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loan against Property

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Property Loan

Loan against Property is designed to cater to the business and personal needs of the members within the geographical operational limits of MMSCSS Society. The scheme is devised to fulfil the aspirations and dreams of society members.

The proceeds of the loan will be specific to the member requirement in terms of business, extension of house, house construction or consumption needs or purchase of a property in the states of Kerala, Tamilnadu & Karnataka.

In addition, loan would be provided against the existing property which is terraced for any purpose as deemed by the member. LAP is purely based on the criteria’s set by the Society which relates to eligibility of the customer to avail the loan in terms of income and repayment capacity, valid collateral in the form of property assets and personal surety of  guarantor etc.
 

The Minimum Loan Amount will be Rs. 2 Lacs and maximum Rs.50 lakhs depending on credit decisions. The loan is repayable upto a period of 5 years. Repayment is to be done monthly either by E-NACH/PDC/NACH Mandate to the Society account on the EMI date generated at the time of loan Sanction / Disbursal.

Generally, a margin of Minimum 35% on property value approved by an Empaneled Property Valuation Professional is insisted upon.
 

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