{"id":677,"date":"2021-08-12T03:31:17","date_gmt":"2021-08-12T03:31:17","guid":{"rendered":"https:\/\/www.loanfasttrack.com\/blog\/?p=677"},"modified":"2022-07-20T11:29:45","modified_gmt":"2022-07-20T11:29:45","slug":"boi-bank-of-india-loan-against-property","status":"publish","type":"post","link":"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/boi-bank-of-india-loan-against-property\/","title":{"rendered":"(BOI) Bank Of India Loan Against Property"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/bank.caknowledge.com\/wp-content\/uploads\/2018\/02\/BOI-loan-against-property.png\" alt=\"BOI loan against property\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong><em>Bank Of India is one of the largest public\n  sector banks in India which provides the loan against property at attractive\n  interest rates to the eligible borrowers starting from 8.85% p.a. The Bank Of\n  India loan against property (LAP) interest rates range from 8.85% p.a. to\n  10.35% p.a. The BOI LAP loan popularly called as BOI mortgage loan is\n  available for all kinds of profiles to meet their immediate requirement of\n  funds for personal as well as business purposes with an option to avail a\n  mortgage overdraft loan facility. The BOI offers LAP loans against the\n  mortgage of a self\/jointly owned, self-occupied, or rent-out residential\n  &amp; commercial properties with a repayment tenure up-to 15 years. The loan\n  can be accessed from BOI\u2019s widely spread branches all over urban as well as\n  rural areas.<\/em><\/strong><strong><\/strong>\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prominent Features Of Bank Of India\nMortgage Loan<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Loans are available to meet your personal as well as\nprofessional needs.<\/strong><\/li><li><strong>Both residential, as well as commercial property, can be\ngiven as collateral.<\/strong><\/li><li><strong>Term loans and overdraft loans are available.<\/strong><\/li><li><strong>Longer repayment tenures of up-to 15 years.<\/strong><\/li><li><strong>Lower interest rates starting from 8.85% p.a. onwards.<\/strong><\/li><li><strong>No hidden costs or administrative charges.<\/strong><\/li><li><strong>Customized loan options and schemes are available.<\/strong><\/li><li><strong>Nil\nprepayment charges for floating rate mortgage loans to individuals.<\/strong><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Purpose Of The BOI Mortgage Loans <\/strong><\/h2>\n\n\n\n<p>The\nBOI Star Loan Against Property Scheme can be utilized for a variety of your\npersonal as well as business needs other than those of speculative purposes\nsuch as investing in stocks or mutual funds, etc. The following are the reasons\nfor which the BOI loan against property amount can be used.<\/p>\n\n\n\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Advantage of mortgage loan in BOI<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>To meet the children\u2019s\neducational needs or the educational expenses of family members including near\nrelatives.<\/li><li>For repairs, renovation,\n&amp; extensions of your residential or commercial property. <\/li><li>To buy or to construct a\nresidential house\/flat.<\/li><li>To buy a plot of land for\nconstructing a house\/ building premises\/ commercial use*.<\/li><li>To repay your existing debts.<\/li><li>To repay your other unsecured\nloans such as personal loans or business loans. <\/li><li>To clear your obligations on\nthe credit card outstanding.<\/li><li>To meet your credit needs of\ntrade, commercial activity, business expansions, other general business\n\/professions such as to meet the marketing and overhead expenses, etc.<\/li><li>To meet your working capital\nrequirement. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility For Mortgage Loan BOI<\/strong><\/h2>\n\n\n\n<p>The\nloan against property eligibility with Bank Of India is related to the value of\nyour security i.e. the market value of your property, the minimum margin\nrequirement, your net take-home pay, your creditworthiness, CIBIL scores, your\nrepayment capacity, etc. Given below is the details of the LAP loan eligibility\nwith BOI<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  Eligible\n  Profile\n  <\/td><td>* Salaried   &nbsp;   <br>* Self-Employed   &nbsp;   <br>* Self-Employed Professionals   &nbsp;   <br>* NRI   &nbsp;   <br><u>Firms &amp; Companies<\/u><br>-&gt; Proprietorship Firm<br>-&gt; Partnership Firm<br>-&gt; Private Limited Company<br>* Others &#8211; societies, staff members, or HUFs               <\/td><\/tr><tr><td>\n  Maximum\n  Age\n  <\/td><td>* <u>For salaried    <\/u><br>21 years &#8211; 60 Years or   retirement age whichever is earlier.   &nbsp;   <br>* <u>For Self-employed &amp; Professionals   <\/u><br>21 years &#8211; 70 years.   <\/td><\/tr><tr><td>\n  Property\n  To Mortgage\n  <\/td><td>* Residential    &nbsp;   <br>* Commercial   <\/td><\/tr><tr><td>\n  Bank\n  Of India Mortgage Loan Interest Rate \n  <\/td><td>\n  8.85% p.a. &#8211; 10.35% p.a.