Unlock Your Property's Value with
Easy LAP
Get high-value loans against your residential or commercial property. Enjoy low interest rates, longer repayment tenures, and quick processing to meet all your large financial needs.
High LTV
Get Max Property Value
Up to ₹2 Crore
Maximum Loan Amount
20 Years Tenure
Longer Repayment
LAP Highlights
Everything you need to know about our Loan Against Property at a glance.
Loan Amount
₹10 Lakhs – ₹2 Crore
Get the capital you need based on your property's market value.
Interest Rate
Starting From 9.00%*
Secured loan means significantly lower interest rates for you.
Tenure
Up to 20 Years
Longer repayment options to reduce your monthly EMI burden.
Quick Processing
Within 3–5 Days
Fast property valuation and legal checks for quick disbursal.
Why Choose Our LAP
Experience a seamless borrowing journey with industry-leading benefits designed exclusively for property owners.
High Value Loans
Unlock the dormant value of your property to get large funding amounts.
Lower EMI Burden
Longer tenures and lower interest rates make your EMIs highly affordable.
Retain Ownership
You continue to own and use your property while enjoying the loan funds.
Multi-purpose Usage
Use funds for business expansion, child's education, medical needs, or marriage.
All Properties Accepted
Loans available against residential, commercial, or industrial properties.
Transparent Process
Clear communication regarding legal, technical valuation, and processing fees.
LAP EMI Calculator
Estimate your monthly EMI and plan your finances with our easy-to-use calculator.
Equated Monthly Installment (EMI)
₹10,747
Total Interest
₹1,44,817
Total Payment
₹6,44,817
LAP Benefits
Unlock maximum benefits by leveraging your property's value.
High Loan-to-Value (LTV)
Get up to 70-80% of your property's market value as a loan amount.
Continual Usage
Keep using your property for residence or business while repaying the loan.
Debt Consolidation
Use LAP to pay off multiple high-interest unsecured loans easily.
Easy Documentation
Simple and transparent property valuation and legal check process.
Multiple Bank Options
Compare and choose the best loan offers from top partnered banks.
Doorstep Service
Enjoy VIP assistance with document collection right from your home or office.
Explore Other Loans
Check out our wide range of loan solutions tailored to meet your unique financial needs.
Eligibility Criteria
Simple requirements to ensure a smooth LAP approval process.
Property Ownership
Must have clear and marketable title of the property.
Age 21–65 Years
Age bracket for the primary applicant/co-applicant.
Stable Income
Salaried or Self-employed with a steady source of income.
Property Type
Residential, commercial, or industrial properties accepted.
Good CIBIL Score
A healthy credit history with a CIBIL score of 650 or higher.
Valid Documents
Proper KYC, income proof, and property documents required.
Required Documents
Keep these documents handy to ensure a lightning-fast loan approval process.
Aadhaar Card
PAN Card
Property Deeds
Approved Plan/Tax Receipt
Bank Statement (6 Months)
Income Proof (ITR/Salary)
Address Proof
Passport Photos
Frequently Asked Questions
Find quick answers to common questions about Loan Against Property.
What is Loan Against Property (LAP)?
LAP is a secured loan where you pledge your residential or commercial property as collateral to get funds for your personal or business needs.
How much loan amount can I get?
You can get up to 70-80% of your property's current market value as the loan amount. The exact amount depends on property type, location, and your repayment capacity.
Can I continue to use my property?
Yes, absolutely! You retain full ownership and usage rights of the property while you repay the loan. You only pledge the title deeds with the bank.
What types of properties are accepted?
We accept self-occupied residential properties, rented residential properties, commercial properties, and even select industrial properties.
What is the maximum tenure for LAP?
Because it is a secured loan, LAP offers longer repayment tenures up to 15 to 20 years, ensuring your monthly EMIs remain small and affordable.
Who can apply for this loan?
Both salaried individuals and self-employed professionals/business owners can apply for LAP, provided they have a steady income and clear property title.