Brief Info About Loan Against Property
A loan against property (LAP), or mortgage loan, is a secured loan from a bank or financial institution taken against a property you own. The property—whether residential, commercial, or industrial—is kept as security with the lender until the loan is repaid in full.
One of the major advantages of LAP is that it can provide a higher loan amount at a relatively lower rate of interest compared to many unsecured loans. Typically, lenders offer around 50% to 70% of the market value of the property, and in some cases, based on your firm’s financials and your personal/business credit profile, the sanction can be higher as per eligibility norms. The repayment period is usually flexible, going up to around 15–20 years, and the loan is repaid through Equated Monthly Instalments (EMIs). LAP funds can be used for a wide range of personal or business purposes, except for activities considered high-risk or speculative.
“Property value isn’t the limit—discover how to get LAP beyond its worth?”
CA Naresh bansal (CEO, NKB Kredit Group)
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Why Is LAP Attractive For Business Owners?
Because of the combination of higher loan eligibility, lower interest rates, and longer tenure, LAP becomes a very attractive financing option for entrepreneurs and business owners who have stable financials and own property. It allows them to unlock the value of their property without selling it and use the funds for expansion, working capital, debt consolidation, or other legitimate business needs.
If you want to understand how to get a loan against property, how the mortgage process works, or what documents and eligibility conditions apply, a detailed guide or blog can walk you through all the basics step by step.
Advantage Of LAP (Loan Against Property)
Flexible End Use
Similar to personal loan, loan against property can be utilized to fund personal and business requirements apart from risky pursuits
Lower rates of interest
The interest rates charged on secured loans are less than those on unsecured loans. This reduces the cost of loan against property and makes it a more attractive alternative compared to personal loan
Balance Transfer Facility
Mortgage loans also provide a balance transfer facility, where you can shift your current mortgage loan to some other bank/loan company at a lesser interest rate or improved loan terms.
Increased loan amount
It is secured loan since it is advanced against property and therefore you can easily avail larger loan amount
Simple tenure
Loan against property tenure is typically up to 20 years, providing you with low EMIs and simple repayment.
Part-Prepayment & Foreclosure Flexibility
Mortgage loans also provide a balance transfer facility, where you can shift your current mortgage loan to some other bank/loan company at a lesser interest rate or improved loan terms.
Eligibility For Loan Against Property
To qualify for a loan against property, lenders generally look at factors like:
Ownership of eligible property located in India
Stable, verifiable income from salary or business (meeting the lender’s minimum monthly income criteria)
Age within the lender’s defined range (for example, around 23–65 years)
Satisfactory credit profile and repayment history
Note: Exact eligibility conditions can vary from one bank or NBFC to another.
Documents required for Loan Against Property
When you apply for a loan against property, lenders ask for documents to verify your identity, income, property details, and repayment capacity; exact requirements vary by bank/NBFC and applicant profile. Typical documents include:
Filled application form with passport-size photographs
KYC: identity and address proof (PAN, Aadhaar, passport, voter ID, driving licence, utility bill, rental agreement, bank statement, etc.)
Income proof (salary slips/Form 16/ITR and bank statements for salaried; ITR, financials, and bank statements for self‑employed)
Property documents: title deed, sale deed, tax receipts, and other papers as required by the lender
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Get clarity on your loan against property options in just a few minutes. Share your details or connect with our team to understand eligibility, loan amount, and the best structure for your business.
Our Process
A loan against property (LAP) is a loan taken against mortgaging your residential, commercial, or industrial property as collateral. In India, it’s a wonderful method of fulfilling long-term financial requirements with lower interest rates from 7% per annum. Generally, you can get 50–70% of the value of your property, but depending upon your business background and financials, it may be up to 200% of the property’s value. We assist you in identifying the appropriate lender, looking into alternatives such as MSME schemes, and even linking you with banks, NBFCs, or investors for secured or unsecured loans. From application to delivery—paperwork, approvals, and post-loan assistance—we are with you every step of the way to ensure the process is seamless and hassle-free.
Why Choose Us For Your Loan Against Property Needs
CA-led, Business-Focused Advisory
Your LAP is planned by a Chartered Accountant who understands business cash flows, taxation, and risk, not just loan sales.
Multiple Lenders, Better Deals
Access offers from multiple banks and NBFCs through one advisor to target higher eligibility, better rates, and flexible structures.
Higher Limits, Lower Cost Funding
Unlock higher loan amounts at comparatively lower interest rates using your property, ideal for serious business growth and long-term needs.
Below 3 scenario table depicts the importance of "Right Mix of Debt & Equity"
Scenario 1
100% Capital
100% funds are invested by Business Owners
Annual Return 60%
Total earning is Rs.60 lakhs for owners on the investment of Rs. 1 crore i.e. ROI is 60% p.a.
Scenario 2
50% Capital & 50% Debt @15% p.a.
Rs 50 Lakhs are borrowed @15% p.a. & owners’ capital is also 50 lakhs
Annual Return is 105%
Interest payment will be Rs. 7.50 lakhs on 50 lakhs borrowed funds & Balance profit Rs 52.50 lakhs is for owners i.e. ROI is 105% .
Scenario 3
25% Capital & 75% Debt @15% p.a.
Rs. 75 Lakhs funds borrowed for Business @15% p.a. & remaining 25 lakhs invested by owners in the Business
Annual Return is 195%
Interest payment Rs 11.25 lakhs on Rs.75 lakh borrowed funds & rest profit is Rs 48.75 lakhs for owners on their investment of Rs 25 lakh, which translates into whopping 195% ROI from Business.
What Our Clients Says About Us
Vinay Modi
Proprietor @ Modi Scooter House
Vishal Marwah
Co-Founder@Indelog Solutions (P) Ltd
Pawan Badsiwal
Proprietor@ Satvik Polymers
Abhishek Negi
Chief Operating Officer @ Tagbin Services (P) Ltd
Need A Loan Against Property?
Looking to raise funds for your business by leveraging your residential or commercial property? Share a few basic details in the form or contact us directly, and our team will connect with you to understand your requirements and property profile. Whether you need capital for expansion, working capital support, machinery, or consolidating existing high-cost loans, we help you structure the right LAP solution at competitive rates and flexible tenure.