Your Property, Your Power.

"A Loan Against Property (LAP) allows you to leverage the market value of your residential or commercial property to secure substantial funding at favorable terms. Unlike selling your asset, you retain ownership while accessing large amounts of capital for significant expenses or investments. It's smart financing for those who need substantial funds without disrupting their asset portfolio."

Eligible Properties

We Accept:

• Residential Properties:

  • Self-occupied flats, apartments

  • Independent houses, villas

  • Rented residential properties

  • Residential plots (with construction plan)

• Commercial Properties:

  • Office spaces, shops

  • Warehouses, industrial sheds

  • Commercial complexes

  • Retail outlets

Property Requirements:

• Location: Within municipal limits of recognized cities/towns

• Age: Preferably less than 30 years

• Title: Clear, marketable title with no disputes

• Encumbrances: No existing mortgage (or consent from existing lender)

• Approvals: All necessary building/planning approvals

• Occupancy: Self-occupied, rented, or vacant

Eligibility Criteria

For Individuals:

• Age: 21-70 years (at loan maturity)

• Income: Minimum ₹75,000/month (salaried) or ₹10 Lakhs/year (self-employed)

• Employment:

  • Salaried: 3 years total, 1 year current

  • Self-employed: 5 years in business, 3 years profit

• Property Ownership: Minimum 3 years (preferred)

• Credit Score: 700+ preferred

For Companies/Partnerships:

• Business Vintage: Minimum 5 years

• Profitability: Last 3 years profitable

• Property Ownership: In name of business or partners

• Financials: Audited financial statements

Co-applicants Allowed:

• Spouse

• Children (parents as co-applicants)

• Business partners

• Family members with property share

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