Loan Against Property

In need of the big bucks? We at Clix have got you covered with our loan against property/home equity loans. What does this mean? If you already own property, we’re here to give you a loan against it!

Apply Now Form

How do I check my eligibility for a loan against property from Clix?

What documents do I need to submit with my loan against property application?

Completed application form

A recent passport-size photograph

Identity (ID) Proof (any one):

  • Aadhaar card, Passport, Voter ID, Ration Card, Driving License, PAN card or Government ID (for government employees)

Address proof:(any one)

  • Any of the ID proof or your last 2 months’ utility bills

Income Proof

  • Latest One month Pay slip or Form 16 for the current year

For Salaried Individuals:

  • Last 3 months salary slip
  • Latest Form 16
  • Updated Bank Statements showing salary and saving entries for the last 6 months

For Self-Employed:

  • Business profile: A note with information on the nature of the business/profession, form of organization, clients, suppliers, etc.
  • Last 6 months’ bank statement
  • Last 3 years Income Tax Returns and financials including balance sheets, profit/loss accounts of the business/profession along with Schedules
  • Property documents, if property has been identified

*Please note that while only scans or photocopies of your documents are required while applying for a loan, you might want to carry original documents in case of verification. Approving the loan application is at the sole discretion of Clix; we might ask for further documents for a more thorough assessment of your loan.

Here’s how you do it

Fill the form
1. Fill the form
It takes only 3 minutes!
Answer your phone
2. Answer your phone
Have a quick chat with our rep.
Hooray
3. Hooray!
You have a loan!

FAQs

How do I avail a loan against property from Clix?

All you need to do is just Clix here!

What will be the tenure, down payment, EMI and interest rate for my loan against property?

At Clix, you can choose from customized repayment (EMI) and down payment options. But the interest rate depends on factors such as the specifics in your application such as age and income. We’ll tell you the final applicable interest rate once we go through your application form and supporting documents.

What are the different types of home loans offered by Clix?

We like variety, so you can choose from:

1. Home loan for a ready or under-construction residential property.

2. Home improvement/extension loan to finance the renovation (flooring, roofing, plastering, painting, plumbing electrical, etc.) or extension (construction of new floor or rooms within permissible building plan) of your existing property.

3. Loan against property (commercial or residential) by mortgaging a residential/commercial property.

4. Balance transfer and top-up your existing loan from any other housing finance company or bank.

What is an EMI?

You repay a loan in Equated Monthly Installments (EMIs) — which just translates into an amount that combines your principal and interest. Your EMIs begin the month after your full loan amount is disbursed.

What is Pre-EMI?

The pre-EMI is the interest you paid on the loan amount you receive before your EMIs begin. This usually happens in self construction or construction stage-linked/partly disbursed cases.

What is an amortization schedule?

An amortization schedule has details on how you can repay your loan, as well as the division between principal and interest charged in each EMI.

What governs my home loan repayment?

Your home loan repayment is done though a NACH Debit Mandate.

What are the types of interest rates offered?

Two kinds, because life is all about choices:
a) Floating
b) Fixed for the first 24 to 36 months, followed by floating

What governs my home loan repayment?

Your home loan repayment is done though a NACH Debit Mandate.

How can I reach out to Clix for any other information on my loan?

It’s as easy as our loan applications!

Just call us on 0124-4545965 or 0124- 3817400 between 9:30am-6:30pm from Monday to Saturday (except public holidays, of course) or write to us at: hello@clix.capital

Click here to meet your money needs

Apply now for simple, fast, and accessible loans against property !

Apply Now Form