Loan Against Property in Delhi

Loan Against Property in Delhi

Also referred to as national capital territory, Delhi is a large metropolitan area located in the northern part of India. It is one of the most important cultural and commercial hubs of India. The city lies on the western bank of the Yamuna River and is flanked by the state of Uttar Pradesh on the east and Haryana on the north, west and south. 

The city attracts a large number of tourists every year as it serves as the epitome of Indo-Mughal architecture. It is home to numerous historical sites such as the Red Fort, Qutub Minar and India Gate. Moreover, Delhi is also famous for having some of the leading management and engineering colleges like the Indian Institute of Foreign Trade and the Indian Institute of Technology (Delhi). 

Due to the economic uncertainties, financing your child’s education or raising funds for your business can be extremely challenging. People in need of substantial funds can, therefore, opt for a loan against property in Delhi to meet various financial requirements.

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Features Of Loan Against Property In Delhi

A loan against property is a secured loan that you can avail by keeping an immovable asset (commercial or residential property) as collateral. A loan against property has the following features

  • Secured: Loan against property is a secured loan. A financial institution sanctions the loan amount based on the market value of the property.
  • No End-use Restriction: A loan against property can be availed to meet any financial requirement; it does not have any end-use restriction.
  • High Loan Value: The loan amount varies between 60 to 80% of the present value of the immovable property. Applicants can use a loan against property in Delhi calculator to compute the monthly EMI.
  • Diversity In Collateral: Applicants can apply for a loan by keeping a commercial property or a residential property as collateral.

Documents Required For Loan Against Property

All applicants must ensure that the following documents are in place before applying for a loan against property in Delhi. The loan amount will be sanctioned only after the successful verification of the following documents:

  • Identity Proof: Applicants are required to submit documents like Aadhaar card, PAN card and more as proof of identity.
  • Proof Of Address: Individuals have to submit address proof like Voter ID Card, Aadhaar Card or recent utility bills to avail a private loan against property in Delhi.
  • Salary Slip: Salaried individuals must submit their latest salary slip.
  • Income Tax Returns: Individuals are required to submit ITR documents.
  • Property Documents: Applicants need to submit property documents as proof of ownership.
  • Bank Account Statements: Bank account statement for the past 6 months has to be furnished.

This requirement tends to vary from one financial institution to the other. So, apart from the documents mentioned above, self-employed applicants might be required to provide additional papers.

As we can see, the application procedure of a loan against property in Delhi involves rigorous documentation. If you require funds urgently, it can be extremely difficult to produce a long list of documents. Moreover, disbursal of such loans can take more than 3 days. Hence, it’s not an ideal option when you need to raise funds within a short span.

And if putting financial obligations on hold is not an option, people can turn to a gold loan offered by Rupeek to meet those efficiently.

Differences Between Rupeek’s Gold Loan And Loan Against Property In Delhi

A gold loan is a secured advance that borrowers get from lenders by pledging their gold ornaments. Given below is tabular representation highlighting the differences between a gold loan from Rupeek and a conventional loan against property in Delhi:

Point Of Difference

Loan Against Property

Gold Loan


Depends on the lender, but usually, financiers prefer applicants above 23 years.

An applicant needs to be 18 years old to apply for a gold loan with us.

Disbursal Time

Disbursal of the loan amount can take more than 3 working days. 

If you avail a gold-backed loan with us, your loan amount is disbursed immediately after the gold valuation and KYC process. 


The documentation process for availing a conventional loan against property can be exhausting. It involves rigorous checks and verification. You cannot apply for a gold-backed loan against property without income proof in Delhi

Applicants are required to submit only KYC documents and address proof. No financial documents are required to apply for a gold loan.

Interest Rate

Loan against property interest rates in Delhi depends on the policies of the financial institutions. It usually varies between 9.6% and 11.5%.

We offer loans at the cheapest interest rates starting from 0.49% p.m. 

