Processing Time

10 working days

Interest Rate

14.00% onwards

Processing Fees

2.00 % + ST

Pre-Payment Fees

3 - 5%


1 - 12 years

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AU Small Finance Bank Loan Against Property on Rubique
Loan Against Property

Apply AU Small Finance Bank Loan Against Property Online @14.00%  Interest Rate Onwards

  • Personalized verification and assessment
  • Fast processing
  • Support for establishing a business
  • Easy and flexible repayment terms
  • Flexible products, documentation and collections
  • Age: min 18 Years to max 65 Years at the end of loan tenure
  • Eligible borrower: proprietorship firms, partnership firms, limited companies
  • Eligible property: residential, commercial, industrial property, farm house etc.
  • Loan amount is considered based on type of property, current usage of the property & the market value of the property
  • The property should be fully constructed, clearly demarcated, identifiable & registered
  • Loan amount is also calculated based on last year's EBITDA or weighted average of last 2 years' EBITDA. Firm/company should have been in operation for the last 3 years. Firm/company should be making cash profits for the last two years
  • Credit reference: the applicant should have a sound credit history
  • KYC documents: identity proof, residence proof, age proof, latest photograph, signature verification, proof of contact ability, proof of experience, proof of stability residence
  • Banking statements: latest 6 months' processing fee cheque
  • Property documents: property sale agreement along with entire previous chain of sale agreements; receipt/(s) of initial payment/(s) made to the seller; share certificate, occupancy certificate / approved plan copy
  • Additional documents
  • For salaried: latest 3 months' pay slips; form no.16; employment stability proof
  • For self-employed professional: education qualification certificate; business stability proof / ownership proof; last 3 years' income tax returns with computation of income; last 3 years' CA certified / audited balance sheet and profit & loss account
  • For self-employed non-professional: education certificate; last 3 years income tax returns with computation of income; last 3 years­ CA certified / audited balance sheet and profit & loss account; business stability proof / ownership proof
  • Processing fee: 2 % + ST
  • Foreclosure fee: 3% of principal outstanding after 12 months and 5% between 6-12 months (allowed after 6 months)
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