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Loan Against Property

Need funds? Your property could be the key to quick loans! Call us now

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    Tailored Loan Solutions
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    Tenure of up to 30 years
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    Loan Amount from ₹2 lakh to ₹75* lakh
Express Application

Loan Amount required

1 Lac
1 Lac 1 Cr.

At an interest rate of

1%
1 20

For a duration of years

1 Year
1 25
Monthly EMI
₹ 8,379
Total Interest
₹ 542
Total Payment
₹ 1,00,542
Apply Now

Gross Income (Monthly)

50000
50,000 75,00,000

Tenure (Years)

1
1 20

Interest Rate of (% P.A.)

1
1 25

Other EMIs (Monthly)

1000
1000 100000
Your Home Loan Eligibility
₹ 3,21,637
Your Home Loan EMI will be
₹ 26,950/Monthly
Apply Now
About Loan Against Property

Imagine unlocking the value of your property to fulfil your financial goals. With DMI Housing Finance’s Loan Against Property, you can access up to 60% of your property’s value, with loan amounts ranging from Rs.2 lakh to Rs.75 lakh and a flexible tenure of up to 15 years. We provide loans against residential and commercial properties. Whether it’s funding your child’s education or expanding your business, there are no restrictions on how you use the funds, giving you the freedom to achieve your dreams, personal and professional. We are here to help you make the most of what you have built, turning your property into a powerful financial resource for the future.

Quick Disbursal
Quick
Disbursal
Quick Disbursal
No-Hidden
Charges
Quick Disbursal
Less
Documentation
Quick Disbursal
Attractive
Interest Rate
Quick Disbursal
No-Hidden
Charges
Why Choose DMI Housing Finance for Loan Against Property

Eligibility Criteria
No Restrictions: Whether you need funds for business, education, or any personal need, we offer loans against property without a fund usage policy limitation.
Seamless Loan Process: Avoid multiple branch visits. Our agents can visit your location to collect documents, making the process quick and hassle-free.
Low-Income Eligibility: With a minimum monthly income of INR 10,000, you are eligible for a loan against property, making our loan accessible to a wide range of customers.
Loan Balance Transfer: Transfer your existing loan to us for a lower interest rate, helping you reduce your financial burden effectively.
Tailored Solutions for MSME Clients: We support the growth of small and medium enterprises with our loans against property. We cater to the unique needs of MSMEs, empowering you to drive your business forward.
Eligibility Criteria for DMI Housing Finance Loan Against Property

We are committed to providing financial solutions that are accessible to everyone, irrespective of their profession or income source. Our Loan Against Property is designed with inclusive and adaptable eligibility criteria, allowing individuals from various backgrounds to secure the funds they need

Eligibility for Bank-Salaried Individuals

Age: 21 to 65 years

Eligible Employment Types: Private, Government, MNC, and contractual employees

Minimum Monthly Income: Rs. 10,000

Loan Tenure: Up to 15 years

Eligibility for Formal Self-Employed Individuals

Age: 21 to 75 years

Eligible Applicants: Business professionals and non-professional individuals file ITR.

Minimum Monthly Income: Rs. 10,000

Loan Tenure: Up to 15 years

Eligibility Based On: GST Turnover

Eligibility for Informal Self-Employed Individuals

Age: 21 to 75 years

Eligible Applicants: Business professionals and non-professionals do not file ITR.

Minimum Monthly Income: Rs. 10,000

Loan Tenure: Up to 15 years

Eligibility Based On: Banking churning and average daily bank balance

Required Documents for DMI Loan Against Property

  • Valid Passport
  • Voter ID
  • Aadhaar Card
  • Pan Card
  • Valid Driving License

  • Valid Passport
  • Voter ID
  • Aadhaar Card
  • Pan Card
  • Valid Driving License

  • Valid Passport
  • Voter ID
  • Aadhaar Card
  • Pan Card
  • Valid Driving License
  • Latest Electricity Bill
  • Latest Utility Bills: Telephone Bill (MTNL/BSNL/Non-Private Service Provider), Water Bill, Property Tax Receipt

  • Salary Slips for the last 3 months
  • Bank Statements for the last 6 months
  • Form – 16

  • Salary Certificate for the last 3 months

  • Latest 2-year Income Tax Return (ITR) with income computation
  • Udhyam Aadhar/Business Registration

  • Udhyam Aadhar/Business Registration
  • No ITR required

  • Title Deeds of the Plot
  • Proof of No Encumbrances on the Property
Apply for Home Construction Loan
Type of Home Loans We Offer
Home Flat
House / Flat Purchase Loans

DMI Housing Finance offers competitive House/Flat Purchase Loans to help you own the perfect home without financial stress.

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Plot Purchase Loans
Plot Purchase Loans

Purchase your ideal plot of land easily with our Plot Purchase Loan, designed for secure and flexible financing.

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Home Construction
Home Construction Loans

DMI Housing Finance provides Construction Loans with easy terms, helping you turn your home construction plans into reality.

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Plot Purchase Loans
Plot Purchase Loans

Purchase your ideal plot of land easily with our Plot Purchase Loan, designed for secure and flexible financing.

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Frequently Asked Questions (FAQs)

Get all the answers to your top Loans Against Property FAQs with DMI Housing Finance

You can take a loan against property from DMI Housing Finance by providing any income proof that suits your profession. We have laid down different loan eligibility criteria for various professionals to make our loan accessible to maximum individuals.

If you apply digitally with all the required documents and details, your loan against property application will be approved in 1 working day at DMI Housing Finance. Our team strives to process loans as quickly as possible for your convenience.

A loan against property is a secured loan. Borrowers mortgage their property to a bank or NBFC to take a loan. In case of continued default, the lender can collect the money by selling the property.

If you are utilising funds from a loan against property for a house purchase or construction of a residential property, then under Section 80C, you can claim up to Rs.1.5 lakh on the principal amount repayment. Under Section 24(b), you can claim up to Rs.2 lakh on interest paid for a self-occupied property, and there is no limit for a let-out property.

To provide the highest loan amount possible, we offer loans against property with a Loan-to-Value (LTV) ratio of up to 60%.

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