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AU Bank LAP Upto 1.5Cr
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AU Bank LAP Upto 1.5Cr
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Here are a few factors
| Location | 50 Km from Branch |
| CIBIL Score | 650+ |
| Applicant | Any Self Employed |
| Applicant Age | 21 Year to 65 Year |
| Loan Amount & Tenure | 10
Lac- 20 Cr ( 3 Year to 15 Year) |
| Login Fees | Nil |
| Rate of Interest & Type | 9%-12% (Reducing) |
| TAT | 15 days |
| Processing Fees | 0.50%-1.50% |
| Foreclosure Charges | Upto 4% |
| Insurance | As per Age |
| Minimum Business Vintage | 2 year |
| Lock In Period | 12 Month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-100% (ii) Commercial-100% (iii) Industrial-70% (iv) Residential
or Commercial Plot-90% (v) School-90% (vi) Hospital-90% (vii) Hotel & Restaurent-90% |
| Product | (i) Fresh Loan (ii) BT+Topup (iii) Commercial or Industrial Purchase (iv) Lease Rental Discounting (v) DOD Product |
| Program | (i)
Banking Program-5 Cr (ii) Income Program-20 Cr (iii) GST Surrogate-5 Cr |
| FOIR | 100% of Cash Profit |
| Cautious Profile | No Cautious Profile |
| Negative Profile | (i) Politian (ii) NBFC (iii) Real Estate (iv) Share Traders |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property
(iv)Plot (v) Warehouse & Commercial Complex (vi) Hotel & Restaurent (vii) School (viii) Hospital & Restaurant (ix) Sub-divided Property (x) Regularized Colony (xi) Khasra & Khatauni |
| Negative Property | (i)
Without MAP Property (ii) Lease hold Property without PTM (iii)Basement
(iv) Lal Dora Property (v) Legal & Technical not clear (vi) Gift Deed, Single Sale Deed, Subject to Sale Deed, GPA Property (vii) Farm House |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | No |
| Any Specfic Product for Professionals | No |
| USP | No Login Fees & LTV upto 100% |
| Additional | (i) Maximum Turnover should not be more than 100 Cr (ii) CMR Rating should be less than 5 |
AU Bank LAP Upto 1.5Cr
FREQUENTLY ASKED QUESTIONS
What is AU Bank Loan Against Property?
AU Bank offers a Loan Against Property (LAP), allowing individuals to use their residential or commercial property as collateral to secure funding for personal or business needs.
What is the maximum loan amount offered by AU Bank Loan Against Property?
The maximum loan amount is up to ₹1.5 crore.
What is the loan tenure offered by AU Bank Loan Against Property?
Loan tenure is available for up to 15 years.
Who is eligible for AU Bank Loan Against Property?
Both salaried and self-employed individuals are eligible to apply, provided they meet the other criteria.
What is the minimum CIBIL score required to apply for AU Bank Loan Against Property?
Applicants need a minimum CIBIL score of 650.
