Property Loan Service
Property Loans for Every Need
Unlock the value of your property with smart financing options. Ideal for purchase, construction, or loan against property with flexible terms.
High Value:
Unlock large loan amounts based on your property’s worth.
Low Interest:
Enjoy competitive rates with long-term savings.
Easy Docs:
Minimal paperwork for faster approvals and disbursals.
Multiple Uses:
Use funds for business, education, or personal needs.
Banks and financial institutions have set personal loan eligibility criteria to ensure smooth loan approval and repayment. Apart from these criteria, lenders also assess the applicant’s credit history to evaluate creditworthiness and repayment behavior.
General Eligibility Criteria:
- Applicant must be between 21 to 60 years
- Salaried or self-employed with a stable income
- Minimum monthly/annual income as per lender’s requirement
- Good credit score (typically 700 or above)
- Employment stability and continuity in work
- Indian resident or NRI, depending on lender policies
To apply for a personal loan, applicants need to submit specific documents for verification. These documents help lenders assess eligibility, creditworthiness, and repayment capability.
Identity Proof (Any one of the following):
- PAN Card
- Aadhaar Card
- Passport
- Voter ID Card
- Driving Licence
Address Proof (Any one of the following):
- Utility Bills (Electricity, Water, or Telephone Bill)
- Aadhaar Card with Address
- Bank Account Statement
- Rental Agreement
Income & Employment Proof:
- Salaried Individuals:
- Salary slips of the last 3 to 6 months
- Form 16 or Income Tax Returns (ITR)
- Latest bank statements showing salary credits
- Self-Employed Individuals:
- Business continuity proof (at least 3-5 years)
- ITR for the last 2-3 years
- Audited profit & loss statement
Other Documents:
- Passport-size photographs
- Duly filled loan application form
Types of Property Loans We Offer
Loan Against Property
Unlock funds by pledging residential or commercial property. Ideal for business, education, or personal financial needs.
Commercial Property Loan
Finance the purchase of shops, offices, or business premises. Flexible terms for entrepreneurs and professionals.
Plot Purchase Loan
Buy residential plots with easy financing options. Perfect for future construction or investment.
Construction Loan
Build on your own land with stage-wise disbursal. Tailored for custom home or commercial projects.
Home Extension Loan
Finance additional rooms, floors, or upgrades to your existing home. Ideal for growing families or property value enhancement.
Our Trusted Network
How to Apply for a Personal Loan
Get your loan approvals in 3 instant steps.
Fill A Quick Online Form
Complete a form with your name, phone number, and city.
Get Verified
Our system swiftly processes your application and verifies your contact details in seconds.
Get Instant Loan Assistance
Receive a call from Smart Digital Loans Experts within 24 hours.
One click away from your dream
Fill the the form to get quick loan approval
Here from Our Loyal Customers
Making Dreams Come True
Buying our first home was a dream, but we were terrified of the loan process. Smart digital loans changed everything. Their online platform was so intuitive we uploaded documents from our living room and tracked our application in real time. We got approved faster than we ever thought possible. We're unpacking boxes in our new house, all thanks to their speedy and transparent service!
As a small business owner, I needed capital quickly to scale up for a big order. Traditional banks were too slow. Smart digital loans understood the urgency. The application was straightforward, minimal paperwork, and I had the funds in my account within 48 hours. They didn't just give me a loan; they gave my business an opportunity to grow.
I found the perfect car but dreaded the financing. I applied for a car loan with Smart digital loans on my phone while I was still at the dealership. I got pre approval in minutes! It gave me the bargaining power I needed and I drove off the lot the same afternoon. Incredibly easy and lightning fast.
We needed funds for our daughter's overseas education and decided to take a loan against our property. The team at Smart digital loans was professional and clear about the valuation and terms from day one. The entire digital process was seamless, and we secured the funds without any hidden fees. They helped us invest in our daughter's future.
