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Bank loan calculate on itr and property value based

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(Querist)
01 April 2022 Sir,
1.A small business person sales turnover rs:34 lacs in f.y.20-21.
Sales turnover rs:38 lacs in f.y.21-22.
2.A person purchase of land property value rs:40 lacs
Question:
1.how much loan available on itr based from bank
2.how much loan available on land property based from bank.
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CA R SEETHARAMAN

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CA R SEETHARAMAN (Expert)
02 April 2022 1 loan available upto 25% of the turnover.
2 loan available for 80% of the property value.

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