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Home Loan on GPA Property in Delhi – Loan Options for Unauthorised & GPA Homes
Owning a home in Delhi is quite common, even in areas where properties are transferred using a General Power of Attorney (GPA) rather than a registered sale deed. Many of these homes can be found in unauthorized or partially regularized colonies, which often leads banks to deny home loan applications.
We’re here to help with home loan assistance for GPA properties in Delhi, making it easier for buyers and current owners to secure funding through alternative lending institutions—even if the property is situated in a non-registered colony.
If your property is in places like Seelampur, Brahmpuri, Ghonda, Jagatpuri Extension, Vishwas Nagar, Durga Puri, Ashok Nagar Extension, Karawal Nagar Extension, Harsh Vihar, Meet Nagar, Saboli, Johripur Extension, Bhajanpura, Yamuna Vihar, Jafrabad, Zakir Nagar, Okhla Vihar, Abul Fazal Enclave Extension, Shaheen Bagh Extension, Batla House Extension, Jamia Nagar, Madanpur Khadar Extension, Jasola Village, Tughlakabad Extension, Sangam Vihar Block-J, Pul Pehladpur, Khanpur Extension, Dakshinpuri Extension, Tigri Extension, Neb Sarai Extension, Saidulajab Extension, Mehrauli Extension, Ghitorni Extension, Aya Nagar, Rangpuri Extension, Rajokri Extension, Bijwasan Extension, or nearby colonies—there may still be loan options available for you.
What Is a GPA Property?
A GPA property can be transferred using several important documents, including:
General Power of Attorney
Agreement to Sell
Will & Affidavit
Possession Letter
Payment receipts
These types of properties are quite common in various colonies in Delhi, especially where the registry process is either not allowed or is facing delays due to zoning or regularization issues.
Why Banks Reject GPA Properties
Many national and private banks tend to shy away from funding homes bought through a General Power of Attorney (GPA) for several reasons:
The ownership isn’t officially transferred through a registered sale deed.
Verifying the title can be quite complicated.
Some colonies might not be authorized or are still in the process of being regularized.
Regulatory lending guidelines often limit such funding options.
Because of these challenges, buyers and homeowners often need specialized GPA home loan solutions.
Our GPA Home Loan Services in Delhi
We’re here to help clients secure loans for:
Purchasing GPA properties
Getting a loan against a GPA house
Building on a GPA plot
Renovating or extending a GPA home
We work with private lenders and non-banking financial companies (NBFCs) that assess properties based on their location, possession status, and market value, rather than just the registry.
Loan Features and Highlights
✔ Loan Amount
Up to 65%–75% of property market value (location-based)
✔ Quick Processing
Initial approval within 24–48 working hours
✔ Flexible Repayment
Tenure options between 5 to 15 years
✔ Multiple Property Types Covered
GPA / SPA properties
Unauthorised colonies
Village abadi areas
Lal Dora extended zones
✔ Coverage Across 35+ Delhi Colonies
Including areas like:
Seelampur, Brahmpuri, Ghonda, Saboli, Johripur Extension, Bhajanpura, Yamuna Vihar, Jafrabad, Zakir Nagar, Okhla Vihar, Abul Fazal Enclave Extension, Shaheen Bagh Extension, Batla House Extension, Jamia Nagar, Madanpur Khadar Extension, Jasola Village, Tughlakabad Extension, Pul Pehladpur, Khanpur Extension, Dakshinpuri Extension, Tigri Extension, Neb Sarai Extension, Saidulajab Extension, Mehrauli Extension, Ghitorni Extension, Aya Nagar, Rangpuri Extension, Rajokri Extension, Bijwasan Extension, Mahavir Nagar Extension, Karawal Nagar Extension, Harsh Vihar, Meet Nagar, Ashok Nagar Extension, Jagatpuri Extension, Vishwas Nagar Extension, Durga Puri Extension, and surrounding localities.
Eligibility Criteria
Salaried individuals
Self-employed professionals
Small business owners
Property owners seeking loan against GPA house
Approval depends on their income stability, property valuation, and documentation strength.
Documents Required
Property Documents
GPA / SPA
Agreement to Sell
Possession proof
Utility bills
Document chain (if available)
Personal Documents
Aadhaar & PAN
Income proof or declaration
Bank statements
Why Choose Us for GPA Home Loans in Delhi?
We have a deep understanding of the unique property landscape in Delhi, especially when it comes to unauthorized properties.
Our strong connections with NBFCs and private lenders give you more options.
We pride ourselves on a transparent process—no empty promises here!
Our approval success rate is impressively high.
From the initial consultation all the way to disbursal, we provide comprehensive support.
We’re all about finding solutions, not just handing out rejections.
Your GPA Loan is Just One Step Away...
Features & Benefits
How to Improve the chances of getting Home loan
1. Credit clean-up : Your credit score is a vital factor of consideration. A high credit score makes it easier for you to get a loan. If you have a low credit score, identify the reasons by checking your credit report. Sometimes, minor errors affect your credit score adversely. In such a case, inform Credit Information Bureau (India) Limited (CIBIL) immediately about the error.
2. Assess your debt-to-income ratio : Lenders analyse your current income to determine your ability to pay the home loan EMIs. If possible, you can try to increase your annual income through a part-time job or by selling liquid assets like stocks. As your debt-to-income ratio increases, your chances of getting a loan can also increase.
3. Limit your borrowing : If you borrow more money than you need to meet your financial targets, your chances of getting a housing loan are reduced. Save and invest more, and take wise calls on how much money you require as a loan and submit an application for that particular amount.
4. Add a co-signor or guarantor : In certain cases, it can be difficult to get a loan on your own accord. Consider adding a co-signor or guarantor with a good credit score. A co-signor or guarantor ensures that you pay your home loan EMIs on time, and if you fail to do so, they are liable to repay the loan on your behalf. However, getting a co-signor or guarantor comes with its own terms and conditions and so be sure to take note of the same