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Why Take Property Without Map Home Loan From Us?

  • 20 years of experience in loan & finance.
  • Property without map Home Loan up to Rs. 1 crore.
  • Lowest ROI & processing fees.
  • 20% higher loan amount than other service provider.
  • Property without map Home Loan up to 85% of cost of property.
  • “NO INCOME PROOF” home loan on property without map.
  • Loan to “LOW CIBIL SCORE” or “NO CIBIL SCORE”.
  • Loan based on past loans repayment track records.
  • Loan to all kinds of profile. There is “NO NEGATIVE PROFILE”.
  • Minimum Documentations.
  • Fastest loan approval guaranteed
  • No Hidden Charges.
  • Amicable after sales service.

Do you want to know more about Home Loan without Map?

If you want to avail home loan from bank or NBFC, Sanction plan or approved map of property is a critical document. Before offering sanction letter to the borrower, bank checks with their empanelled valuer that property is constructed as per by laws and approved map or not. If property is not constructed as per approved map then bank may reject the loan application.

However, there are many properties in Delhi & NCR where approved map is not available. Map is not available due to various reasons, like property is in Lal Dora area so approved map is not required to construct a house, Property is very old, Sanction plan missing or lost, etc.

If you are buying a property, where approved sanction plan or approved map not available then bank or NBFC may reject your loan application. However, LOAN ON PHONE is here to help you to avail loan on without map property from bank or NBFC.

Our professional consultant will provide you expert advice to get loan on without map property and also help you to choose best bank or NBFC, who offers you lowest rate of interest on home loan without map property with nominal bank processing fees.

You can borrow home loan without map, from bank or NBFC on following types of property:-

  • HOME LOAN WITHOUT MAP ON INDEPENDENT HOUSE: If you want to buy an independent house but map is not available for any reason then LOAN ON PHONE experts assist you how to get loan from bank or NBFC without map.
  • FLAT OR FLOOR LOAN WITHOUT MAP: If you want to buy a flat or floor but map is not available for any reason then LOAN ON PHONE experts assist you how to get loan from bank or NBFC on flat without map. You can borrow home loan without map from bank or NBFC, on a single flat or floor up to 3rd floor. The flat can be situated on a single unit, double unit or multiple units.

Home Loan on property without map is an agreement between borrower and the lender (bank or NBFC) that regulates the terms of loans. Loan eligibility criteria for almost all the banks are different but there are some common loan eligibility criteria which borrower has to fulfill to avail home loan from bank or NBFC.

Following are some key important factors which would be checked by bank or NBFC to accept or reject the home loan application:-

  • Age: At the time of home loan application, applicant must be 21 years or above but not more than 60 or 65 years because repayment of the loan has to be completed on or before 60 or 65 years of borrower age. .
  • Employment Continuity: Bank or NBFC checks employment continuity of an individual who is applying for home loan. An individual should have 3 years of working experience in the business or employment. A regular source of income, ensure the lender regular repayment of their housing loan EMI.
  • Cibil Score: A home loan borrower who is having good cibil score will get quick loan from the bank or NBFC. Cibil score is a decisioning factor for sanctioning or rejecting home loan applications

What are the documents required for Property without Map Home Loan?

Documents required for Property without Map Home Loan depends upon the type of employment of an individual.
Documents required for different types of employment are as follows:

KYC Documents

  • Pan Card
  • Aadhar Card
  • Voter ID Card
  • Passport
  • Latest Month Electricity Bill
  • Copy of Rent Agreement
  • Copy of Registered Lease Deed
  • Employee ID Card

Income Documents

  • Latest 3 months salary slip
  • 3 years form-16, 26AS, ITR with computation of Income
  • Annual CTC Letter
  • Copy of Appointment Letter

Bank Statements

  • One year up to date salary account statement

Loan Documents

  • Copy of Sanction Letter
  • Up to date loan account statement
  • Loan repayment schedule
  • 12 Month up to date bank statement
    showing repayment of the loan
  • Loan closure proof if loan is closed

Property Documents

  • Copy of Agreement to Sale (ATS)
  • Copy of previous chain of property papers

KYC Documents

  • Pan Card
  • Aadhar Card
  • Voter ID Card
  • Passport
  • Latest Month Electricity Bill
  • Copy of VAT/ Sales Tax, GST, Import-Export or any other registration Certificate
  • Latest Office Address proof i.e electrcity bill, rent agreement etc.
  • Company Profile on the Letterhead of the firm

Income Documents

  • Latest 3 year ITR with computation of Income including P & L a/c, balancesheet with their schedule and annexures duly certified by CA
  • Form No. 3 CA & 3 CD in case of audited balance sheet
  • Latest 2 years VAT/ Sales Tax/ GST return
  • Latest 2 year form 26AS if applicable

Bank Statements

  • One year up to date all the saving and current account statement

Loan Documents

  • Copy of Sanction Letter
  • Up to date loan account statement
  • Loan repayment schedule
  • 12 Month up to date bank statement showing repayment of the loan
  • Loan closure proof if loan is closed