\n  <\/td><\/tr><tr><td>\n  Maximum\n  Tenure \n  <\/td><td>* Term Loan &#8211; Up-to 15 years.   &nbsp;   <br>* Overdraft Loan &#8211; Up-to 12 years.   <\/td><\/tr><tr><td>\n  Maximum Loan Amount\n  <\/td><td>* Term Loan &#8211; Rs.7.50 Crores.   &nbsp;   <br>* Overdraft Loan &#8211; Rs.5 Crores.   <\/td><\/tr><tr><td>\n  Minimum Business Vintage\n  <\/td><td>\n  3 years.\n  <\/td><\/tr><tr><td>\n  Type Of Loan\n  <\/td><td>* EMI-based term loan.   &nbsp;   <br>* Reducible <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-all-about-mortgage-overdraft-o-d\/\"><strong>Overdraft   loan against property<\/strong><\/a>.    <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-to-value-ratio\/\"><strong>LTV<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  50% of the property value.\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/fixed-obligation-to-income-ratio\/\"><strong>FOIR<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  65%\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/cibil-and-its-significance-in-home-loan\/\"><strong>CIBIL\n  Scores<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  675 &amp; above. \n  <\/td><\/tr><tr><td>\n  Processing Fees\n  <\/td><td>\n  1% of the loan amount plus applicable GST\n  subject to a minimum of Rs.5000 &amp; a maximum of Rs.50,000\/- \n  <\/td><\/tr><tr><td>\n  Prepayment\/ Foreclosure Charges\n  <\/td><td>\n  Allowed with NIL charges for floating rate\n  loans to individuals.\n  <\/td><\/tr><tr><td>\n  Mortgage Schemes\n  <\/td><td>* <a href=\"https:\/\/www.loanfasttrack.com\/loan-against-property.html\"><strong>Mortgage   loan<\/strong><\/a>   &nbsp;   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-all-about-mortgage-overdraft-o-d\/\"><strong>Mortgage   overdraft loan<\/strong><\/a>   &nbsp;   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/nri-loan-against-property-in-india\/\"><strong>NRI   Mortgage Loan<\/strong><\/a>   &nbsp;   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>Mortgage   loan balance transfer<\/strong><\/a>   <strong>&nbsp;<\/strong>   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/Apply-now.html\"><strong>Mortgage   loan top-up<\/strong><\/a>   &nbsp;   <br>* Loan Against Land   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<pre class=\"wp-block-preformatted\"><strong><em>Note: The above-mentioned BOI mortgage interest rates &amp; charges are subject to change without prior notice.<\/em><\/strong><\/pre>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/lap-loan-against-property-eligibility\/\"><strong>Click to read more on loan against property eligibility<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bank Of India Loan Against Property\nInterest Rates<\/strong><\/h2>\n\n\n\n<p>Bank\nOf India LAP interest rates depend on your CIBIL scores. The higher the CIBIL\nscores the better is the BOI LAP interest rates. The BOI loan against property\ninterest rates are uniform for all eligible borrowers i.e. salaried, NRI,\nself-employed or professional irrespective of the loan amount. The rates are\nlinked to RBI\u2019s Repo rates. The maximum spread for mortgage loan interest rate\nin Bank Of India is from 2% &#8211; 3.50%.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong>CIBIL Scores<\/strong>\n  <\/td><td>\n  <strong>BOI Mortgage Loan Interest Rates For Individuals<\/strong>\n  <\/td><\/tr><tr><td>\n  &nbsp;\n  <\/td><td>\n  <strong>Term Loan<\/strong>\n  <\/td><td>\n  <strong>Reducible Overdraft <\/strong>\n  <\/td><\/tr><tr><td>\n  760 &amp; Above\n  <\/td><td>\n  8.85% p.a.\n  <\/td><td>\n  9.10% p.a.\n  <\/td><\/tr><tr><td>\n  675 &#8211; 759\n  <\/td><td>\n  9.35% p.a.\n  <\/td><td>\n  9.60% p.a.\n  <\/td><\/tr><tr><td>\n  Below 675\n  <\/td><td>\n  9.85% p.a.\n  <\/td><td>\n  10.35% p.a.\n  <\/td><\/tr><tr><td>\n  -1 &amp; 0\n  <\/td><td>\n  9.60% p.a. \n  <\/td><td>\n  9.85% p.a.\n  <\/td><\/tr><tr><td>\n  &nbsp;\n  <\/td><td>\n  <strong>Other Than Individuals<\/strong>\n  <\/td><\/tr><tr><td>\n  &nbsp;\n  <\/td><td>\n  8.85% p.a.\n  <\/td><td>\n  8.85% p.a.\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Note:\n(i) The above-mentioned BOI mortgage rates are subject to change without prior\nnotice. <\/em><\/strong><\/p>\n\n\n\n<p><strong><em>(ii)\nInterest rates for the CIBIL score below 675 are only to review accounts and\nnot meant for fresh sanctions.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bank Of India Mortgage Loan Schemes<\/strong><\/h2>\n\n\n\n<p><strong>1. BOI Star Loan Against Property <\/strong><\/p>\n\n\n\n<p>It is a term loan offered against the mortgage of\nresidential &amp; commercial property to fulfill the business &amp; personal\nfinancial needs of the borrowers. The loan repayment will be in the form of <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/what-is-home-loan-emi\/\"><strong>equated monthly installments<\/strong><\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Mortgage rates range from\n8.85% p.a. &#8211; 10.35% p.a.