A mortgage loan enables you to invest in your own property, offering stability and potential appreciation over time. With favorable interest rates and customizable repayment plans, it’s a strategic financial move, providing both a home and a long-term asset.
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Explore the diverse financial solutions tailored to your needs with different types of Loan Against Property (LAP) options.
Specifically secured against a residential property, such as a house or apartment.
Secured against commercial properties, including shops, offices, or industrial units.
A loan against a residential plot allows you to use your land as collateral for financing, with the loan amount determined by the plot’s appraised value.
Additional funding provided on an existing LAP, allowing borrowers to enhance their loan amount without availing a new loan.
A mortgage loan is a secured loan and is approved more quickly. Mortgage loan interest rates are lower than other loans.
Discover the financial possibilities by understanding the straightforward eligibility criteria for Loan Against Property (LAP) – your key to accessing substantial funds using your property as collateral.
Minimum : 21 years to Maximum : 70 years at loan maturity
The Minimum Net Monthly Income More than 60k
CIBIL score must be more than 675
Now apply for a Mortgage Loan online, All you need to do is provide your details below application form.
Unlock the potential of your property and make informed financial decisions by exploring our Loan Against Property (LAP) FAQ
A Loan Against Property is a secured loan where a property, typically residential or commercial, is mortgaged to obtain a loan. Any Indian citizen, including salaried individuals, self-employed professionals, and business owners, meeting the financial eligibility criteria, can apply for a mortgage loan.
Properties such as a Commercial property, Residential Property Or a Residential Plot can also be used as a collateral for Loan against property.
The loan amount is generally a percentage of the property’s appraised value, which can be around 50% to 75% considering factors like property type, market value, income and credit score.
The rate of interest can be around 9.50% to 18%, while the tenure can be upto a maximum of 15 years.
The basic eligibility is minimum 21 years and the Cibil score should be more than 675.
Yes, a cibil is needed and it should be more than 675 to apply for a mortgage loan.
Since LAP applications need property verification its turn around time will be around 10 to 12 days.
Yes, in the context of loans against property (LAP), it’s possible to do a balance transfer or opt for a top-up loan.
In case of LAP, mandatory documents will be the kyc documents of applicant and co-applicant along with their job/business documents with the documents of the collateral property.