Loan Against Property in Gujarat

RBI Registered
RBI Registered NBFC

Check Your Loan Eligibility in Just 2 minutes!

Attractive interest rates
Attractive interest rates
Unsecured Loan upto 5 Crores
Unsecured Loan upto 5 Crores
Approval within 48 Hours
Approval within 48 Hours

How does Loan Against Property Work?

Types of Loan Against Property in 2024

Term loan against propertyTerm loan against property

Benefits
Up to 150% LTV
Up to 150% LTV
Unlock the potential of your properties with the best LTV in the market
Quick disbursal
Quick disbursal
With a 100% digitized process, get loan disbursement within 24-48 hours
Seamless property evaluation
Seamless property evaluation
With easy and seamless property evaluation process, get a fair and faster sanction

Purchase Finance against propertyPurchase Finance against property

Benefits
Up to 150% LTV
Up to 150% LTV
Unlock the potential of your properties with the best LTV in the market
Quick disbursal
Quick disbursal
With a 100% digitized process, get loan disbursement within 24-48 hours
Interest as per usage
Interest as per usage
The interest would be charged only for the exact amount and duration of use

Loan Against Property Eligibility & Documents

Apply with minimal documentation

Eligibility

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Minimum turnover ₹3 crores
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Business vintage 3+ years

Required Documents

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KYC details
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Last 6 months of banking
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Financials for previous 2 fiscal years
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GSTR details for current fiscal year

Loan against Property Interest Rates

Interest Rates
Starts from 12% per annum
Processing Fees
Starts from 1% per annum
Penal Interest
Starts from 2% per month + Applicable Tax
EMI & Check Bounce Charges
500 + Applicable Tax
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Enhanced Security Features

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Hassle-free Loan Applications

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Simplified Documentation Process

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Get Disbursals on the Fly

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Ledger on Your Fingertips

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Enhanced Security Features

How to Apply for a Loan Against Property

Step-by-step online process to apply for Financing
1
Check Eligibility
Check your loan eligibility
2
Submit Application
Complete a 100% online application form
3
Get Sanctioned
We will evaluate your application and propose a fair sanction
4
Receive Funds
Get disbursements within 2 days of sanction

Why Oxyzo?

Oxyzo provides new-age customized financing
products for your business needs

No foreclosure charges

No foreclosure charges

Minimum processing-fee

Minimum processing-fee

Easy Repayment tenure

Easy Repayment tenure

Flexible repayment tenure

Flexible repayment tenure

No minimum utilization charges

No minimum utilization charges

Approval within 48 hours

Approval within 48 hours

Digitized process

Digitized process

Affordable Interest Rates

Affordable Interest Rates

Get Working capital with Loan against property

Oxyzo Loan Against Property in Gujarat: Unlock Your Property’s Potential

Gujarat is a land of opportunities, and if you are a manufacturer, contractor, or SME owner, you know how important it is to seize those opportunities. Sometimes, the biggest opportunities require a considerable amount of capital, and that’s where Oxyzo Loan Against Property comes in.

With Oxyzo, you can leverage the equity in your property to get a loan that can help you achieve your business goals. Whether you need funds for working capital, expansion, or anything else, Oxyzo Loan Against Property in Gujarat can provide you with the financial backing you need.

The Benefits of Oxyzo Loan Against Property in Gujarat

Up to 150% LTV: With Oxyzo, you can get up to a 150% Loan-To-Value (LTV) ratio, which means you can get a loan amount that is 1.5 times the value of your property. This feature allows you to borrow more money than you could with a traditional loan, making it an excellent option for businesses that require significant capital.

Quick Disbursal: Oxyzo Loan Against Property offers quick disbursal, with funds transferred to your account within 24-48 hours. This feature allows you to take advantage of opportunities that require immediate funding.

100% Digitized Process: Oxyzo’s loan application process is entirely digitized, allowing you to apply for a loan from the comfort of your home or office. This feature eliminates the need for physical paperwork, making the process quicker and more convenient.

Competitive Interest Rates: Oxyzo offers competitive loan against property interest rates, making it an affordable option for businesses of all sizes.

Who can benefit from Oxyzo Loan Against Property in Gujarat?

Manufacturers: If you are a manufacturer in Gujarat, you know how important it is to have access to capital. Oxyzo Loan Against Property can help you unlock the equity in your property and provide you with the funds you need to purchase new machinery, hire additional staff, or expand your operations.

Contractors: As a contractor, you need to be able to take on new projects and complete them on time. Oxyzo Loan Against Property can provide you with the funds you need to purchase new equipment, hire additional staff, or invest in new technology to help you complete projects more efficiently.

SMEs: Small and medium-sized enterprises (SMEs) are the backbone of Gujarat’s economy. Whether you are a start-up or an established SME, Oxyzo Loan Against Property can provide you with the financial backing you need to achieve your business goals.

In Conclusion

Oxyzo Loan Against Property in Gujarat is an excellent option for businesses that require significant capital. With up to 150% LTV, quick disbursal, 100% digitized process, and competitive interest rates, Oxyzo can help you unlock the potential of your property and take your business to new heights. So, if you are a manufacturer, contractor, or SME owner in Gujarat, consider applying for Oxyzo Loan Against Property today.

Frequently Asked Questions

What is the required loan against property eligibility ?
The LAP eligibility for a business entity is :
  • Minimum turnover 3 crores
  • Business vintage 3 years +
Does Oxyzo provide a loan against land property ?
Yes
What are the documents required for a loan against property ?
SMEs are required to apply online for LAP with the following documents:
  • KYC
  • Last 6 months of banking
  • GSTR details for the current financial year
  • Financial statements for the previous 3 financial years
  • Property document
What types of properties are accepted by Oxyzo to provide Loan Against Property (LAP) ?
We accept residential, commercial, or industrial property for LAP.
Why should you consider a LAP ?
A loan against property (LAP) gets you a higher loan sanction at a low cost.
Can one apply for a loan against property that is jointly owned ?
Yes, you can surely apply for a loan against jointly against an owned property, and in such situations, all co-owners either become joint applicants or the separate share of the applicant is valued to decide the loan amount.
What is a safe credit score limit to secure loans against property ?
It will vary from one lender to another & based on the credit authority they are using, but it is safe to maintain a credit score above 700. The higher your credit score, more are the chances for you to secure the loan.
Can startups and small businesses secure loans against property ?
Yes. They can. There are specific types of loans against property specially tailored for startups and SMEs to help them grow and compete with legacy players.
How long does it take for loans against property to be approved ?
This varies from lender to lender, but platforms like Oxyzo that use a digitalised process instantly approve your loan and disburse the funds. Delays can be due to the evaluation of the property and due diligence.
How is the loan amount determined ?
The loan amount is usually determined based on the valuation of the property, income-to-debt ratio and credit score.
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