Property Verification Issues: Home Loan Rejection ke Sabse Bade Reasons | Loansathi.in

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Introduction

Home loan ke liye sabse important requirement hoti hai property verification. Aksar banks aur NBFCs loan reject kar dete hain sirf isliye kyunki property ke documents clear nahi hote. Is blog mein hum samjhenge property verification issues kya hote hain, kin wajah se rejection hota hai, aur kaise Loansathi.in aapki help karta hai.

Property Verification Issues – Common Reasons for Rejection

1. Title Deed Clear Na Hona

Agar property ka title deed clear nahi hai ya us par dispute hai, toh bank loan approve nahi karta.

2. Incomplete Registry

Property registry incomplete hone par ya stamp duty pending hone par loan reject ho jata hai.

3. Illegal Construction

Agar property legal authority ke rules follow nahi karti (illegal floors, no approval from municipal body), toh bank financing se mana kar deta hai.

4. Encumbrance Certificate Issues

Encumbrance certificate property ke legal history batata hai. Agar isme disputes ya charges show hote hain, toh loan reject ho jata hai.

5. Pending Property Tax

Agar property ke taxes clear nahi hain, toh verification ke time issue aata hai aur loan reject ho sakta hai.

Documents Required for Property Verification

• ✔ Sale Deed / Title Deed
• ✔ Encumbrance Certificate (EC)
• ✔ Approved Building Plan
• ✔ Property Tax Receipts
• ✔ Occupancy Certificate
• ✔ Allotment Letter (if applicable)

Tips to Avoid Home Loan Rejection Due to Property Issues

• ✔ Loan apply karne se pehle property papers ko legal expert se verify karwao
• ✔ Registry aur stamp duty complete karo
• ✔ Property taxes clear karo
• ✔ Municipal approvals check karo
• ✔ Paperwork ko ekdum updated rakho

How Loansathi.in Helps You

Loansathi.in sirf loan provide nahi karta, balki property verification process mein bhi madad karta hai:

• ✔ Document checklist provide karta hai
• ✔ Property papers ke legal verification mein guide karta hai
• ✔ Suitable lenders choose karta hai jo flexible ho
• ✔ Alternative funding options deta hai agar bank reject kare

Conclusion

Property verification issues home loan rejection ka sabse bada reason hote hain. Lekin sahi documentation aur expert guidance ke sath aapka home loan smoothly approve ho sakta hai. Loansathi.in aapko trusted lenders aur verified process ke through fast approval dilata hai.

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