PROPERTY FINANCE

Loan Against Property - Unlock Property Value

Residential • Commercial • Industrial • Lower interest rates • Long tenure

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Calculate EMI Apply Now
₹10 Crores
Maximum Loan
8.5%
Interest From
20 Years
Max Tenure
70%
LTV Ratio

Why Choose Loan Against Property?

Leverage your property to access high-value funds at attractive interest rates

Loan Against Property (LAP) allows you to use your residential, commercial, or industrial property as collateral to secure a high-value loan. Since it's a secured loan, you get lower interest rates compared to personal loans and can borrow larger amounts.

Key Advantage: You continue to own and use your property while accessing funds for business expansion, debt consolidation, education, medical emergencies, or any other financial need.

Lower Interest Rates

Starting from 8.5% p.a. - much lower than unsecured loans

High Loan Amount

Get up to 70% of property value, maximum ₹10 crores

Long Repayment Tenure

Flexible tenure up to 20 years for comfortable EMI

Retain Property Ownership

Continue to own and use your property while accessing funds

Multiple Use Cases

Use funds for business, education, medical, or any purpose

Quick Processing

Fast approval and disbursal within 7-10 working days

PROPERTY TYPES

Acceptable Property Types

Residential Property
Commercial Property
Industrial Property
Residential Plots (Approved)
Shops & Showrooms
Office Spaces
Warehouses & Godowns
Mixed-Use Properties

LOAN USAGE

Use Funds For Any Purpose

Business Expansion
Higher Education
Wedding Expenses
Medical Emergency
Debt Consolidation
Home Renovation
Working Capital
Asset Purchase

Eligibility Criteria

  • Age: 21 to 70 years
  • Property: Clear & marketable title
  • Income: Stable income source required
  • CIBIL Score: 700+ (Preferred)
  • LTV: Up to 70% of property value

Documents Required

KYC Documents

Income Proof

Bank Statements

Property Papers

Title Deed

Property Valuation

FINANCIAL PLANNING TOOLS

EMI & Balance Transfer Calculator

Calculate your LAP EMI or compare balance transfer savings

₹50,00,000
₹5L ₹10Cr
8.5%
5% 15%
15 Years
1Y 20Y
Monthly EMI
₹49,237
Principal Amount
₹50,00,000
Total Interest
₹38,62,660
Total Payment
₹88,62,660
Principal: 56.4%
Interest: 43.6%
₹50,00,000
₹5L ₹10Cr
15 Years
1Y 20Y
8.5%
5% 15%
7.5%
5% 15%
Current EMI
₹49,237
New EMI
₹46,350
💰
Total Savings with Balance Transfer
₹5,19,660
Monthly Savings: ₹2,887 • Over 15 years
Current Total Payment
₹88,62,660
New Total Payment
₹83,43,000
Apply for LAP Get Expert Advice

LAP FAQS

Frequently Asked Questions

How much loan can I get against my property?

You can get up to 70% of your property's market value as a loan. The exact amount depends on property valuation, your income, and repayment capacity. Maximum loan amount is ₹10 crores.

Can I continue living in my property during the loan?

Yes, absolutely! You retain complete ownership and can continue living in or using your property while the loan is active. The lender only has a lien on the property until the loan is fully repaid.

What types of properties are eligible for LAP?

Residential properties, commercial properties, industrial properties, approved residential plots, shops, office spaces, and warehouses are eligible. The property must have clear and marketable title.

How long does LAP approval take?

With complete documentation and property papers, initial approval takes 3-5 days. After property valuation and legal verification (which takes 3-5 days), final disbursal happens within 7-10 working days.

Can I prepay my loan against property?

Yes, you can prepay your LAP partially or fully. Most lenders allow prepayment after 6 months with minimal or no prepayment charges. Check your specific lender's prepayment policy for exact terms.

Unlock Your Property's Value Today!

Get instant LAP approval at lowest interest rates

Apply via WhatsApp Email: ops.finarrow@gmail.com