<\/li><li>The maximum loan tenure\noffered is up-to 15 years.<\/li><li>The interest rate offered is\nvariable interest rates.<\/li><li>The maximum loan amount is\nup-to Rs.7.5 Crores.<\/li><li>The maximum LTV is up-to 50%\nof the property value.<\/li><li>The loans are also available\nto a borrower with minimum CIBIL scores of 675. Also, read <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/how-to-apply-for-home-loan-with-bad-cibil-score-by-loanfasttrack\/\"><strong>how to apply for a loan with bad CIBIL<\/strong><\/a>.<\/li><li>One-time processing fee of 1% of the loan\namount plus applicable GST. (Minimum Rs.5000 &amp; maximum Rs.50,000\/-)<\/li><li>Nil prepayment charges for variable interest\nrates for individuals.<\/li><\/ul>\n\n\n\n<p>Also, read the best<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-mortgage-loan-in-india\/\"><strong>banks for mortgage loans in India<\/strong><\/a>.<\/p>\n\n\n\n<p><strong>2. BOI NRI Mortgage Loan<\/strong><\/p>\n\n\n\n<p>It is a loan provided to Non-resident Indians against\nthe mortgage of their residential property. The NRI must hold a valid Indian\npassport and must have a regular job abroad in a reputed Indian\/ foreign\ncompany, organization, or government department along with a valid job\ncontract\/ work permit for a minimum of 3 years or employed\/self-employed or\nhaving a business unit and staying abroad at least for past &#8211; 3years to avail a\nmortgage loan from BOI.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>NRI mortgage loan rate of\ninterest ranges from 8.85% p.a. &#8211; 10.35% p.a.<\/li><li>The maximum loan tenure\noffered is up-to 15 years.<\/li><li>The maximum loan amount is up-to\nRs.7.5 Crores.<\/li><li>The maximum LTV is up-to 50%\nof the property value.<\/li><li>Processing fee applicable is 1% of the loan\namount plus GST subject to a minimum of Rs.5000 &amp; a maximum of Rs.50,000\/-.<\/li><li>Compare BOI NRI mortgage\nloans with <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/icici-bank-mortgage-loan-for-nri-in-india\/\"><strong>ICICI Bank NRI mortgage loans<\/strong><\/a>.<\/li><\/ul>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/nri-loan-against-property-in-india\/\"><strong>Read more For NRI Loan Against Property<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>3. BOI Reducible Mortgage Overdraft Loan<\/strong><\/p>\n\n\n\n<p>It is a mortgage loan provided with an overdraft\nfacility to the eligible borrowers especially to meet the working capital\nrequirement. The overdraft facility available is the reducible mortgage\noverdraft facility.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The interest rates for\nreducible mortgage overdraft loans range from 9.10% p.a. &#8211; 10.35% p.a.<\/li><li>The maximum loan tenure\noffered is up-to 12 years.<\/li><li>The maximum loan amount is\nup-to Rs.5 Crores.<\/li><li>The maximum loan amount for\ndoctor\/s (in the case of all joint accounts all to be doctors) is up-to Rs.7.5\nCrores.<\/li><li>The processing fee applicable\nis 0.50% of the sanctioned limit subject to a minimum of Rs.5000\/- &amp; a\nmaximum of Rs.30,000\/-<\/li><li>The overdraft loans are to be\nrenewed. <\/li><li>The renewal processing\ncharges for the subsequent years is 0.25% of the renewal limit subject to a\nminimum of Rs.2.500\/- &amp; a maximum of Rs.15,000\/-<\/li><\/ul>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-all-about-mortgage-overdraft-o-d\/\"><strong>Read more on mortgage overdraft loans<\/strong><\/a>.<\/p>\n\n\n\n<p><strong>4. BOI Mortgage Loan Transfer<\/strong><\/p>\n\n\n\n<p>It is a loan available for all eligible borrowers to\ntransfer their existing mortgage loans with other banks\/lenders to Bank Of\nIndia at attractively low mortgage rates and processing fees with an option to\nreset the loan tenure to the maximum. Also, read on <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-refinancing-in-india-things-to-know-before-applying-for-refinancing\/\"><strong>home loan refinancing<\/strong><\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>All loan scheme products such\nas NRI mortgage loans, mortgage overdraft loans, and simple term mortgage loans\ncan be transferred. <\/li><li>The interest rates for <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>mortgage loan balance transfers<\/strong><\/a> range from 8.85% p.a. &#8211;\n10.35% p.a.<\/li><li>The maximum loan tenure\noffered is for term loans is up-to 15 years &amp; up-to 12 years for overdraft\nloans.<\/li><li>The maximum loan amount is\nup-to Rs.7.5 Crores.<\/li><li>Additional <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/lap-loan-against-property-top-up-loan\/\"><strong>top-up loans on mortgage loans<\/strong><\/a> can be applied subject to\nthe <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/lap-loan-against-property-eligibility\/\"><strong>loan eligibility<\/strong><\/a>.