Shubham Housing Finance Loan Against Property

Shubham Housing Finance Loan Against Property lets you unlock the value of your property with ease. Borrow up to ₹20 Lakhs at interest rates starting at 13.90% p.a., with flexible repayment terms of up to 15 years.

With straightforward eligibility and a fast approval process, it is a hassle-free solution for your personal or business financial needs.

Here are the rates and charges for a Shubham Housing Finance Loan Against Property:

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

Apart from the interest rate and processing fee, Shubham Housing Finance LAP may levy additional charges based on the services you choose. Here are the key fees and charges which may be applicable:

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

Shubham Housing Finance offers Loan Against Property solutions to cater to a variety of financial needs, including:

• Loan Against Property

This secured loan lets you mortgage your residential or commercial property to raise funds. You can use the amount for business growth, education expenses, medical needs, or other personal purposes

• Loan Against Property Balance Transfer

This option allows you to shift your existing loan against property from another issuer to Shubham Housing Finance. It helps you benefit from lower interest rates, flexible tenure, or improved repayment terms.

Shubham Housing Finance offers loans against property based on your financial profile and the property’s value as collateral. Here are the key eligibility requirements:

• Age should be at least 21 years old at the time of loan application and below 70 years at the time of maturity

• You need to have a steady monthly income and a bank account

• You need to reside in a city that has a branch of Shubham Housing Finance Office 

• Everyone who owns the collateral property and everyone whose income is considered for the loan must be co-applicants.

Here is a list of documents required for a Shubham Housing Finance Loan Against Property:

• Identity Proof (any one of the following)

  • Aadhaar card

  • PAN card

  • Voter ID

  • Passport

• Address Proof (any one of the following)

  • Aadhaar card

  • Utility bills

  • Ration card

  • Salary slip

• Income Proof 

  • Bank account statement and passbook

  • Income Tax returns and business proof (self-employed)

  • Salary slips (salaried)

  • Income Tax Returns (if available)

• Property-related Documents

Here are the steps on how to apply for a Shubham Housing Finance Loan Against Property online:

1. Click on ‘Check Offer’ on this page

2. Enter your requirement and provide details of your profession and your contact details to check your loan eligibility

3. Fill in the personal, professional and property details accurately

4. Check the loan details along with additional charges and disbursal loan amount on your screen

5. Submit your application

6. A loan executive will contact you shortly after you complete this process

Once you submit the form, a representative will reach out to you to take the process further.

You can track the status of your loan against property application quickly through the following channels:

• Customer Care: Call the toll-free number 18002582225 and provide your application details to get the latest update

• Email Support: Send an email to customercare@shubham.co mentioning your name, loan reference number, and registered contact details to receive the status

• WhatsApp Service: Message 859 552 1769 on WhatsApp with your loan reference details to know your application progress instantly

Shubham Housing Finance provides annual account statements and interest certificates after the financial year ends. For interim statements, you can contact branch officials or the centralised support team.

• Phone: You can call on toll-free number 18002582225 for assistance.

• Email:  You can also send your request to customercare@shubham.co with your loan details.

• Branch Visit: Approach your nearest Shubham Housing Finance branch for in-person support.

Shubham Housing Finance provides flexible repayment facilities to help you manage EMIs with ease. The available options include:

• ECS/NACH: Auto-debit facility for easy EMI payments

• National Automated Clearing House (NACH): Allows automated monthly payments for convenient and timely loan repayment

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.