Loan Against Property — Unlock Your Property's Hidden Value
Get the liquidity you need while retaining ownership. Leveraging your residential or commercial real estate for low-interest, long-term capital.
Max Loan on Your Property
Estimate your borrowing capacity based on the market value of your property and your profile.
Up to 70% of your property's market value can be sanctioned as a loan.
Versatile Capital for Every Need
LAP funds come with zero end-use restrictions, allowing you to fuel growth, handle emergencies, or consolidate debt.
Business Expansion
Scale your operations, purchase inventory, or upgrade machinery with high-ticket funding that traditional business loans might not offer.
Overseas Education
Fund global dreams without the stress of high-interest education loans.
Medical Needs
Instant liquidity for critical health care requirements.
Debt Consolidation
Consolidate high-interest debts into one low EMI.
Accepted Property Types
We accept a wide range of properties to ensure you get the maximum value from your investments. Our valuation process is transparent and market-driven.
Residential Properties
Self-occupied or rented houses, flats, and bungalows.
Commercial Properties
Offices, shops, and commercial buildings.
Industrial Land
Approved industrial plots and factory sheds.
LAP vs. Home Loan: Making the Right Choice
While both utilize property, the fundamental purpose and benefits differ significantly.
| Feature | Loan Against Property (LAP) | Standard Home Loan |
|---|---|---|
| Primary Purpose | Any Personal or Business Use | Buying or Constructing a Home |
| Interest Rates | Slightly higher than Home Loans | Lowest available market rates |
| Max Tenure | Up to 15 Years | Up to 30 Years |
| Loan-to-Value (LTV) | Up to 70% of Market Value | Up to 80-90% of Agreement Value |
| Tax Benefits | Depends on end-use (Business) | Significant benefits under Sec 24 & 80C |