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Individual LAP

Individual LAP

A loan against property, also known as LAP, is an affordable option that lets you fund your dreams and goals. It can help you pay for your wedding, travel, education, emergency medical treatment and other big-ticket expenses.

Lower Interest Rates: Since these loans are secured against your property, lenders offer them at lower rates of interest compared to other loans. This translates to lower EMIs and helps you save money in the long run.

Higher Loan Amount: The loan amount can be up to 70% of your property’s prevailing market value. This is beneficial if you need to meet your financial goals quickly.

Longer Tenure: A loan against property can be repaid over a longer period compared to personal loans. This is because the EMIs are spread over multiple years.

The lender will evaluate your repayment capacity by checking your income statements, ongoing loan history and other documents. This enables the bank to provide you with a loan amount that is in line with your repaying ability.


To be eligible for a loan against property, you should be a citizen of India and have a steady job or business. You should also have a credit score of 700 and above to maximize your chances of getting a loan at competitive rates.

In addition to these criteria, you should also be able to demonstrate your ability to repay the loan on time. This includes a good repayment track record and an appraised value for your property.

Loan Against Property Services


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Who sells unlisted equity shares?

Existing shareholders of the unlisted company can sell unlisted equity shares. These can include Employees, Ex-employees, CEO, Promoters, Private Equity investors, and more.