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Loan Against Property (LAP)
A Loan Against Property empowers you to turn your real estate into meaningful financial support.
Unlock the True Potential of Your Property
Business Expansion
Higher Education
Wedding Expenses
Medical Emergencies
Working Capital
Home Renovation
Loan Against Property Details
Here is everything you need to know about Loan Against Property (LAP).
A Loan Against Property (LAP) is a secured loan where you mortgage your residential or commercial property to the lender. The property remains in your possession—only its ownership is transferred to the lender as collateral until the loan is repaid.
✓ Key Benefits
Loan Amount
₹5 Lakhs to ₹10 Crores
Interest Rate
Starting from 8.5% p.a.*
Loan-to-Value (LTV)
Up to 70%-90% of property value
Tenure
Up to 15-20 years
Processing Time
5-7 working days
Property Types
Residential, Commercial, Industrial
📋 Eligibility Criteria
Salaried Individuals
Age: 21–65 years
Minimum Income: ₹30,000 per month
Work Experience: Minimum 2 years
Property with clear and marketable title
Self-Employed / Business Owners
Age: 21–65 years
Business Vintage: Minimum 3 years
ITR: Last 2 years required
Property with clear and marketable title
PIO/OIC (Persons of Indian Origin/Overseas Indian Citizens)
Contact us for specific details as criteria may vary by lender.
📄 Required Documents
Salaried: Salary slips (6 months), Form 16
Salaried: Bank statements (6 months)
Salaried: KYC – PAN, Aadhaar, Address proof
Salaried: Property documents (Title deed, Tax receipts, Approved plan)
Self-Employed: ITR (last 2-3 years)
Self-Employed: Business proof (GST, Partnership Deed)
Self-Employed: Bank statements (12 months)
Self-Employed: Property documents
❓ Frequently Asked Questions
What is a Loan Against Property?
It is a secured loan where your property is used as collateral while you continue to retain possession.
What is the maximum loan amount available?
You can avail ₹5 Lakhs to ₹10 Crores depending on property value and eligibility.
How much LTV (Loan-to-Value) can I get?
Banks generally offer up to 70%-90% of the property's current market value.
What is the loan tenure for LAP?
Tenure ranges from 15 to 20 years depending on lender policy.
How long is the processing time?
It typically takes 5–7 working days for approval and disbursal.
Ready to Get Started?
Apply now to unlock the potential of your property and secure the funds you need with competitive rates.
