A loan against property is something that can come to your rescue when you are in dire need of money. Compared to other loans that you can take at a time of emergency, the process associated with taking a loan against your property is simpler.

What could make it even simpler is having all the required documents in place. Document requirements might differ from lender to lender, but below is the most common list of loan against property documents required, to make the process of applying for a loan against property easier for you.

  • Application form

A filled application form is the most important document when you apply for loan against property. You can collect an application form from the lender of your choice. You will need to populate the form with information such as your identity, address, and income details. You will be asked to fill out information related to the property you are pledging as well.

Here, it is important to make sure the information provided is accurate. Discrepancies in the information could increase the chances of your loan application being rejected. Additionally, make sure the information in the form matches with the information in your identity and address proofs.

  • Age proof

Different lenders have different minimum and maximum age limits. For you to prove your age to the lender, you will be required to submit an age proof, like your birth certificate or an identity card with date of birth information in it.

  • Photograph

Your latest passport size photograph is also required for the loan application process. This is for the lender to verify your identity.

  • Address and ownership proofs

You will be asked to submit documents that prove your current address and the ownership of the property you are pledging. If you are living in the same property that you are pledging, one document will be enough to prove both.

  • Income proofs

Lenders will see you as a risky applicant if they feel like you do not have enough income to pay the loan back comfortably. To prove otherwise, you will be required to submit documents that prove your income. If you are salaried, this may include your latest salary slips or bank statements. At the same time, if you are self-employed, a bank statement alone would be enough most of the time.

  • Property papers

Finally, you will be required to submit papers related to the property you are pledging as well. This may include title deed, approved plan of the property, occupancy certificate from concerned authority, etc. When you are applying for a loan against property, papers related to the same are extremely important and it is advised to take extra caution to make sure the documents are proper.


Keeping these documents ready will not only help you make the process simple but also help reduce loan against property interest rates in some cases, as the lender will see you as a less risky applicant.