A large number of properties in Delhi NCR are registered under GPA. GPA stands for general power of attorney. General power of Attorney is a legal instrument that is used by a person (granter) to confer authority on other person (grantee) to act on his behalf. The action performed by GPA holder is deemed to be performed by the granter itself. But one fact with GPA is that it doesn’t give any ownership of the property to the grantee. For an individual residing in a GPA property, it is an uphill task to get a Loan against GPA Property from a bank. Banks usually don’t entertain applications for Loan against GPA Property. One of the main reason for this is that GPA doesn’t create any ownership of property for GPA holder. It has been observed that individuals with good income also face problems in getting a Loan against GPA Property.
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