on what’s convenient for you.

Zero Foreclosure Charges

If you want to settle your liabilities before the tenure, you can foreclose your Shubham Housing Loan against property without paying any foreclosure charges.

Easy Eligibility Criteria

The Shubham Housing Finance loan against property is available for both salaried and self-employed people. The relaxed LAP eligibility criteria make it accessible for people from all walks of life.

Shubham Housing Finance Loan Against Property Eligibility

If you are considering availing this loan, you need to first check the Shubham Housing loan against property eligibility:

The applicant must be above 21 years
The applicant should not be above 70 years of age at the time of loan maturity
The applicant should have a bank account
The applicant should be residing in a city that has a branch office of Shubham Housing Development Finance
All the owners of the collateral property and all the individuals whose income has been considered for the loan should be co-applicants

How to Apply for Shubham Housing Loan Against Property Online

The process to apply for a Shubham Housing Finance loan against property online is quick and easy. Here is what you need to do.

Apply on this page

Click on 'Apply Now' on this page
Choose the partner from the list

Select Shubham Housing Finance Limited as your lending partner
Enter the required details

Enter the amount you need, and fill in the details of the property that you are pledging as collateral
Know your loan details

Find out the details of your loan, such as the charges and the net amount to be disbursed

Documents Required for Shubham Housing Finance Loan Against Property

Before you apply for a Shubham Housing Finance loan against property, you need to ensure that you have all the required paperwork in order. This makes the application and approval process much easier and quick.

Check out the documents required for Loan Against Property for salaried and self-employed applicants.

1. Salaried Applicants:

Application form with all required details duly filled in
Proof of identity (such as PAN card, voter ID, Aadhaar card, or passport)
Proof of address (such as electricity bill, utility bill, ration card, or latest salary slip)
Bank passbook or bank account statement
Income Tax Returns, if available
Copies of the property papers

2. Self-employed Applicants:

Application form with all required details duly filled in
Proof of identity (such as PAN card, voter ID, Aadhaar card, or passport)
Proof of address (such as electricity bill, utility bill, or ration card)
Income proof documents, if available
Bank passbook or bank statements
Copies of the property papers

Any salaried or self-employed individual who is aged 21 years or above can apply for a Shubham Housing Loan loan against property. They should be residing in a city that has a branch office of Shubham Housing Development Finance.

You can avail of a loan against property from Shubham Housing Finance via the Bajaj Markets website or app.

The EMI calculator on Bajaj Markets is 100% accurate, and will display results based on your inputs.

The current Shubham Housing Finance loan against property interest rate starts at 13.90% p.a.

The maximum tenure for a Shubham Housing Finance loan against property is 120 months or 10 years.

Calculating your Shubham Housing Finance LAP EMI in advance helps you to plan your budget better, which in turn, facilitates timely repayments of EMIs. Moreover, you can also compare different loan amounts and repayment tenures to determine which one suits your financial requirements the best.

The EMIs for the loan against property can be paid through Electronic Clearing Services (ECS) or National Automated Clearing House (NACH).