कागज़नामा

Loan Agreement Against Property

एक नज़र में

कीमत: मुफ़्त
स्टाम्प ड्यूटी: Stamp under whichever article fits the agreement's actual contents (Punjab/Chandigarh) — separate from the mortgage's, title-deed memorandum's or hypothecation's own duty.
रजिस्ट्री: No property interest transferred by itself.
गवाह: Contractual — s.59's two-witness rule binds the mortgage, not every loan agreement.

मुफ़्त

दस्तावेज़ मुफ़्त हैं। किट हमारे लॉन्च के दौरान मुफ़्त हैं।

मुफ़्त: एक दिन में 5 दस्तावेज़ तक।

आसान सवाल, पूरा ड्राफ़्ट स्क्रीन पर, Word में डाउनलोड करें।

सभी कीमतें देखें

इन नामों से भी

LAP agreement
property-backed loan agreement
mortgage-backed loan contract

कब ज़रूरत पड़ती है

Document a loan against property: the credit agreement sets commercial terms; a separate mortgage/security instrument secures it. State facility type, amount, interest structure, tenure, permitted end use, fees, prepayment, default and security form — don't label it a mortgage unless it meets mortgage formalities.

क्या यह यहीं भरा जा सकता है

यह यहीं भरा जा सकता है

यह दस्तावेज़ आप इसी साइट पर भर सकते हैं, और कुछ भी तय करने से पहले पूरा मसौदा स्क्रीन पर पढ़ सकते हैं। यह ध्यान से तैयार किया गया प्रारूप है; आपके अपने हालात पर दी गई सलाह नहीं।

इसे भरना शुरू कीजिए

स्टाम्प ड्यूटी, रजिस्ट्री और गवाह देखें

नीचे जो लिखा है वह पंजाब और चंडीगढ़ के लिए है। इसमें वहीं की स्थिति दी गई है, यह नहीं कि यह कहाँ-कहाँ कैसे बदलती है — यानी नीचे की रकमें वही हैं जो लागू होती हैं। दरें बदलती रहती हैं, इसलिए सब-रजिस्ट्रार दफ़्तर से पक्का कर लेना ठीक रहता है। अगर प्रॉपर्टी भारत में कहीं और है, तो इनमें से कुछ भी आपके लिए नहीं है।

स्टाम्प ड्यूटी

Stamp under whichever article fits the agreement's actual contents (Punjab/Chandigarh) — separate from the mortgage's, title-deed memorandum's or hypothecation's own duty. Buy on/before signing (s.17); unclear article, get Collector adjudication (s.31). Under-stamped, it's inadmissible until the deficiency and penalty are paid (s.35).

रजिस्ट्री

No property interest transferred by itself. Register the separate mortgage when s.59/s.17 requires it.

नोटरी

Not required unless the lender has its own attestation process.

गवाह

Contractual — s.59's two-witness rule binds the mortgage, not every loan agreement.

स्टाम्प पेपर का अनुरोध करें

Sample preview — placeholder answers, not your data

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LOAN AGREEMENT AGAINST PROPERTY

Agreement date: 1 April 2026

Borrower: Aarav Sharma, Sector 21, Panchkula. Lender: ABC Bank Ltd, Sector 17, Chandigarh. Loan reference: HL-2026-118.

FACILITY

Type: Term loan against property. Principal: ₹90,00,000 (Rupees Ninety Lakh only). Interest: 9.25% per annum; rate type Floating rate linked to identified benchmark. Benchmark/spread: Repo-linked benchmark + 2.75% Term: 120 months. Initial instalment: ₹1,15,000 (Rupees One Lakh Fifteen Thousand only)

END USE

Permitted end use: Business working capital; no speculative or prohibited use..

SECURITY

Property: Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., in Punjab; value/reference context ₹1,50,00,000 (Rupees One Crore Fifty Lakh only). Security form: Registered simple mortgage.

COSTS AND RATE RESET

Fees/charges: Processing fee as KFS; legal/valuation at actual disclosed amount.. Prepayment: As disclosed in lender KFS/loan terms and applicable RBI directions. Floating-rate reset disclosure: Lender will communicate benchmark reset impact and borrower options as required.

DEFAULT

Events: Non-payment, material misrepresentation, unauthorised disposal/security impairment.. Remedies are exercisable only through the valid security documents and applicable law.

EXECUTION

______________________________
Signature
Borrower: Aarav Sharma
Place: ____________________
Date: 1 April 2026

______________________________
Signature
Lender: Authorised Signatory, ABC Bank Ltd
Place: ____________________
Date: 1 April 2026

______________________________
Signature
Witness 1: Neeraj Khanna
Place: ____________________
Date: 1 April 2026

______________________________
Signature
Witness 2: Simran Kaur
Place: ____________________
Date: 1 April 2026

LEGAL BASIS

In Punjab the holder of a site allotted by a development authority cannot transfer any right in it, a mortgage included, without the authority's previous permission (section 43(7) of the Punjab Regional and Town Planning and Development Act, 1995), and the authority gives that permission only to the allottee on its file. In Chandigarh a leasehold site needs the Estate Officer's permission to mortgage, a notified service under the Right to Service notification of 30 March 2026, and the Estate Office's checklist asks for an affidavit with it, which carries its own stamp duty. A mortgage by deposit of title deeds does not show in a Punjab Non-Encumbrance Certificate, which is why lenders also record the security in the Central Registry of Securitisation Asset Reconstruction and Security Interest of India.

इस दस्तावेज़ के साथ अक्सर ये भी चाहिए

होम लोन, बंधक और प्रॉपर्टी पर कर्ज़ पर वापस