Documents Required for Property Loan

The process for availing loan against property at Fullerton India is fairly straightforward. We have kept the documents required for a loan against property to a minimal, and it may vary based on your source of income. You will have to furnish proof of identity, address and age along with the proof of income to support your application. You will also have to share the documents about the property that you are offering as collateral.

You will need to have the following documents handy to apply for Fullerton India's loan against property:

  • Application form with a recent photograph
  • Proof of Identity (Passport Copy /Voter ID card /Driving License /PAN Card)
  • Address Proof (Ration card /Telephone Bill /Electricity Bill /Rental agreement /Passport copy /Bank Passbook or Statement /Driving License)
  • Age proof (PAN Card /Passport /any other certificate from a statutory authority)
  • Bank Statements (Bank statement /Bank Passbook for the last 6 months) OR Last 6 months salary slips
  • Form 16
  • Income Tax Returns for the last 3 years
  • Processing fee cheque
  • Documentation pertaining to the property offered as collateral

Additional documents for Loan Against Property for self-employed and SMEs

  • For Self Employed: Income statements and other financials for the past 2 years attested by a CA
  • For SMEs: Audited financials for the last 2 years

How to Apply for Loan against Property?

Before applying for a loan against property, we recommend using our loan against property EMI calculator to check the monthly EMI you may have to pay given a certain loan amount, interest rate and tenure. EMI amount should be one that you pay without stretching your resources thin. Once you have decided the loan amount and tenure you are comfortable with, click on the Apply Now button to apply for the loan.

  1. Click on the “Apply Now” button on the top right of the page. You will be taken to another page, where you can select “Loan Against Property”. Select the appropriate option depending on whether you are salaried, self-employed or an SME.
  2. Next, you will be taken to an online form. Enter your mobile number correctly. You will receive a 6 digit OTP - please enter this in the textbox provided on the website.
  3. Please enter your personal details as requested on the online form page. Click “Next”.
  4. Please enter your employment details as requested in the next step.
  5. Please enter your bank details as requested in the next step.
  6. Upload scanned copies of documents
  7. Click “Submit”. Within a few seconds, you will be informed if you are approved for the loan.
  8. Our customer care representative will get in touch with you for further information as your application goes through various checks.

Please note that the above list is indicative. More documents for loan against property application may be requested depending on your employment type, the type of mortgage loan you are applying for, and Fullerton India's policies at the time of application.

To know more on loan against property documents, get in touch with us or apply now!

Page also available inहिन्दी - Hindi
12 Months
12 Months
180 Months

Your Calculated EMI*



Is it possible to get a loan against property without proof of income?

No. Proof of Income is a must when applying for a loan against property. Salaried applicants are required to submit salary slips of the past 3 months, and self-employed individuals, as well as SMEs, are required to provide audited financial statements of the past 2 years to show a steady source of income.

How much time will it take to get a loan against property sanctioned?

Once the loan is sanctioned, the funds will be disbursed to your bank account within the same day. You can track the status of your loan application by checking our “Track application” tool online. Fullerton India has a transparent process so that you are always aware of the status of your loan application.

Is loan against property taxable?

Loan against property is a mortgage loan, and thus, no matter what the end-use of the funds maybe, you don’t get any tax exemptions on a loan against property. The same applies to all loan against property products offered by Fullerton India.

How is a loan against property eligibility calculated?

Your eligibility for a loan against property mostly depends on your income, your net monthly obligations and your CIBIL score, apart from other factors. For details, please visit our loan against property eligibility page.

* Terms and conditions apply
** Subject to foreclosure charges. Terms and conditions applicable.

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1800 103 6001 Timings: 9:00 AM to 7:00 PM on all days (except Sundays, 4th Saturday of the month and public holidays).