Loan Against Property (LAP)
Longer tenure, lower EMIs vs unsecured loans—ideal when you need higher ticket sizes.
Highlights
- Residential, commercial, or industrial property accepted (title dependent)
- Balance transfer with top-up options
- Rental income considered in select programs
- Structured for business expansion or high-value personal needs
Who it is for
- Business owners needing long-horizon capital
- Individuals consolidating costly unsecured debt
- Professionals funding large ticket goals
Typical documents
- Property chain of title & approvals
- KYC & income / business financials
- OD/CC statements if refinancing
FAQs
Can co-owner be applicant only?
All owners usually join as co-applicants; exact structure depends on title and lender policy.
Is LAP only for business use?
No—end-use declarations vary; we map you to suitable programs.