Loan Against Property (LAP) is a type of secured loan where you use your property as collateral to borrow money. If you own a house, shop, office, or land, you can pledge it to a bank or NBFC and get a loan in return.
Please provide your credentials for a confidential assessment.
Understand the complete eligibility structure for salaried professionals, self-employed individuals, and business applicants.
Loan Against Property (LAP) helps you meet personal and business financial needs by unlocking the value of your property. You can avail up to 60% of the property value with flexible tenure options.
Eligibility depends on multiple factors such as age, income stability, work experience, and CIBIL score.
Loan tenure is based on your age. If you are close to 60 or above, approval chances reduce significantly.
Past loan rejections are recorded in your credit profile and can negatively impact new applications.
Incomplete or disputed property documents can lead to direct rejection. Ensure proper title deed and approvals.
Even if property is pledged, lenders require a stable and regular income source.
A score below 750 reduces approval chances. Lenders evaluate repayment behavior, credit usage, and existing loans.
Keep the following documents ready for faster approval and smooth verification. Select your applicant type and check the complete checklist.
Instantly estimate your monthly EMI, total interest payable, and total repayment amount for your Loan Against Property application.
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