Joy – Loan Against Property – Plot

Ultimate Loan Against Plot

unlock your potential

Apply to Use Your Plot’s Potential

  • Loan on various plots and incomes
  • Competitive interest rates, easy terms
  • Longer tenure, high eligibility, small EMI,
  • 7-days loan approval
  • Expert guidance and personalized service
  • NCR’s local business, 100s of happy customers

Tapping into Your Plot’s Value

Introducing the Ultimate loan against plot / land, a unique financial solution designed only for plot owners like you.

  1. Leverage the Untapped Value of Your Land: Our loan against plot allows you to leverage the untapped value of your land and access substantial funds. Long against vacant land can be a powerful asset to fuel your ambitions.
  2. Flexible Utilization of Funds: Whether you want to invest in property development, fund personal or business expenses, or consolidate debts, our loan provides the freedom to allocate the funds according to your priorities.
  3. Simplified Application and Approval Process: We offer a simplified application and approval process, minimizing paperwork, and streamlining the overall experience. With efficient processing and prompt decision-making, you can access the funds you need swiftly.
  4. Comprehensive Support: When you choose our loan against vacant plot, you gain access to comprehensive support from the application to disbursement. Our dedicated team will assist you at every step. We provide guidance, ensuring that you make informed decisions.

Don’t let the untapped potential of your plot go to waste. Choose our Ultimate Loan Against Plot Loan and unlock the financial possibilities that lie within your land.

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Our Customers Says

Santosh Kumar

Santosh Kumar

Kapasera, Delhi

I got my home loan from a Private NBFC at very high rate 16%, however as I discussed it with Joy Loan, they helped me to get balance transfer to Gov NBFC and now it is at 7.8%. Really professional and good firm to get home loan and Balance Transfer.
Naresh Drall

Naresh Drall

Owner, Dwarka Motors, Dwarka, Delhi

Since many months I was trying for my home loan transfer. They did it only in few days. thank you ravinder bhutani ji for your personal attention.
Avdesh Adhana

Avdesh Adhana

Tigaon, Faridabad

No Bank was giving construction loan to me due to rural property in my village. He helped me in getting a construction loan. Very Honest and Professional deal. Thanks, Ravinder Ji for the Support!
Ombir Singh

Ombir Singh

Bhondsi, Gurugram

Joy Loan helped me for a plot and construction loan in Bhondsi, Gurugram. I am happy with their work. I also referred few contacts to them.
Dr. Dipin Thakur

Dr. Dipin Thakur

Physiotherapy Consultant, Mohan Nagar, Ghaziabad

I got my loan sanctioned within 2 weeks for a house that is on unapproved property. Thank you joy loan and thank you, Mr. Bhutani.
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FAQ Loan Against Plot / Vacant Land

  • Authority allotted plots/lands
  • Builder allotted, authority approved plots
  • Plots/lands in approved colonies
  • Plots/lands in unapproved colonies with Non-Agricultural status (NA)
  • Plots in village Lal Dora/Gram Panchayat

Loans against plots have slightly higher rates compared to loans against built-up properties. It can start at 9.9%. Further, the rate depends on the type of land (residential, commercial, or industrial) and its location (approved, unapproved, or village area).

Financial institutions offer 40%-70% of the property value as a loan.

They offer higher LTV on residential plots in approved locations. Banks offer lower LTV on commercial and industrial plots. LTV will be even lower with land in unapproved colonies or village land.

Financial institutions can be flexible in income assessment based on the customer's profile. Bank / NBFC can provide loan with no Income Tax Return (ITR), repayment track records, and rental income basis.

You can choose a tenure of 5 to 15 years for a loan against plot.

Following are the common documents required:

  • KYC documents (ID, address proof etc.)
  • Bank statements
  • Property legal chain

Financial institutions need your income documents for loan eligibility. These documents depend on your work profile. Get in touch with us for your personalized document checklist.

Before applying for your loan, we conduct an in-depth analysis of your profile and property. Basis of extensive study, we provide the most suitable and economical solution to our customers.

Our high-priority services help get your loan approved in less time. If you want a quick, easy, trouble-free loan against plots on favorable terms, then get in touch with us.

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