Local factors
Local factors in Shahdara that shape your industrial property loan file
- Seelampur market
- Vivek Vihar
- Dilshad Garden
Shahdara lies across the Yamuna in north-east Delhi and is one of the city’s densest trading and residential areas. It includes Dilshad Garden, Vivek Vihar, Seelampur and the Jhilmil Industrial Area.
Practical tip for Shahdara: for older buildings, a recent structural condition report can help the lender’s valuation go smoothly.
Going directly to one bank gives you that lender’s view only. A consultant compares several lenders, prepares the file and coordinates with the lender, but cannot promise approval; the lender always decides.
Loan-to-value (LTV): lenders finance only a percentage of their own assessed property value, commonly in the region of 50–75% for loan against property depending on property type, use and borrower profile. The lender’s valuation, not the market price, sets the figure.