- High Loan-to-Value Ratio (Up to 75%)
- Competitive Interest Rates
- 100% Transparent Process
A Loan Against Property (LAP) allows you to unlock the value of your residential or commercial property to meet your financial needs. Get substantial funding at competitive interest rates with flexible repayment options for business expansion, education, medical emergencies, debt consolidation, or any personal requirement—all without selling your property.
Scale your business operations, open new branches, purchase inventory, or upgrade infrastructure with high-value funding.
Consolidate multiple high-interest loans into a single affordable EMI and improve your cash flow management.
Fund higher education abroad or manage medical emergencies with immediate access to substantial funds.
Plan your dream wedding, vacation, home renovation, or any major life event without financial constraints.
Get substantial funding from ₹10 lakhs to ₹5 crore based on your property's market value and eligibility.
Enjoy competitive interest rates lower than personal loans, as your property serves as collateral security.
Spread your repayments over extended periods with flexible EMI options that suit your financial capacity.
Use the loan amount for any purpose—business, education, medical, wedding, or personal needs without restrictions.
Continue to own and use your property while accessing its value—no need to sell your valuable asset.
Avail tax deductions on interest paid if the loan is used for business or property purchase/construction purposes.
You can apply for a Loan Against Property if you meet the following criteria:
Age of Applicant: 25 to 70 years
Must own residential or commercial property (self-occupied or rented)
Minimum property value: ₹15 lakhs (varies by lender)
Salaried or self-employed with stable income
Good credit score (typically 650+ for better rates)
Clear property title and approved legal documentation
Residential properties (apartments, houses, plots), commercial properties (shops, offices, warehouses), and industrial properties with clear titles and approved documentation are eligible.
You can typically get 50-75% of your property's current market value as a loan, depending on the lender's policy, property type, location, and your repayment capacity.
Yes, LAP funds can be used for business expansion, debt consolidation, education, medical expenses, weddings, home renovation, or any personal/professional requirement without restrictions.
KYC documents, income proof, property papers (title deed, sale deed, tax receipts, NOC), bank statements, and property valuation report from approved valuers are typically required.
After property valuation and document verification, LAP approval typically takes 7-15 working days. Disbursal follows within 3-5 days post-approval and legal clearance.
