Property-Backed Financing

Need Funds Against Your Property?

If you own an eligible residential, commercial, or industrial property, explore Loan Against Property options through our lending partner network.

Check LAP Eligibility Talk to a Loan Advisor

Property-backed assistance Multiple lending options Subject to lender eligibility

Check Your LAP Eligibility

Tell us about your property & profile

Full Name *

Mobile Number *

City *

Employment Type *

Monthly Net Income *

Approx. Property Value *

Property Type *

Loan Requirement *

Existing Loan/Mortgage? *

Purpose of Loan *

I agree to be contacted regarding my loan enquiry and understand that loan approval and terms are subject to the respective lender's eligibility criteria and policies.

What is Loan Against Property?

Loan Against Property (LAP) is a secured financing facility where an eligible residential or commercial property is offered as security to the lender. The lender evaluates the applicant, property, income, repayment capacity and other factors before deciding the loan amount and terms.

✓ Your property remains yours, subject to the lender's security interest and applicable loan terms.

Why Do People Consider LAP?

Since LAP is a secured loan, it is often utilized for major personal or corporate cash needs. Permitted use depends on the respective lender's policies.

Business Expansion

Traders and factory owners use funding to buy machinery, stock inventories, or invest in scale setups.

Working Capital

Manage raw cash flow gaps, supplier payouts, or seasonal operations cycles in small businesses.

Debt Consolidation

Merge multiple high-interest short-term credits into a single, lower-rate structured mortgage.

Education

Fund high-value global university enrollments or educational costs backed by family assets.

Property Requirements

Finance renovations, expansions, or new real estate acquisitions using your existing property asset.

Other Eligible Needs

Addresses any other legal financial requirements with larger capital requirements and longer repayment periods.

What Can Affect LAP Eligibility?

Lenders perform stringent dual reviews (financial and physical property evaluation) before finalizing approval decisions.

Property Market Value

Lenders evaluate market rates via local evaluators. Loan amounts are capped as a percentage (LTV) of this valuation.

Property Type & Title

Residential and commercial properties are highly preferred. Clean, legally clear municipal title records are critical.

ITR & Income Profile

Salaries, audited business accounts, GST filings, and cash flows show if you can service the monthly EMIs.

CIBIL Credit Record

Lenders check payment histories of outstanding personal or commercial debts to gauge credit behavior.

The final loan amount and terms are determined by the respective lender after assessing the applicant and property.

LAP Evaluation Process

A step-by-step overview of how a Loan Against Property application moves forward.

Profile & Property Details

Submit details about yourself and the property online or to our advisor.

Eligibility Assessment

We review your financial profile and estimate potential eligibility across partner policies.

Explore Lender Options

Select matches from partner banks/NBFCs offering matching LTV caps and rates.

Documentation

Compile property title papers, blueprints, tax receipts, and business/income reports.

Legal & Valuation Checks

Lender-appointed lawyers and surveyors visit the site for technical and legal validation.

Credit Decision & Disbursal

Underwriters decide final approval and terms. Disbursal follows mortgage registration.

* Processing requirements and timelines vary by lender and case.

Own a Property and Need Funding?

Let us help you evaluate eligibility parameters and explore matching options across our partner network.

Check LAP Eligibility

Loan Against Property FAQs

Common questions regarding secured property loans, property eligibility, and timelines.

What is a Loan Against Property (LAP)?

LAP is a secured loan where the borrower pledges an eligible property (residential, commercial, or industrial) as security to the lender. The loan limit depends on a percentage of the property's market value.

Can I use a residential property for LAP?

Yes. Pledging self-occupied residential houses, rented apartments, bungalows, or vacant residential plots is allowed, provided the title is clear and registered.

Can I use a commercial property for LAP?

Yes. Shops, offices, warehouses, or showroom buildings can be pledged, subject to legal title clarity, structural approvals, and lender evaluation.

How much can I borrow under LAP?

Lenders generally sanction between 40% and 75% of the property's evaluated market value (called Loan-to-Value or LTV), based on your income repayment capacity.

Can self-employed business owners apply?

Yes. LAP is highly popular among self-employed business owners and traders to secure long-term business capital. Financial statements, business registration records, and GST summaries are evaluated for eligibility.

What happens if my loan application is rejected?

Lenders reject applications due to reasons like title search failures, unauthorized constructions, low credit history, or insufficient income. We help review your files to avoid multiple direct rejections that hurt your credit score.