To get a loan against property, you generally need to follow these steps:

1. Determine your eligibility: Understand the criteria set by lenders to qualify for a loan against property. These criteria may include factors such as property value, your income, credit history, and existing liabilities.
2. Research and compare lenders: Explore various banks, financial institutions, and non-banking financial companies (NBFCs) that offer loans against property. Compare their interest rates, loan tenure, processing fees, and other terms and conditions to find the most suitable option.
3. Gather necessary documents: Prepare the required documents, which typically include:

   a. Identity proof (e.g., PAN card, passport, Aadhaar card) b. Address proof (e.g., utility bills, rental agreement) c. Property documents (title deed, sale deed, property tax receipts) d. Income proof (salary slips, bank statements, income tax returns) e. Employment proof (employment certificate, business continuity proof for self-employed individuals) f. Any other documents as specified by the lender

4. Evaluate your property: The lender will assess the value of your property to determine the loan amount they can offer. They may conduct a physical inspection or request property valuation reports from approved evaluators.
5. Apply for the loan: Visit the lender’s branch or apply online, depending on their processes. Complete the loan application form and submit it along with the required documents.
6. Verification and processing: The lender will verify the documents provided and may also conduct a background check, including your credit score. If everything is satisfactory, they will proceed with the loan processing.
7. Loan sanction and offer letter: Upon approval, the lender will issue a sanction letter that specifies the loan amount, interest rate, tenure, and other terms and conditions. Review the offer letter carefully and seek clarification if needed.
8. Acceptance and legal formalities: If you agree with the terms mentioned in the offer letter, signify your acceptance by signing and returning it to the lender. The lender will then initiate the legal and technical due diligence process.
9. Loan disbursal: Once all legal and technical formalities are complete, the loan amount will be disbursed to your bank account or as per the agreed method, either in full or in installments.

Remember, the process may vary slightly depending on the lender and your specific circumstances. It is advisable to consult with the lender directly or seek professional advice to get accurate and up-to-date information for your loan against property application.