Need Big Funds?
Use Your Property Without Selling It
Whether it’s for business expansion, education, medical needs, or personal goals — a Loan Against Property gives you the financial boost you need by leveraging your owned residential or commercial property.
What is Loan Against Property
A Loan Against Property (LAP) is a type of secured loan where you pledge your residential, commercial, or industrial property as collateral to get funds from a bank or NBFC. The loan amount depends on the property’s market value, your income, and repayment capacity.
You continue to own and use the property, while utilizing the funds for:
Business investments
Higher education
Marriage expenses
Debt consolidation
Medical emergencies
Any big personal or professional need
Loan Against Property Options:
Loan Against Residential Property
Loan Against Commercial Property
Loan Against Rented Property
Loan for Self-Occupied or Vacant Property
Features & Benefits
Longer Repayment Tenure
Tenure up to 15–20 years for flexible EMIs.
Lower Interest Rates
Since it’s a secured loan, interest rates are lower compared to personal loans.
High Loan Amounts
Get loans up to ₹5 crores or more, depending on the property's value.
Balance Transfer Facility
Shift your existing LAP to a lender offering lower rates.
Who Can Apply?
Salaried Individuals
If you are employed with a government body or a private company and receive a regular salary, you can apply. Your income stability and job history help determine your loan eligibility.
Self-Employed Professionals
Doctors, architects, chartered accountants, and other professionals who run their own practice or firm can leverage their residential or commercial property to access funds at competitive interest rates.
Business Owners
Entrepreneurs and MSME owners can use their owned property to secure a loan for working capital, expansion, or operational needs. Financial statements and business vintage will be key in eligibility.
Partnership Firms / Private Limited Companies
If your registered firm owns commercial or industrial property, you can apply for a loan to support business growth, clear debts, or make large investments.