<\/li><li>One-time processing fee of 1% of the loan\namount plus applicable GST. (Minimum Rs.5000 &amp; maximum Rs.50,000\/-)<\/li><\/ul>\n\n\n\n<p>Also, click to read <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-how-to-deal-with-the-increasing-interest-rates-of-housing-loans\/\"><strong>how to deal with the increasing interest rates of housing\nloans.<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>5. BOI Loan Against Agricultural Land<\/strong><\/p>\n\n\n\n<p>It is a term loan given against the mortgage of the\nagricultural land to the farmers for agricultural-related activities under the\nhead Kisan All Purpose Term Loan.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The maximum loan amount is\nup-to Rs.20 Lakhs.<\/li><li>The margin requirement is 15%\nto 25%.<\/li><li>The rate of interest,\nrepayment tenure, as well as service charges\/processing fees, will be informed\nat the time of loan application according to the extant guidelines issued from\ntime to time by BOI. <\/li><\/ul>\n\n\n\n<p>Also, click to read <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/everything-you-must-know-before-purchasing-a-land-availing-the-land-loans\/\"><strong>important things to know before purchasing a land &amp;\navailing the land loans<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bank Of India Loan Against Property Documents Required<\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-center\"><strong>KYC<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">    Pan Card, Adhar   Card &amp; Photograph    <\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Income Documents<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>   <strong>Salaried<\/strong>   &nbsp;   <br>* 4 months salary slips.   &nbsp;   <br>* 2 years form 16    &nbsp;   <br>* 6 months bank account statement.   <\/td><td>   <strong>Self-Employed <\/strong>   &nbsp;   <br><br>* 3 years ITR with Computation of Income,   Saral Copy, Balance Sheet, P&amp;L Account, Capital Account \u2013 CA certified   with membership no. and UDIN No.   &nbsp;   <br>* 12 months bank account statement.   &nbsp;   <br>* Business profile.   &nbsp;   <br>* Business proofs.   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><strong>Property Papers<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>   <strong>Salaried<\/strong>   &nbsp;   <br>* Prior Chain of Agreement.&nbsp;<br>* OC\/CC + approved plans. &nbsp;<br>* Index 2.&nbsp;<br>* Share Certificate.                     &nbsp;   <br>* Society Registration Copy.&nbsp;<br>* Property tax.&nbsp;<br>* Property maintenance bill.                <\/td><td>   <strong>Self-Employed <\/strong>   &nbsp;   <br>* Prior Chain of Agreement.&nbsp;<br>* OC\/CC + approved plans. &nbsp;<br>* Index 2.&nbsp;<br>* Share Certificate.                     &nbsp;   <br>* Society Registration Copy.&nbsp;<br>* Property tax.&nbsp;<br>* Property maintenance bill.                <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><strong>Additional Documents Required For <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>Mortgage   Loan Transfer<\/strong><\/a><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>   <strong>Salaried<\/strong>   <strong>&nbsp;<\/strong>   <br>* LOD (list of documents).   &nbsp;   <br>* Outstanding letter.   &nbsp;   <br>* 12 months repayment track record.   <\/td><td>   <strong>Self-Employed <\/strong>   <strong>&nbsp;<\/strong>   <br>* LOD (list of documents).   &nbsp;   <br>* Outstanding letter.   &nbsp;   <br>* 12 months repayment track record.   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><strong>Other Documents<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>   <strong>Salaried<\/strong>   <strong>&nbsp;<\/strong>   <br>Duly signed application form.   &nbsp;   <br>Processing fee cheque.   &nbsp;   <br>Any other document as asked by BOI.&nbsp;&nbsp;&nbsp;    <\/td><td>   <strong>Self-Employed <\/strong>   <strong>&nbsp;<\/strong>   <br>Duly signed application form.   &nbsp;   <br>Processing fee cheque.   &nbsp;   <br>Any other document as asked by BOI.&nbsp;&nbsp;&nbsp;    <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong>For complete documentation till disbursements kindly refer\n  to the links:<\/strong>\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/mortgage-loan-list-of-documents-for-salaried-customers\/\"><strong>Salaried<\/strong><\/a>   &nbsp;  <br>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/nri-list-of-documents-for-applying-mortgage-loan\/\"><strong>NRI<\/strong><\/a>   <\/td><td>   <strong>Self-employed<\/strong>   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/mortgage-loan-list-of-documents-for-self-employed-proprietorship-firm\/\"><strong>Proprietorship Firm<\/strong><\/a>   &nbsp;   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/mortgage-loan-list-of-documents-for-self-employed-partnership-firm\/\"><strong>Partnership Firm<\/strong><\/a>   &nbsp;   <br>* <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/mortgage-loan-list-of-documents-for-self-employed-private-ltd-firm\/\"><strong>Private Ltd. Company<\/strong><\/a>   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How To Apply For BOI Mortgage Loan<\/strong><\/h2>\n\n\n\n<p>You\ncan <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>apply for a mortgage loan<\/strong><\/a> with BOI <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/online-vs-offline-home-loan\/\"><strong>offline as well as online<\/strong><\/a> from the comfort of your\nhouse. For offline application, you need to visit the nearest branch and for\nonline you may visit the official website of Bank Of India and fill in the\napplication form with the details. Before applying, do not forget to check the\nloan details, schemes, rate of interest, LTV funding, processing fees, closure\ncharges, and <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/must-know-all-costs-in-home-loan\/\"><strong>other related charges to the loan<\/strong><\/a>.<\/p>\n\n\n\n<p>Alternatively,\nyou can also visit user-friendly online portals like <a href=\"https:\/\/www.loanfasttrack.com\/\"><strong>Loanfasttrack<\/strong><\/a> to apply for a Bank Of India\nloan against property. Since it is also important to compare the mortgage rates\nof the leading banks and NBFC mortgage loans before <a href=\"https:\/\/www.loanfasttrack.com\/loan-against-property.html\"><strong>applying for a loan against property<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/\"><strong>Loanfasttrack<\/strong><\/a> online portal will help you\nto compare rates of the top banks and use its <a href=\"https:\/\/www.loanfasttrack.com\/emi-calculator.html\"><strong>mortgage\neligibility calculator<\/strong><\/a> and know how to calculate mortgage EMI. Bank Of India\nmortgage application process with Loanfasttrack is hassle-free, quick, and\ntransparent. <\/p>\n\n\n\n<p><strong>Read more, <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/how-to-apply-online-for-home-loan-mortgage-loan-loan-transfers-by-loanfasttrack\/\"><strong>How To Apply Online For Home Loan, Mortgage Loan &amp; Loan\nTransfers<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Compare BOI Loan Against Property\nWith Top Lenders<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong>Parameter<\/strong>\n  <\/td><td>\n  <strong>Bank Of India<\/strong>\n  <\/td><td>\n  <strong>ICICI Bank <\/strong>\n  <\/td><td>\n  <strong>HDFC Bank<\/strong>\n  <\/td><td>\n  <strong>SBI Bank<\/strong>\n  <\/td><\/tr><tr><td>\n  <strong>Interest\n  Rate<\/strong>\n  <\/td><td>\n  8.85% p.a. &#8211; 10.35% p.a.\n  <\/td><td>\n  7.70% p.a. &#8211; 9.75% p.a. \n  <\/td><td>\n  7.50% p.a. &#8211; 10.95% p.a.\n  <\/td><td>\n  8.45% p.a. &#8211; 10% p.a.\n  <\/td><\/tr><tr><td>\n  <strong>Tenure<\/strong>\n  <\/td><td>\n  Up-to 15 years\n  <\/td><td>\n  Up-to 20 years.\n  <\/td><td>\n  Up-to 15 years.\n  <\/td><td>\n  Up-to 15 years.\n  <\/td><\/tr><tr><td>\n  <strong>Processing\n  Fees<\/strong>\n  <\/td><td>\n  Up-to 1% of the loan amount + applicable\n  GST. (Min Rs.5,000\/- &amp; Max Rs.50,000\/-)\n  <\/td><td>\n  Up-to 1% of the loan amount + applicable\n  GST.\n  <\/td><td>\n  Up-to 1% of the loan amount + applicable\n  GST.\n  <\/td><td>\n  1% of the loan amount + applicable GST. (Max\n  Rs.50,000\/-)\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-all-about-mortgage-overdraft-o-d\/\"><strong>Overdraft\n  Facility<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  Yes\n  <\/td><td>\n  Yes\n  <\/td><td>\n  Yes \n  <\/td><td>\n  No\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-to-value-ratio\/\"><strong>LTV<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  50% \n  <\/td><td>\n  70%\n  <\/td><td>\n  65%\n  <\/td><td>\n  65%\n  <\/td><\/tr><tr><td>\n  <strong>Maximum\n  Loan Amount<\/strong>\n  <\/td><td>\n  Up-to Rs.7.5 Crores\n  <\/td><td>\n  Up-to Rs.10 Crores.\n  <\/td><td>\n  Up-to Rs.25 Crores.\n  <\/td><td>\n  Up-to Rs.7.5 Crores\n  <\/td><\/tr><tr><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/icici-bank-loan-against-property-lap\/\"><strong>Click\n  for more details<\/strong><\/a>.\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/hdfc-bank-loan-against-property\/\"><strong>Click\n  for more details<\/strong><\/a>.\n  <\/td><td>\n  <strong>Click\n  for more details<\/strong>.\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/home-loan-comparison-chart-of-leading-banks\/\"><strong>Click to compare the rates of other leading banks<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Important Highlights To Remember: <\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>You can avail a mortgage loan from Bank Of India\u2019s rural branches for your gram panchayat property. <br>Also, read <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-is-it-difficult-to-get-a-loan-on-grampanchayat-property\/\"><strong>Why is it difficult to get a loan on gram panchayat property?