Loan Against Property
Unlock the Value of Your Property
Most economical way to raise capital with lower interest rates
Longer repayment tenures available
Loan Against Property
Loan Against Property (LAP) – Unlock the Value of Your Property
A Loan Against Property allows you to use your residential, commercial, or industrial property to raise funds for personal or business needs while retaining ownership. It's one of the most economical ways to raise capital due to lower interest rates and longer repayment tenures.
As CAs, we assist in valuation, documentation, income projections, and end-to-end processing with reputed banks/NBFCs.
Use Cases
Documents Required
Pricing
Basic Loan
Minimum Gross Income 3 Lakhs- Must have proper address proof
- PAN Card
- Aadhar Card
Standard Loan
- Minimum Gross Income 5 Lakhs
- Must have proper address proof
- PAN Card
- Aadhar Card
- IT Return
Premium Loan
- Minimum Gross Income above 7 Lakhs
- Must have proper address proof
- PAN Card
- Aadhar Card
- IT Return
*The final interest rate and fees may vary depending on the borrower's creditworthiness and the lender's policies.
Process Overview
Property Valuation & Legal Scrutiny
Property undergoes thorough valuation and legal verification
Income and Eligibility Assessment
We assess your income and determine loan eligibility
Loan Offer & Interest Rate Finalization
Finalize loan offer and interest rate terms
Documentation & Agreement
Complete documentation and sign loan agreement
Disbursal post verification
Loan amount disbursed after final verification
FAQs
Q. What kind of property can be mortgaged?
Residential, commercial, or even industrial property (freehold/leasehold with bank acceptance).
Q. Can I continue to live or use the property?
Yes. Property remains with you. Only lien is created.
Q. Can I transfer my existing LAP to another bank?
Yes. Balance transfer is possible if better rate/terms are available.