Loan Against Property (LAP) – Unlock the Value of Your Property
Raise high-value funds by mortgaging your residential or commercial property. Ideal for business expansion, personal needs, education, medical expenses, or debt consolidation.
Funding up to 50%–70% of property market value
Attractive interest rates compared to unsecured loans
Available for salaried, self-employed & NRI applicants
Flexible tenures up to 15–20 years
Quick approval with simplified documentation
Secure, transparent and customised loan solutions across India.
Solutions for All Your High-Value Funding Needs
Use your real estate asset to obtain long-term, low-interest funding for any major financial requirement.
Loan Against Residential Property
Finance using self-occupied or rented residential property.
Loan Against Commercial Property
Raise funds against offices, shops or commercial units.
Lease Rental Discounting (LRD)
Secure a loan against rental income from leased commercial properties.
NRI Loan Against Property
Funding for NRIs against property owned in India, with POA support.
Balance Transfer LAP
Transfer an existing LAP to a lender offering lower interest.
Top-Up on Existing LAP
Get additional funding over your existing property loan.
Overview of Loan Against Property (LAP)
A Loan Against Property allows you to pledge your residential or commercial property to secure a large loan for personal or business purposes. Since the loan is backed by an immovable asset, interest rates are generally lower compared to unsecured loans such as personal loans or business loans.
Funds can be used for business expansion, working capital, medical expenses, overseas education, property renovation, consolidation of existing debt, or any legitimate personal or professional requirement.
We work with major banks and NBFCs across India to help you compare offers and choose the most suitable LAP based on your income profile, property value and long-term funding goals.
Frequently Asked Questions
Get answers to common questions about property loans
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