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Loan Against Property

A Loan against Property or LAP is a secured loan that is sanctioned against a property (land, house or commercial premises) which is pledged as security. It is an ideal option for people with bad credit scores as it offers large sums of money at a low interest rate.

Eligibility for Loan Against Property

Individuals can avail a loan against property to meet their monetary requirements such as business expansion, child education, home renovation, child wedding and more. This is because it offers a high principal amount, lower rates of interest and convenient repayment tenure.


Unlike personal loans, you can avail a loan against your property only when it’s legal. This is because a lender will not offer this type of loan to anyone who owns an illegal property or a property that has no title or other government approvals.

What documents do I need to apply for a Loan Against Property?

The borrower must submit the following documents while applying for a loan against property: Registration Certificate, Sales Deed, Property Tax Receipts and a valid PAN Card. They must also provide proof of their income and repaying capacity.

Repayment of Loan Against Property

The loan against property is repaid in equal monthly installments or EMIs. During the initial stage, EMIs mostly include interest and are gradually reduced over a period of time. During the later stages, EMIs mostly consist of the principal loan amount.

When you apply for a loan against property, you must consider the market value of your property. This will help you make an informed decision and avoid paying high interest rates.

Loan Against Property Services

Individual LAP

Individual LAP

A loan against property, also known as LAP, is an affordable option that lets you fund your dream...

Non Residential Propery (Commercial)

Non Residential Property (Commercial)

A commercial loan is a type of financing used by businesses. It is secured by property, such as l...

Specialized Property (Hotel And School Other)

Specialized Property (Hotel And School Other)

There are several ways to finance a hotel, including bank loans and private lenders. Some banks a...

NRI Loan

NRI Loan

A home loan in India is a great way for Non-Resident Indians to buy property in their country of ...

LAP Top Up

LAP Top Up

A Loan Against Property Top up is a facility provided by banks and housing finance companies to t...

LAP OD And DOD (Dropline OD)

LAP OD And DOD (Dropline OD)

A Loan Against Property Overdraft is a type of credit given against assets offered as collateral ...


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