Loan Against Property

A Property Loan, commonly known as Loan Against Property (LAP), is a secured loan where you can pledge your residential, commercial, or industrial property as collateral to obtain funds for personal or business needs. Unlike a Home Loan, which is specifically used to purchase or construct a house, a Property Loan gives you financial flexibility — the funds can be used for business expansion, working capital, education, medical emergencies, debt consolidation, or any other legitimate purpose.

If you own property, you already possess a valuable financial asset. Instead of selling that property during financial need, a Loan Against Property allows you to unlock its value while continuing to retain ownership. With structured repayment options and competitive interest rates, Property Loans are one of the most cost-effective secured borrowing solutions available.

We provide customized Property Loan solutions designed to meet both personal and business financial requirements. Our transparent process, competitive interest structure, quick approval system, and dedicated assistance make borrowing smooth and stress-free.

A Loan Against Property is a secured loan granted against owned property. The property remains in your possession, but the lender holds it as security until the loan is fully repaid. Since it is secured in nature, interest rates are generally lower than unsecured loans like Personal Loans.

The loan amount sanctioned depends on property valuation, repayment capacity, credit profile, and income stability. Both salaried individuals and self-employed professionals can apply.

Eligibility depends on property valuation, repayment capacity, credit history, age, and income profile. Applicants must own the property being pledged and ensure it has clear legal title.

The loan amount is determined based on the market value of your property and your repayment capacity. Generally, lenders finance up to 60%–75% of the property’s market value. For example, if your property is valued at ₹1 crore, you may be eligible for ₹60–75 lakh depending on income eligibility.

Fixed Interest Rate: EMI remains constant during the fixed period.

Floating Interest Rate: Interest fluctuates based on market conditions.

Since this is a secured loan, failure to repay EMIs may result in legal action and risk to the pledged property. It is important to borrow responsibly and choose EMI amount according to repayment capacity.

We are a trusted NBFC providing transparent Property Loan solutions with competitive interest rates and quick approvals. Our experienced team ensures smooth documentation, clear communication, and end-to-end support throughout the process. We focus on responsible lending and long-term customer relationships.

1. How much loan can I get against my property?
Up to 60–75% of the market value depending on income eligibility.

2. Can I continue using my property?
Yes, you retain ownership and possession while repaying the loan.

3. What is the maximum tenure?
Tenure can extend up to 20 years.

4. Can I transfer my existing Property Loan?
Yes, balance transfer facility is available.

5. Is prepayment allowed?
Yes, part-prepayment and foreclosure options are available as per terms.

6. Is income proof mandatory?
Yes, income proof is required to assess repayment capacity.

7. What happens if I default?
Continuous default may lead to legal recovery proceedings.

8. How long does approval take?
Approval typically takes a few working days after verification.