Loan Against Property
A Loan Against Property (LAP) allows you to unlock the value of your residential, commercial, or industrial property and obtain funds for personal or business requirements. Since the loan is secured against property, borrowers can avail higher loan amounts at attractive interest rates and longer repayment tenures.
Apply for Loan Against Property
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Loan Against Property Features & Benefits
Higher Loan Eligibility
Secure a significantly higher loan amount compared to unsecured lending options.
Lower Interest Rates
Benefit from lower rates than personal loans due to the property collateral.
Longer Repayment Tenure
Spread repayment over up to 30 years for comfortable, manageable EMIs.
Continue Property Ownership
Retain full ownership and use of your property throughout the loan tenure.
Multipurpose Usage
Use funds for business expansion, education, medical needs, or any requirement.
High Funding Capacity
Unlock significant liquidity based on the market value of your property.
Flexible Repayment Structure
Choose EMI options that suit your income cycle and repayment capacity.
Attractive Balance Transfer
Transfer existing high-rate loans to get better terms and lower interest.
Higher Loan Eligibility
Secure a significantly higher loan amount compared to unsecured lending options.
Lower Interest Rates
Benefit from lower rates than personal loans due to the property collateral.
Longer Repayment Tenure
Spread repayment over up to 30 years for comfortable, manageable EMIs.
Continue Property Ownership
Retain full ownership and use of your property throughout the loan tenure.
Multipurpose Usage
Use funds for business expansion, education, medical needs, or any requirement.
High Funding Capacity
Unlock significant liquidity based on the market value of your property.
Flexible Repayment Structure
Choose EMI options that suit your income cycle and repayment capacity.
Attractive Balance Transfer
Transfer existing high-rate loans to get better terms and lower interest.
Eligibility Criteria
- Property Owner: Applicant must own a residential, commercial, or industrial property.
- Age: Applicant should be between 21 and 65 years.
- Stable Income Source: Regular income from salary, business, or profession.
- Clear Property Ownership: Property must have clear title with no legal disputes.
- Good Credit History: Healthy credit score and repayment track record preferred.
- Indian Resident: Applicant must be a resident of India.
Note: Eligibility may vary depending on the lender's policies and property profile.
Documents Required
- Applicant & Co-applicant KYC — PAN Card, Aadhaar Card, Photograph
- Company / Firm KYC — GST Registration Certificate, Udyam Aadhaar, PAN Card, MOA, AOA, COI, List of Directors & Shareholders
- GST Returns 3B — Latest 12 Months
- 26AS — Last 3 Years (Applicant & Co-applicant)
- Complete Financials — Latest 3 Years CA Certified (ITR, Computation, Balance Sheet, P&L, Independent Report, Directors Report, Tax Audit Report with all schedules)
- All Applicant & Co-applicant Individual ITR with Computation — Latest 3 Years
- All Current Account Statements — Latest 1 Year (PDF format)
- All Applicant & Co-applicant Savings Account Statements — Latest 1 Year (PDF format)
- Running Loan Repayment Schedule / SOA (if applicable)
- Complete Property Papers — Chain Documents, Sanctioned Map & Property Photos
Simple Process
How to Apply for a Loan Against Property?
Share Property Details
Provide details of the property you wish to mortgage.
Property Evaluation
Our team arranges a technical and legal evaluation of the property.
Documentation Verification
Submit required financial and property documents for review.
Loan Approval
The lender reviews your profile and approves the loan.
Fund Disbursement
Approved loan amount is credited directly to your account.
Frequently asked questions
A Loan Against Property (LAP) allows you to unlock the value of your residential, commercial, or industrial property to obtain funds for personal or business requirements at lower interest rates and longer tenures.
Residential, commercial, and industrial properties with clear legal title are typically accepted. The loan amount depends on the current market value of the property.
Yes. You retain full ownership and use of your property throughout the loan tenure. The lender only holds the title as security.
Lenders typically offer 50–70% of the property's current market value (Loan-to-Value ratio), subject to income eligibility and creditworthiness.
After document submission and property evaluation, approvals typically take 7–15 working days depending on the lender and property type.