Why Choose Us for Your Loan Against Property
We make borrowing against your property simple, transparent, and stress-free.
- Competitive Interest Rates : Interest rates starting from 18% p.a. that help you save more over the long run.
- Quick Approvals : Minimal paperwork and processing within 48 hours to get funds when you need them most.
- Dedicated Loan Experts : Personalized guidance from experienced advisors at every step of your journey.
Types of Loan Against Property
Your Loan Against Property can be used for almost any major financial need:
Education Loan
Invest in your or your child’s future by funding the studies without financial stress with our competitive education loan program.
Medical Emergencies Loan
Get immediate financial support when unexpected medical needs arise.
Plot Purchase Loan
Buy the land you’ve been planning to build your dream home on.
Loan for Debt Consolidation
Combine multiple debts into one manageable loan with easier repayments and EMIs.
Marriage Loan
Celebrate your special day without compromising on your dreams.
Work/Visa Permit Loan
You can take the next big step in your global career without financial barriers.
Built-Up Home Purchase Loan
You can move into your ready-to-live dream home with ease.
Business Expansion Loan
You can grow your business and scale operations with the right financial support loan.
Home Renovation Loan
You can upgrade and transform your living space with a flexible renovation loan.
Simple 3-Step Application Process
1
Apply Online
Share your basic details in minutes.
2
Property Evaluation
We assess your property and eligibility.
3
Get Funds
Loan approved and amount credited to your account.
Eligibility Criteria
We make it easy for you to qualify for a Loan Against Property – whether you are salaried or self-employed.
For Self-Employed & Business Owners
- Age : 21 to 65 years at loan maturity
Same flexible age criteria
- Business Vintage : Minimum 3 years
Shows financial stability and continuity
- Annual Income : ₹3 lakhs and above
Reasonable income threshold
- ITR Filing : Last 2 consecutive years
Standard compliance requirement
For Salaried
- Age : 21 to 65 years at loan maturity
Flexible age limits for better approval chances
- Monthly Income : ₹25,000 and above
Affordable income requirement
- Work Experience : Minimum 2 years total, 1 year in current job
Stable career profile preferred
- Credit Score : 650+ preferred
Don’t worry – we guide you on improving your score
Not Sure If You’re Eligible?
Your eligibility also depends on your property value, income stability and repayment capacity. Our experts evaluate your profile and guide you with the best possible options.
Documents Required
Prepare the following documents to ensure a smooth loan application process.
| Category | Documents Needed |
|---|---|
| Identity Proof | Aadhaar, PAN, Passport |
| Address Proof | Utility Bill, Voter ID, Passport |
| Income Proof | ITRs, Salary Slips |
| Bank Statements | Last 6 months |
| Property Documents | Sale deed, title papers, tax receipts |
Our Faq
Frequently Asked Questions
Will I lose ownership of my property?
No. You continue to own and use your property.
Can I use the loan for personal needs?
Yes. LAP can be used for both personal and business purposes.
How much loan can I get?
Up to 50–70% of your property’s market value.
What is the repayment tenure?
Tenure can go up to 15–20 years, depending on eligibility.
What happens if I miss EMIs?
Delayed payments may attract penalties and impact your credit score.
What are the tax benefits available on a Loan Against Property?
Tax benefits on a Loan Against Property depend on how you use the loan amount:
- For home construction, renovation, or extension: You may claim an interest deduction of up to ₹2 lakh per year under Section 24(b).
- For business purposes: The interest paid can be claimed as a business expense under Section 37(1).
- For personal expenses: Tax benefits are generally not available.
Since tax rules vary by individual case, we recommend consulting your tax advisor for accurate guidance.
