My floor has no separate registered plan. Will a bank lend?

Many will, if the floor is lawfully built and the sale deed describes it clearly. The report records what was found on site against the plan, which is what the credit team needs to decide.

Our tower is still waiting for its occupation certificate. What then?

The bank will usually lend less, or only through an approved project tie up. The report states the project status honestly, because hiding it only delays the sanction.

The bank's own valuation came in low. Can I challenge it?

You can bring an independent report with a real inspection and recent registered sales. Either it confirms the bank's figure or it gives you evidence to ask for a review.

Bank loan valuation in Gurugram

Lenders in Gurugram ask harder questions of a builder floor or a tower without its occupation certificate than of a plain flat. We write bank format reports that answer those questions before the credit team asks them.

What a Gurugram lender is really checking

For a builder floor, the bank wants to know which floor it owns, what share of the land comes with it, and whether the sanctioned plan matches what was built. A fourth floor or a stilt conversion that was never approved changes the lending value.

For a flat in a tower, the occupation certificate is the question. A tower still waiting for it is lent against more cautiously, and the report has to say plainly where the project stands.

For an HSVP or licensed colony plot, the bank wants the allotment chain and access stated, so it knows what it could sell if it ever had to.

What we deliver

A report on your bank's own form, whichever lender you use.
Market value and forced sale value, with the reasoning for each.
Floor, land share and approval status recorded for builder floors.
A site visit usually within a day of your call, since Gurugram is close to our head office, and the report in 48 to 72 hours.

Loans against property after the price run up

Many Gurugram owners bought a floor or a flat years ago and now hold far more equity than their old valuation shows. For a loan against property or a balance transfer, a fresh report with registered comparables can raise the sanction considerably. One inspection, and you borrow on today's number.

Gurugram loan valuation questions

My floor has no separate registered plan. Will a bank lend?: Many will, if the floor is lawfully built and the sale deed describes it clearly. The report records what was found on site against the plan, which is what the credit team needs to decide.
Our tower is still waiting for its occupation certificate. What then?: The bank will usually lend less, or only through an approved project tie up. The report states the project status honestly, because hiding it only delays the sanction.
The bank's own valuation came in low. Can I challenge it?: You can bring an independent report with a real inspection and recent registered sales. Either it confirms the bank's figure or it gives you evidence to ask for a review.

Everything we do in Gurugram
How bank loan valuations work

Checked by Parish Rao, Chartered Engineer and Government Approved Valuer (Registration number CAT-I/443/117/2000-01).

Page last checked on 6 October 2026.

Need a bank format valuation in Gurugram?

Tell us what you need valued. We will message you on WhatsApp with which report you need and what it costs, free of charge.

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