Along with these advantages over a loan against property, we also bring a host of exclusive benefits that helps us stand out from other gold loan providers in Delhi.

Rupeek Gold Loan - An Ideal Substitute

Here are some of the benefits of a gold loan in Delhi offered by Rupeek:

  • Doorstep Loan: We offer a doorstep loan facility. You can avail a gold loan from the comfort of your home – a feature not available with a loan against property in Delhi.
  • Lowest Interest Rates: Our interest rates start at 0.49% p.m. You can take a look at our various schemes and choose the one that’s best suited for your financial needs.
  • No End-use Restriction: There are no usage restrictions on the loan that will be sanctioned to you. You can use it to fulfil any requirement.
  • CIBIL Score: Your CIBIL score is not taken into consideration when sanctioning the loan. Hence applicants with low credit scores can also avail our services.
  • Fast Disbursal Of Loan: Once you place a request, our executive reaches your location within 30 minutes to complete the formalities. Post completion of the formalities, the loan amount is disbursed immediately to your account.
  • Gold Loan Overdraft: We offer a unique credit line facility known as Rupeek Quick. It enables you to fulfil a wide range of financial requirements by accessing fund anytime from the sanctioned limit. This overdraft facility allows you to pay interest only on the amount you utilise.
  • Flexible Repayment Options: You can choose to pay off the entire loan amount at the end of the tenure. Or, you can opt to repay the amount by paying in monthly instalments. It’s also possible to pay instalments any time within the tenure as per your convenience.

In addition to these facilities, we also offer the most user-friendly gold loan calculator. By using this feature, you can calculate the quantity of gold you would require to get the loan amount. You have to enter the loan amount and choose the purity of your gold, and the required amount of gold in grams will be displayed on the screen.

But, the benefits don’t just end here. Avail our services within just 30 minutes from anywhere in Delhi, kudos to our city-wide presence.

Delhi Locations Where Rupeek Operates

You can avail our doorstep loan facility if you’re residing in the following areas:

  • Maidan Garhi
  • Justice SB Marg
  • Moti Bagh
  • Tilak Marg
  • JNU Ring Road
  • Chandni Chowk
  • Connaught Place
  • Sansad Marg
  • Karol Bagh
  • Nehru Place
  • Anand Vihar
  • Hauz Khas
  • Pusa
  • Najafgarh
  • Pragati Maidan

Your pursuit of the best ‘loan against property provider near me’ ends here with us. Financing your marriage expenses or raising funds for your business has never been easier. Apply for a gold loan via our app, and our trained executive will arrive at your location. He’ll complete the necessary formalities before the loan disbursal. If you have any query, don’t hesitate to get in touch with us

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Frequently asked questions

  1. What are the minimum and maximum limits for availing a gold loan with us?

The minimum amount of loan we offer is Rs 15,000; whereas, the maximum amount of loan you can avail is Rs 1.5 crore.

  1. What is the tenure of a loan against property in Delhi?

As per the guidelines provided by RBI, the tenure of a loan against property can be up to 20 years. The loan tenure varies from one financial institution to the other.

  1. Can I pledge any gold item to avail a gold loan?

No, you can get a gold loan by only pledging gold ornaments. Our lending partners do not accept other gold items such as bars or coins. Please note that the purity of the gold ornaments should be above 18 carats.

  1. What is the maximum loan against property I can get?

Lenders offer a loan against property up to Rs.5 crores. However, it depends on several factors like the built-up area of the property, type, location, saleable value, etc.

  1. Is it safe to avail a gold loan with Rupeek?

We transport your gold to the bank branches in a sealed bag with a GPS tracker. Upon arrival at the branch, your gold ornaments are stored in bank lockers under military-grade security and surveillance. We also provide 100% door to door insurance against theft and accidents.

  1. Is it possible to increase the loan amount after taking a gold loan?

Yes, you have the option of increasing the loan amount by pledging additional gold ornaments. The loan amount sanctioned to you will be based on the current market value of your gold.

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