Loan Against Home – Restart Life

You can use funds from home equity loan for home improvements, debt consolidation, education expenses, or other financial needs.

Loan against home has lower interest rates compared to other types of loans, the ability to consolidate higher-interest debts into a single payment, and access to larger loan amounts based on the value of your property.

• Up to 100% on in a standard property
• Up to 80% without map house, flat, floor, etc.,
• Up to 70% Unapproved colony and Lal Dora land

Banks accept any "Registered Title Deed" as a sale deed known as a 'Registry', transfer deed, gift deed, partition deed, relinquishment deed, etc.

Financial institutions do not accept power of attorney, registered or notarized as a title document.

• Authority allotted freehold and leasehold sites, e.g. L&DO, MCD, DDA, HUDA, and NOIDA
• Colonies approved by Municipal authorities as MCD, MCF, MCG
• Lal Dora / Gram Panchayat /village property
• Unauthorised / Unapproved / Freehold colony outside municipal area

Yes, you can get home equity loan on following without map properties

• Without map, Independent house
• Builder Flats with double or more units on same floor
• House with stone slab (Kadi Pathar / Gattar Pathar) roof
• Stilt parking flat / Bacha flat
• Lower ground floor or basement
• Farmhouse in Low-Density Residential Plot Area (personal or commercial use)

Financial institutions provide home equity loans on all types of residential property, such as

• Self/family occupied residence
• Office for professionals on residential property (e.g. C.A., lawyer, and architects, etc)
• Mix Land use (e.g. shop, office, nursing home at ground floor)
• Loan against rented house
• Loan against Vacant house

Banks consider different income types basis of customer profile for loan repayment eligibility

We help you raise the highest loan on different incomes e.g. no ITR, liquid income assessment, cash rental, repayment track record, etc.

Home equity rate of interest is slightly higher than home loan. Yet they are lower than many unsecured loans.

Be assured, we deliver the best interest rate from the leading banks. To enhance your saving, we also bargain lower processing fee from financial institutions.

Mortgage lenders or financial advisors can help evaluate your specific situation, provide guidance on available options, and ensure that you make informed decisions aligned with your financial goals.

Joy Loan is Delhi NCR's local, experienced and professional loan agency, which is trusted by 100s of customers like you.

We simplify your home equity loans and ensure the best rate on various properties and income types. With us, you will get your loan at a fraction of the price you will spend with our competitors. So why pay extra?