Unlock the hidden value of your property. Get high-value funds for business expansion or personal needs at lower interest rates.
A Loan Against Property (LAP) is a secured loan where you pledge your residential, commercial, or industrial property as collateral to obtain funds. Since it is a secured loan, lenders offer higher loan amounts and lower interest rates compared to personal loans.
Whether you need funds for business expansion, education, medical emergencies, or debt consolidation, LAP provides a cost-effective solution. You continue to retain ownership of your property while using the funds to meet your financial goals.
Simple criteria to unlock your property’s value.
Common queries about Home Loans & Mortgages.
Your eligibility depends on your monthly income, current age, credit score (CIBIL), and existing liabilities. generally, banks offer a loan amount where the EMI does not exceed 50-60% of your net monthly income.
You can claim deductions under Section 80C (up to ₹1.5 Lakh on principal repayment) and Section 24(b) (up to ₹2 Lakh on interest payment) of the Income Tax Act. Additional benefits may apply for first-time homebuyers under specific schemes.
A Fixed Rate remains constant throughout the loan tenure, providing EMI stability. A Floating Rate changes based on the RBI’s repo rate and market conditions, which means your EMI may increase or decrease over time.
You typically need the Agreement to Sale, Title Deed (Chain of documents), Approved Building Plan, Occupancy Certificate (OC), and property tax receipts. Our team assists in verifying these documents legally.
Yes, this is called a Balance Transfer. If another bank offers a lower interest rate, you can transfer the outstanding balance to them to reduce your EMI burden. We help calculate the savings to see if it’s beneficial.
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