Loan Against Property – Tax Crafted Solutions

Loan Against Property Services in Delhi

Unlock the hidden value of your property. Get high-value funds for business expansion or personal needs at lower interest rates.

What is Loan Against Property?

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.

Key Features

Our Services

Eligibility & Requirements

Simple criteria to unlock your property’s value.

Property Documents

Online Services

Special Cases

Need Significant Funding?

Leverage your property to get the funds you need. Contact us for the best LAP deals.

Frequently Asked Questions

Key information about Loan Against Property (LAP).

What percentage of my property value can I get as a loan?

Yes, you can apply for a partial withdrawal (advance) from your EPF account for specific reasons such as medical emergencies, marriage, education, or home purchase/renovation, using Form 31.

Can I use the loan amount for any purpose?

Form 19: For final PF settlement (after leaving the job).
Form 10C: For pension withdrawal scheme certificate.
Form 31: For partial withdrawal (advance) while in service.

What types of properties are accepted as collateral?

Typically, online claims are settled within 7 to 20 days. However, in some cases involving discrepancies or manual verification, it might take longer. We assist in tracking and expediting this process.

Is the interest rate lower than a Personal Loan?

Common reasons for rejection include mismatch in Name/DOB between Aadhaar and EPF records, incorrect bank details (IFSC/Account No.), or incomplete KYC. We help identify the error and re-file the claim correctly.

What is the maximum tenure for repayment?

If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H.