Section 5.5: Property Loan Category
Property Mortgage & LAP Management
Manage high-ticket mortgage credit secured against residential houses, apartments, commercial shops, office space, or plot land. Evaluate assessed valuation, legal title verification, title deeds, and LTV ratios up to 75%.
Property Assessment Parameters
- Property Category (Residential, Commercial, Plot, Land)
- Complete Physical Address & Survey Number
- Ownership Type & Owner Name
- Area in Square Feet / Acres
- Assessed Market Value & Valuer Name
- Title Deed Number & Registration Sub-Registrar
- Loan-to-Value (LTV) Percentage Calculation
Title Deeds & Legal Search Clearance
- Original Title Deed & Mother Deed Documents
- Encumbrance Certificate (EC - Last 13/30 Years)
- Approved Property Valuation & Assessment Report
- Legal Title Search Clearance Report
- Property Tax Paid Receipts & Building Plan Sanction