loan against property To get a loan against property without income proof, you can consider using any of the following ways: You can add a co-applicant who has a good credit history and proper income documents. You can explain your income to the bank representative in detail if you do not have an ITR form. The bank statement can prove to be a useful tool in this regard. • Justify your reason of not filing ITR with a genuine reason, and also consult a tax consultant.