Unlock the Value of Your Property with a Loan Against Property
Get Financial Assistance While Retaining Ownership
A Loan Against Property (LAP) allows you to leverage the value of your residential or commercial property to secure a high-value loan while continuing to own and use the property. Whether for business expansion, education, medical emergencies, or debt consolidation, this loan provides a reliable financial solution with flexible repayment options.
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Apply for a Loan Against Property
Get instant access to financing with flexible terms and minimal documentation.
Key Features and Benefits of Our Loan Against Property
Securing a loan is easier when you meet the eligibility criteria and have the necessary documents ready. Follow these steps to improve your approval chances and get the funds you need to grow.
Before applying, ensure you're well-prepared:
Create a solid plan outlining goals & financial projections.
Check your credit score to understand financial health.
Determine the loan amount needed based on requirements.
Conduct market research to compare options & rates.
Keep all required documents ready for a smooth application.
Documents Required to Apply for a Loan Against Property
Ensure you have the following documents ready to make your loan process quick and smooth.
Identity Proof
Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card
Bank Statement
12 months current account
Property Valuation Report
Latest certified valuation
Address Proof
Aadhaar, Voter ID, Passport
Photograph
Passport-size photographs
Property Documents
Ownership Documents
Building Approvals
Approved Building Plan & Encumbrance Certificate
Business Proof
Partnership Deed, Memorandum of Association (MOA), Articles of Association (AOA), etc
Loan Against Property Eligibility Criteria
To qualify for a loan, you need to meet certain conditions. Lenders evaluate several parameters before approving your loan application.
Age Criteria
Min. 21 years at application, Max. 65 years at maturity
Loan-to-Value Ratio (LTV)
Up to 70% of the property’s value
Employment Stability
Proof of steady job or business continuity
Annual Turnover
As defined by Bank/NBFC
Credit Score
700+ preferred
Cash Flow
Assessed for repayment capacity
Collateral
For secured loans - real estate, inventory
Operational History
At least 1 year's continuity