<\/strong><\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>The mortgage loan is not\nprovided against the vacant properties. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Your total obligation to\navail of a BOI LAP loan is not more than 70% of your net monthly income.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>You can avail of income tax\nbenefits for mortgage loans on the interest amount paid subject to a maximum of\nup-to Rs.2 Lakhs per year. Read more about <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/what-are-the-income-tax-benefits-on-mortgage-loan\/\"><strong>LAP tax benefits<\/strong><\/a>.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h2>\n\n\n\n<p><strong>Q. What is the current loan against\nproperty interest rates with the Bank of India in 2021?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>The current LAP rates with Bank Of\nIndia range from 8.85% p.a. &#8211; 10.35% p.a.<\/p>\n\n\n\n<p><strong>Q. How do I know my EMI for a\nmortgage loan?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>You will be informed by the banking\nofficials about your monthly installments at the time of loan application.\nAdditionally, youcan check your <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/what-is-home-loan-emi\/\"><strong>EMI<\/strong><\/a> for different loan tenures and loan amounts with the\nhelp of the Bank Of India loan against property EMI calculator. Alternatively,\nyou can also visit <a href=\"https:\/\/www.loanfasttrack.com\/emi-calculator.html\"><strong>Loanfasttrack\u2019s\nEMI calculator<\/strong><\/a> and know your EMI along with the total interest payable for\nthe tenure.<\/p>\n\n\n\n<p><strong>Q. Can I foreclose my BOI mortgage\nloan ahead of time? What are the charges?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>Yes, you can foreclose your BOI LAP\nloan anytime with nil closure charges for BOI variable mortgage rates loan.<\/p>\n\n\n\n<p>Also,\nread <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/noc-for-home-loan-closure\/\"><strong>NOC (NO Objection Certificate) for home loan closure<\/strong><\/a>.<\/p>\n\n\n\n<p><strong>Q. What is the applicable benchmark\nrate of BOI mortgage loans?<\/strong><\/p>\n\n\n\n<p><strong>Ans:<\/strong> RBLR- Repo Based Lending Rate, is\nthe applicable benchmark rate for property loans in the Bank of India. The\ncurrent RBLR with BOI is 6.85% p.a.<\/p>\n\n\n\n<p><strong>Q. I have an HDFC mortgage overdraft\nloan against property of Rs.45 Lakhs taken for the tenure of 15 years 3 years\nback. Can I transfer my loan to BOI and reset the tenure to 15 years?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>Yes, you can anytime transfer your\nHDFC overdraft against property loan to BOI subject to your credit scores,\neligibility &amp; repayment track. However, for overdraft loans, the maximum\ntenure provided by BOI is up-to 12 years.<\/p>\n\n\n\n<p><strong>Q. What is the Bank Of India loan\nagainst property processing charges?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>Along with the processing fees of\nup-to 1% of the loan amount plus applicable GST, you also need to pay the other\ncharges for availing of a mortgage loan from BOI such as stamp duty\/registered\nmortgage charge of 0.30% on the loan amount at the time of disbursement, CERSAI\ncharge, property valuation &amp; advocate\u2019s fees for property legal report,\nproperty insurance premium, etc. The list of other charges &amp; their amount will\nbe communicated to you by the BOI at the time of mortgage loan application.\nadditional GST will be applicable on all charges. <\/p>\n\n\n\n<p>Also,\nread <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/home-loan-sanction-v-s-home-loan-disbursement\/\"><strong>home loan sanction v\/s home loan disbursement<\/strong><\/a>.<\/p>\n\n\n\n<p><strong>Q. My Indiabulls mortgage loan\ninterest rate is very high? Can I transfer my loan to BOI?<\/strong><\/p>\n\n\n\n<p><strong>Ans:<\/strong> BOI has restrictions on the mortgage\nloan transfers from the other lenders. Please check with the nearest branch for\ntheir updated regulations on LAP loan transfers from NBFCs.<\/p>\n\n\n\n<p><strong>Q. I am a Delhi-based IT engineer\ncurrently working in Hyderabad. I have a residential property in Delhi. From\nwhich city do I apply for mortgage loans in Hyderabad or Delhi?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>You can apply from either of the city\ni.e. loan against property in Hyderabad BOI branch or loan against property in\nDelhi. However, there might be a difference in the processing time of the loan\nwhen you apply from another city. For any further queries, you may call experts\nat <a href=\"http:\/\/www.loanfasttrack.com\"><strong>Loanfasttrack<\/strong><\/a> on <strong><em>9321020476<\/em><\/strong>.<\/p>\n\n\n\n<p><strong>Q. I own a commercial property in\njoint names. Can I mortgage my commercial property? What will be my shared\nownership eligibility?