Loan Against Property (LAP)

Leverage your residential or commercial property to get a secured loan for business expansion, debt consolidation, or personal financial needs. Attractive interest rates and flexible repayment options available.

What is Loan Against Property?

A secured financing option where you pledge your residential or commercial property to obtain a lump-sum loan. Loan Against Property (LAP) is ideal for entrepreneurs, homeowners, and businesses that need higher loan amounts at lower interest rates compared to unsecured credit.

Why choose LAP with us?

  • Secured Loan Against Property
  • For Business & Personal Needs
  • Flexible Tenure & EMI Options
  • Quick Processing & Disbursal

Loan amounts, interest rates and tenure depend on property type, location and borrower profile.

Loan Against Property

LAP Product Options

Residential LAP

Finance against residential property for personal goals, renovation, or education expenses.

Commercial LAP

Borrow against commercial premises to fund business expansion or working capital.

Balance Transfer / Top-Up

Transfer existing property loans to us for better rates or take a top-up on your current loan.

Eligibility Criteria

  • Adult borrowers (18-70 years) with valid identity and address proof
  • Property in your name or jointly owned and marketable
  • Minimum income and credit score as per product guidelines
  • Clear title and legally compliant property documents

Documents Required

  • Identity proof (Aadhaar, PAN, Passport)
  • Address proof and latest property tax receipts
  • Title deed / sale agreement and encumbrance certificate
  • Bank statements (last 6-12 months) and income proof (salary slip/ITR)
  • Valuation & legal documents to be arranged during processing

Key Features

  • High loan-to-value (LTV) ratios depending on property and borrower profile.
  • Competitive interest rates compared with unsecured credit.
  • Flexible tenures up to 15–20 years to reduce EMI burden.
  • Option for bullet payment, part-prepayment and foreclosure (terms apply).

How to Apply

  1. Contact our LAP specialist via phone, email or visit a branch for a preliminary discussion.
  2. Submit property details and required documents for eligibility pre-check.
  3. On provisional approval, property valuation and legal checks will be initiated.
  4. Sign the loan agreement, complete mortgage formalities and receive disbursal.

Our team will guide you through valuation, documentation and quick disbursal.

Talk to an Expert

Get a tailored LAP quote based on your property and needs.

Phone: +91 12345 67890

Email: lap@yourdomain.com

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Quick FAQ

Q: How long does processing take?

A: Typically 7–21 business days depending on valuation and legal clearances.

Q: Can I prepay the loan?

A: Yes — part-prepayment and foreclosure options available subject to terms.

Customer Stories

Business Expansion

We helped a small manufacturer secure LAP to set up a second production line and increase capacity by 60%.

Debt Consolidation

A borrower consolidated multiple high-interest loans into one manageable LAP EMI.

Home Improvement

Homeowner used LAP to renovate and increase rental income substantially.