Loan Against Property

Leverage your property value without selling it

Loan Against Property (LAP) allows you to borrow against the value of your residential or commercial property without selling it. It's an excellent option for large financial requirements like business expansion, wedding expenses, education, or other needs. Maintain ownership while accessing substantial funds.

Key Benefits

High loan amounts (up to 0% of property value)
Loan up to ₹5 Crores
Competitive interest rates from 9.5% p.a.
Long tenure up to 20 years
Retain property ownership
Quick approval process
Flexible repayment options
Tax benefits on interest

How It Works

1

Property Assessment

Professional valuation of your property

2

Loan Approval

Loan amount sanctioned based on property value

3

Documentation

Legal documentation and property registration

4

Disbursement

Funds disbursed once all formalities are complete

Features

High loan-to-value ratio
Large loan amounts available
Long repayment tenure
Flexible EMI options
No restrictions on fund usage
Balance transfer facility
Top-up loan option
Tax benefits available

Why Choose Us?

Access large amounts of capital

Retain full property ownership

Long tenure reduces monthly burden

Competitive interest rates

Flexible repayment terms

No prepayment penalties

Quick processing

Expert guidance on documentation

Eligibility Criteria

Age: 21-65 years
Property: Residential or commercial property
Ownership: Clear and unencumbered title
Property Age: Preferably less than 25 years
Income: Depends on loan amount required
Credit Score: 650 or above preferred
Employment Stability: Minimum 2-3 years
Property Location: Recognized localities preferred

Ready to Get Started?

Explore our loan against property and take the next step towards your financial goals.