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>Yes, you can mortgage your jointly\nowned commercial property, provided all the co-owners to the property have to\nbe the co-applicants to the loans. An earning <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-the-co-applicant-in-home-loan\/\"><strong>co-applicant<\/strong><\/a> can also help to enhance your loan\neligibility subject to the property <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-to-value-ratio\/\"><strong>LTV<\/strong><\/a> ratio. <\/p>\n\n\n\n<p>Also,\nread <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/benefits-of-applying-joint-home-loans\/\"><strong>the benefits of applying for joint loans<\/strong><\/a>.<\/p>\n\n\n\n<p><strong>Q. Can I apply for a mortgage loan\nwithout ITR?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>If you are self-employed you cannot\napply for a mortgage loan without tax returns. Loan against property without\ndocuments &#8211; KYC, Income documents &amp; Property documents cannot be applied. <\/p>\n\n\n\n<p><strong>Q. Can I apply for a loan against\nproperty without form 16 in Mumbai?<\/strong><\/p>\n\n\n\n<p><strong>Ans: <\/strong>Yes, even if you do not have a form\n16 you can apply for a loan against property without income proof in Mumbai\nprovided you get a salary certificate from your employer or have a copy of the\nlatest 3 years IT returns. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-at-lowest-interest-rate-with-loanfasttrack\/\"><strong>Click to read more FAQs<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p>By, <\/p>\n\n\n\n<p>Loanfasttrack<\/p>\n\n\n\n<p><a href=\"http:\/\/www.loanfasttrack.com\"><strong>Loanfasttrack<\/strong><\/a> is a Mumbai-based loan provider\ncompany since 2015 offering loan services in Mumbai on&#8211; <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>housing loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>mortgage loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>personal loan in\nMumbai<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\">,<\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan.html\"><strong>unsecured business loans<\/strong><\/a>,<strong> <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>home loan transfer<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>top-up loans<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>loan transfers<\/strong><\/a> and apply for a <a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"><strong>business loan in\nMumbai<\/strong><\/a>. Loanfasttrack is a direct sales associate with leading banks namely,\nICICI Bank, HDFC Ltd, Canara Bank, Citi Bank, Piramal Housing Finance, etc. <\/p>\n\n\n\n<p><strong>Contact Loanfasttrack:<\/strong><strong> <\/strong><\/p>\n\n\n\n<p><strong>Website &#8211;<\/strong><strong> <\/strong><a href=\"http:\/\/www.loanfasttrack.com\"><strong><em>www.loanfasttrack.com<\/em><\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>Email &#8211; <\/strong><a href=\"mailto:info@loanfasttrack.com\"><strong><em>info@loanfasttrack.com<\/em><\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>Tel &#8211;<\/strong><strong> <\/strong><strong><em>9321020476<\/em><\/strong><\/p>\n\n\n\n<p>Loanfasttrack\u2019s\nspecialized services include providing:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"><strong>best bank for home\n<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"><strong>loans<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/loan-against-property.html\"><strong>Best Banks For\nMortgage Loan In India<\/strong><\/a><strong>.<\/strong><\/li><li>Assured low-interest rates\nfor<a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>loan against\nproperty in Mumbai<\/strong><\/a>.<\/li><li>Lowest<a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>home loan rates in\nMumbai<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>Instant loan in\nMumbai<\/strong><\/a><strong> <\/strong>&amp;<a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>home loan in\nMumbai<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>.<\/strong><\/a><\/li><li>Instant <a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>personal loan in\nMumbai<\/strong><\/a> &amp;<a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"><strong>business loan in\nMumbai<\/strong><\/a><\/li><li>Low-cost<a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>home loan balance transfer<\/strong><\/a>.<\/li><\/ul>\n\n\n\n<p><strong>Additional\nRead<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/bank-of-india-boi-home-loan\/\"><strong>(BOI)\nBank Of India Home Loan<\/strong><\/a><strong>. <\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/processing-of-home-loan-mortgage-loan\/\"><strong>Step-By-Step\nGuide Of Internal Processing Of Home Loan &amp; Mortgage Loan<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/reverse-mortgage-loan-for-elderly\/\"><strong>Reverse\nMortgage &#8211; Loan For Elderly<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/difference-between-personal-loan-loan-against-property\/\"><strong>Difference\nBetween Personal Loan &amp; Loan Against Property<\/strong><\/a><strong>.