Property Documents

  • Copy of Agreement to Sale (ATS)
  • Copy of previous chain of property papers
Individual Partners Document

KYC Documents

  • Pan Card
  • Aadhar Card
  • Voter ID Card
  • Passport
  • Latest Month Electricity Bill
  • Copy of Rent Agreement/ Registered Lease Deed

Income Documents

  • Latest 3 year ITR with computation of Income
  • Latest 2 year form 26AS if applicable

Bank Statements

  • One year up to date all the saving account statement

Loan Documents

  • Copy of Sanction Letter
  • Upto date loan account statement
  • Loan repayment schedule
  • 12 Month of upto date bank statement showing repayment of the loan
  • Loan closure proof if loan is closed

Property Documents

  • Copy of Agreement to Sale (ATS)
  • Copy of previous chain of Property papers
Partnership Firm Document

KYC Documents

  • Pan Card
  • Copy of VAT/ Sales Tax, GST, Import-Export Certificate or any other registration certificate
  • Copy of Partnership Deed
  • Latest office address proof ie. electricity bill, rent agreement etc.
  • Company Profile on the Letterhead of the firm

Income Documents

  • Latest 3 year ITR with computation of Income including P & L a/c, balancesheet with their schedule and annexures duly certified by CA
  • Form No. 3 CA & 3 CD in case of audited balance sheet
  • Latest 2 years VAT/ Sales Tax/ GST return
  • Latest 2 year form 26AS if applicable

Bank Statements

  • One year up to date all the current account statement

Loan Documents

  • Copy of Sanction Letter
  • Up to date loan account statement
  • Loan repayment schedule
  • 12 Month up to date bank statement showing repayment of the loan
  • Loan closure proof if loan is closed
Individual Directors Document

KYC Documents

  • Pan Card
  • Aadhar Card
  • Voter ID Card
  • Passport
  • Latest Month Electricity Bill
  • Copy of Rent Agreement/ Registered Lease Deed

Income Documents

  • Latest 3 year ITR with computation of Income
  • Latest 2 year form-16 with 26AS if applicable

Bank Statements

  • One year up to date all the saving account statements

Loan Documents

  • Copy of Sanction Letter
  • Up to date loan account statement
  • Loan repayment schedule
  • 12 Month up to date bank statement showing repayment of the loan
  • Loan closure proof if loan is closed

Property Documents

  • Copy of Agreement to sale (ATS)
  • Copy of previous chain of property papers.
Private Limited or Limited Company Documents

KYC Documents

  • Pan Card
  • MOA & AOA
  • Copy of VAT/ Sales Tax, GST, Import-Export Certificate or any other registration certificate
  • Latest office address proof ie. electricity bill, rent agreement etc.
  • Company Profile on the Letterhead of the Company
  • List of director & shareholder with their shareholding pattern duly certified by CA.
  • Latest form-32

Income Documents

  • Latest 3 year ITR with computation of Income including P & L a/c, balancesheet with their schedule and annexures duly certified by CA
  • Form No. 3 CA & 3 CD in case of audited balance sheet
  • Latest 2 years VAT/ Sales Tax/ GST return
  • Latest 2 year form 26AS if applicable

Bank Statements

  • One year up to date all the current account statement

Loan Documents

  • Copy of Sanction Letter
  • Up to date loan account statement
  • Loan repayment schedule
  • 12 Month up to date bank statement showing repayment of the loan
  • Loan closure proof if loan is closed

KYC Documents

  • Pan Card
  • Copy of Passport with VISA
  • Copy of Green Card
  • Complete CDS certificate in case of Merchant Navy
  • Copy of valid residence proof in abroad
  • Employee ID card or Labour card
  • Copy of latest work permit

Income Documents

  • Latest 3 months salary slip
  • Latest 3 years income tax acknowledgement form
  • Annual CTC letter
  • Copy of appointment letter
  • Credit report from credit agency

Bank Statements

  • One year Upto date NRI Salary account statement
  • One year Upto date NRO/NRE account statement

Loan Documents

  • Copy of Sanction Letter
  • Up to date loan account statement
  • Loan repayment schedule
  • 12 Months up to date bank statement showing repayment of the loan
  • Loan closure proof if loan is closed

Power of Attorney Holders Documents

  • Copy of PAN card & Aadhar card
  • Power of Attorney in favour of blood relatives or relatives in India

Property Documents

  • Copy of Agreement to Sale (ATS)
  • Copy of previous chain of Property papers

What is the Rate of Interest of Property without Map Home Loan ?

Home loan without map property rate of interest vary from bank to bank. It is higher than standard home loan. Rate of interest is in between 8.50% p.a. to 11% p.a. it is advisable to compare home loan without map property interest rates of different bank and financial institutions and chose the best one which suits your need..

OR

You may take an expert advice of LOAN ON PHONE professional consultants who will help you to choose best bank who offers you lowest rate of interest on Home Loan with ZERO / nominal bank processing fees.