Micro Loan Against Property (MLAP)

Loan against property helps you unlock the hidden equity in your property holdings. You can get a loan against property for expanding capacity, meeting capital requirements, financing a wedding, financing child’s education, meeting the unplanned and unforeseen healthcare needs, debt consolidation and much more. You can borrow money using property as a collateral and repay in EMIs over time. So, why overthink, when Clix has got your back? Clix offers customized property loans to Salaried/Self-employed Professionals, Sole Proprietorship firms, Micro & Small Enterprises, LLP & Pvt Ltd Companies.

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Micro Loan agianst Property

Am I Eligible for a Loan Against Property?

What Documents Do I need to provide?

Completed Application Form

  • We will provide you with the run-of-the-mill-application form to detail out all the information that we require to disburse your loan

Passport-Size Photograph

  • This photo should be fairly recent and indicative of your current physical appearance

Identity (ID) Proof

  • This can be Aadhaar Card/ Pan Card/ Government ID (If you happen to be a government employee)

Address Proof

  • Your Aadhaar Card is the go- to- document here. In case your current address is not updated in Aadhaar Card, one certified copy of any Official Valid Document (OVD) is required. These OVD’s are either your Passport, Voter ID or Driving License. Your utility bills from last 2 months may also apply here

For Salaried Individuals

  • A salary slip for the past 3 months. A copy of the latest Form 16. Updated bank statements showing salary and saving entries for the 6 months

For Self- Employed Individuals

  • Business profile- A note of information on the nature of the business/ profession, form of organization, clients, suppliers etc. Last 6 months main operative bank statement. Last 2 years Income Tax Returns and financials, including balance sheets and profit and loss accounts of the business/ profession

*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

How Do I Apply For a Loan?

application form
  • Fill our application form. It only takes 3 minutes to do so!
online chat
  • Our customer representative will talk to you for a quick chat
loan approved
  • Congratulation! You’re on your way to secure a loan against property


What is the minimum loan amount I can avail?

At Clix, you can apply for a housing loan that ranges from 10 lakhs to 1 Crore

What will be the tenure, interest rate and EMI of loan against property?

At clix, we provide loans for the tenure of 15 years – however, this figure is dependent on the age and income of the borrower. Meanwhile, the standard interest rate on these loans is around 17% and also can choose from customized repayment (EMI) and down payment options

What Security/ collateral I need to provide?

Generally speaking, the security that you need to provide for the loan is the first and exclusive charge of the property to be financed. In this situation, the deposit of title deeds and/or other such collateral security is to be done as deemed necessary. The title to the property should be clear, marketable and free from any encumbrances. The property should also be within geographical limits of the cities where Clix has a branch office

How do I avail a Loan against property at Clix?

There’s a space at the top and bottom of this page to put in your phone number. Just provide the same and our customer representative will speak with you shortly to get a home loan online!

What is the concept of EMI?

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

What is the pre-EMI?

The pre-EMI is the interest you paid on the loan amount you receive before your EMI period begins. This usually happens in either 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

How can I reach out to Clix for any other information on my Loan against property?

Just call us on between 9:30am-6:30pm from Monday to Saturday (barring public holidays). Alternatively, you can also write to us at hello@clix.capital to resolve your queries

What if I have any other query when it comes to these loans?

It’s possible that some questions you might have aren’t answered in this FAQ. However, don’t worry – Clix has a Most Important Terms & Conditions (MITC) that you can read through to get all the clarity you would need on our loan structure. Please keep in mind that certain factors might vary based on the type of loan and our customer representative will clarify the same if need be

Click here and get ready for success

Apply now for simple, fast, and accessible loans for business from Clix.

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