<\/strong><strong><\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/canara-bank-mortgage-loans\/\"><strong>Canara Bank Mortgage Loans<\/strong><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bank Of India is one of the largest public sector banks in India which provides the loan against property at attractive interest rates to the eligible borrowers starting from 8.85% p.a. The Bank Of India loan against property (LAP) interest rates range from 8.85% p.a. to 10.35% p.a. The BOI LAP loan popularly called as &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33,57,329,4],"tags":[110,625,617,630,631,618,632,622,634,247,246,244,245,249,248,243,624,619,636,626,629,620,623,628,616,315,374,612,265,615,614,613,276,334,51,633,415,24,10,308,288,638,639,351,311,131,220,270,561,396,397,313,314,328,604,611,229,621,275,310,605,29,627,312,55,260,236,610,640,637,261,102,267,564,274,571,635,566,434,286,609],"class_list":["post-677","post","type-post","status-publish","format-standard","hentry","category-finance","category-home-loan","category-lease-rental-discounting","category-mortgage-loan","tag-boi-bank-of-india-loan-against-property","tag-bank-of-india-lap-interest-rate","tag-bank-of-india-loan-against-property","tag-bank-of-india-loan-against-property-documents-required","tag-bank-of-india-loan-against-property-emi-calculator","tag-bank-of-india-mortgage-loan","tag-bank-of-india-mortgage-loan-calculator","tag-bank-of-india-mortgage-loan-interest-rate","tag-bank-of-india-mortgage-loan-interest-rate-2022","tag-best-bank-for-lap-loan","tag-best-bank-for-loan-against-property-in-mumbai","tag-best-bank-for-mortgage-loan-in-india","tag-best-bank-for-mortgage-loan-in-mumbai","tag-best-loan-against-property-interest-rates","tag-best-mortgage-loan-interest-rates","tag-best-mortgage-rates","tag-boi-lap-interest-rate","tag-boi-loan-against-property","tag-boi-loan-against-property-emi-calculator","tag-boi-loan-against-property-interest-rate","tag-boi-mortgage-interest-rates","tag-boi-mortgage-loan","tag-boi-mortgage-loan-interest-rate","tag-boi-mortgage-rates","tag-check-my-loan-eligibility","tag-current-mortgage-loan-interest-rates","tag-document-checklist-for-mortgage-loan","tag-how-to-apply-for-a-mortgage-loan","tag-income-tax-benefits-on-mortgage-loans","tag-joint-loan-against-property","tag-joint-loan-eligibility","tag-joint-mortgage-loan","tag-lap-loan-eligibility","tag-lease-rental-discounting-interest-rate","tag-loan-against-property-at-lowest-interest-rate","tag-loan-against-property-bank-of-india","tag-loan-against-property-documents-list","tag-loan-against-property-eligibility","tag-loan-against-property-in-mumbai","tag-loan-against-property-tax-benefits","tag-loan-against-property-top-up","tag-loan-against-property-with-bad-cibil","tag-loan-against-property-without-cibil-score","tag-loan-against-rent-receivables-interest-rate","tag-loan-eligibility-check","tag-loan-for-nri-in-india","tag-lowest-hdfc-ltd-lap-interest-rates","tag-lowest-hdfc-mortgage-loan-rate","tag-lowest-interest-rate-mortgage","tag-lowest-lap-loan-interest-rates","tag-lowest-lap-loan-rate-of-interest","tag-lowest-mortgage-loan-interest-rate","tag-lowest-mortgage-rates","tag-lowest-rate-for-mortgage-loan","tag-minimum-cibil-score-for-loan-against-property","tag-mortgage-application","tag-mortgage-loan-balance-transfer","tag-mortgage-loan-boi","tag-mortgage-loan-eligibility","tag-mortgage-loan-eligibility-criteria","tag-mortgage-loan-for-cibil-defaulters","tag-mortgage-loan-in-mumbai","tag-mortgage-loan-interest-rate-in-bank-of-india","tag-mortgage-loan-interest-rates","tag-mortgage-loan-list-of-documents-for-self-employed-proprietorship-firm","tag-mortgage-loan-rate-of-interest","tag-mortgage-loan-rate-of-interest-hdfc","tag-mortgage-loan-top-up","tag-mortgage-loan-with-low-cibil-scores","tag-mortgage-loan-without-cibil","tag-mortgage-processing-fees","tag-nri-loan-against-property-in-india","tag-nri-mortgage-loan","tag-overdraft-against-property","tag-overdraft-loan-against-property","tag-overdraft-loan-eligibility","tag-state-bank-of-india-mortgage-loan-interest-rate","tag-tax-benefits-on-mortgage-loan","tag-top-up-loan-income-tax-exemption","tag-top-up-mortgage-loan","tag-what-is-loan-against-property"],"_links":{"self":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/677","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/comments?post=677"}],"version-history":[{"count":3,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/677\/revisions"}],"predecessor-version":[{"id":757,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/677\/revisions\/757"}],"wp:attachment":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/media?parent=677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/categories?post=677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/tags?pos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