Loan Against Property
Loan Against Property Rejected? Re-Apply with Loansathi.in for Better Approval Chances
Loansathi Team
📖7 min read
Loan Against Property Rejected? Re-Apply with Loansathi.in
✔ Don’t lose hope — agar aapka Loan Against Property (LAP) reject ho gaya, to Loansathi.in ke 150+ banks, NBFCs aur private fund partners ke saath aap dobara apply kar sakte hain aur approval chances badha sakte hain.
🔍 Kyun LAP Applications Reject Hote Hain?
Chahe LAP secured loan hai, lekin kai baar applications reject ho jate hain. Common reasons:
- Low ya unstable income — lender ko repayment risk zyada lagta hai.
- Low credit score (especially <650) — creditworthiness kam dikhai deti hai.
- Incomplete ya invalid documents — KYC/Property papers clear nahi hone par reject hota hai.
- Property disputes / unclear title — legal issues lender ko rok dete hain.
- Too many active loans — existing liabilities zyada hone par naya LAP risky hota hai.
- High loan-to-value ratio — agar requested amount property value se zyada ho to lender mana kar deta hai.
Important: Loan rejection aapke credit report ko effect kar sakta hai aur future approvals ko mushkil bana sakta hai — isliye dobara apply karne se pehle expert guidance lena zaruri hai.
🤝 Loansathi.in Kaise Madad Karta Hai (Re-Apply Process)
Loansathi.in aapki profile thoroughly assess karta hai aur phir aise lenders suggest karta hai jinme aapke approval chances behtar ho. Hamari service mein shamil hain:
- Profile assessment — income, liabilities aur property documents ka review.
- Lender match — 150+ options me se best-fit lenders se match karwana.
- Documents & eligibility guidance — NOC, title deed, ITRs, aur bank statements ko strong banana.
- Private funding access — agar banks reject karein to private fund options provide karte hain.
- Expert negotiation — lender terms aur LTV negotiate karake better deal secure karna.
🏦 Top Bank & NBFC Partners (Examples)
💡 Tips to Improve LAP Approval Chances
- ✔ Clear any property disputes & get title documents verified.
- ✔ Maintain updated ITRs and clear bank statements showing steady income.
- ✔ Improve CIBIL score (aim for 700+).
- ✔ Request a realistic loan amount (50–65% of property value depending on lender).
- ✔ Avoid multiple simultaneous loan applications.
❓ FAQs
Q1: My LAP was rejected by a bank. Can I still re-apply?
A: Yes — Loansathi.in helps you re-apply through other banks, NBFCs, or private lenders.
A: Yes — Loansathi.in helps you re-apply through other banks, NBFCs, or private lenders.
Q2: What is the maximum loan-to-value ratio?
A: Usually 50%–65% of property value, lender-dependent.
A: Usually 50%–65% of property value, lender-dependent.
Q3: Can self-employed applicants re-apply?
A: Yes — with proper documents (ITR, business proofs) both salaried & self-employed can apply.
A: Yes — with proper documents (ITR, business proofs) both salaried & self-employed can apply.
Q4: How fast can I get approval after re-applying?
A: With correct documentation, approvals can happen within 3–7 working days.
A: With correct documentation, approvals can happen within 3–7 working days.
📌 Conclusion
Rejection is not the end — with expert guidance and access to multiple lenders, your Loan Against Property can still be approved. Loansathi.in gives you that second chance with 150+ partners and personalised support.
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