Your Property Already
Has the Funds
You're Looking For
Unlock high-value funding by mortgaging your residential, commercial, or industrial property — while you continue to own and use it. Lower rates than unsecured loans, higher amounts, longer tenure.
Residential Property
Self-occupied or rentedCommercial Property
Office, shop, showroomIndustrial Property
Factory, warehouse, plantLand / Plot
Non-agricultural, clear titleHigh-Value Funding, Your Property Stays Yours
A Loan Against Property (LAP) lets you borrow a large sum by mortgaging a residential, commercial, or industrial property you already own — while you retain full ownership and continue using it exactly as before.
Because the loan is secured against real estate, lenders offer meaningfully lower interest rates, higher loan amounts, and longer repayment tenures compared to unsecured borrowing — making LAP one of the most cost-efficient ways to raise large capital.
The funds can be used for absolutely any purpose — business expansion, medical emergencies, children's education, debt consolidation, or working capital — lenders typically don't restrict end-use for LAP.
What You Can Fund With LAP
Most lenders place no restriction on end-use — here are the most common reasons our clients apply.
Business Expansion
Scale operations, open new locations, or invest in growth capital.
Higher Education
Fund a child's education in India or abroad with a lower-cost loan.
Medical Emergencies
Access large sums quickly for unplanned medical treatment costs.
Debt Consolidation
Combine multiple high-interest loans into one lower-rate LAP.
Working Capital
Manage business cash flow with a large, flexible credit line.
Property Renovation
Fund major renovation or construction on another property.
Terms by Property Type
The loan-to-value ratio and interest rate depend on the property category and its usage.
| Property Type | Max LTV | Interest Rate | Max Tenure |
|---|---|---|---|
| Residential (Self-Occupied) | 70% | 9.5% – 12% p.a. | 15 years |
| Residential (Rented Out) | 65% | 10% – 12.5% p.a. | 15 years |
| Commercial Property | 60% | 10.5% – 13.5% p.a. | 12 years |
| Industrial Property | 55% | 11% – 14% p.a. | 10 years |
| Land / Plot (Non-Agricultural) | 50% | 11.5% – 14.5% p.a. | 10 years |
Who Can Apply
Salaried Individuals
- Age between 25 and 65 years (at loan maturity)
- Minimum net monthly income of ₹35,000
- At least 3 years of total work experience
- CIBIL score of 700 or above preferred
- Sole or joint ownership of the mortgaged property
Self-Employed / Business Owners
- Age between 25 and 70 years (at loan maturity)
- Business active for at least 3 years
- Stable annual turnover as per lender norms
- CIBIL score of 700 or above preferred
- ITR filed for the last 3 years
What You'll Need to Apply
The Smartest Way to Unlock Property Value
Lower Interest Rates
Significantly cheaper than unsecured personal or business loans.
High Loan Amounts
Borrow up to ₹10 crore depending on your property's value.
Long Repayment Tenure
Spread repayment over up to 15 years for manageable EMIs.
No End-Use Restriction
Use funds for business, personal, or any legitimate purpose.
Retain Full Ownership
Continue living in or operating from the mortgaged property.
Dedicated Advisor
One advisor manages valuation, legal checks, and disbursal.
From Application to Disbursal
Share Property & Income Details
Tell us about the property you wish to mortgage and your income profile.
Document Submission
Submit KYC, income, and property title documents through your advisor.
Property Valuation & Legal Check
A technical valuer and legal team verify the property's value and title clarity.
Sanction Letter
Receive final loan approval with agreed amount, rate, and tenure.
Mortgage & Disbursal
Property mortgage is registered and the loan amount is credited to your account.
LAP Questions Answered
Ready to unlock your property's value?
Free consultation, transparent valuation, no hidden charges. Our advisors respond within hours.