A Loan Against Property (LAP) allows you to get a high-value loan by pledging your residential, commercial, or industrial property as security. It is an ideal solution for meeting big financial needs such as business expansion, education, medical expenses, or debt consolidation. With attractive interest rates, long repayment tenure, and easy documentation, LAP gives you the funds you need without selling your property.
High Loan Amount: Up to 60%–80% of property value
Low Interest Rates: Cheaper than personal or business loans
Flexible Tenure: 5 to 20 years repayment
Use for Any Purpose: Business, wedding, education, medical, etc.
Eligible Properties: Homes, flats, shops, offices, industrial units
Quick Processing: Fast approval with simple paperwork
Keep Using Your Property: You remain the owner throughout the loan
Salaried Employees (Private/Government job)
Self-Employed Individuals
Business Owners & Professionals
Property Owners aged 21 to 65 years
Applicants with clear property title
Individuals with a stable income & good credit score
Aadhaar Card & PAN Card
Passport-size photographs
For Salaried:
Salary slips (3–6 months)
Bank statements (6 months)
Form 16 / ITR
For Self-Employed / Business Owners:
ITR for last 2–3 years
Profit & Loss statement & Balance Sheet
GST registration / Business proof
Bank statements (6–12 months)
Property title documents
Property tax receipts
Approved building plan
Encumbrance certificate (if needed)
NOC (if applicable)
Monthly EMI: ₹0
Total Payment: ₹0
Total Interest: ₹0
Total Months: 0
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