Secured Credit
Unlock The Value
Of Your Property
What it is
A loan against property is credit secured by a residential or commercial property you already own. Because the lender's risk is low, pricing is materially better than unsecured borrowing and tenures run far longer.
How it works
The lender values the property, sanctions a share of that value and registers a charge on it. You retain ownership and occupancy; the charge is released once the loan closes.
Eligible Property Types
Residential
Self-occupied or rented apartments, villas and independent houses.
Commercial Office
Owned office space, whether occupied by you or leased out.
Retail
Shops and showrooms with clear title and approvals.
Industrial
Select warehouses and units, subject to lender appetite.
Indicative Terms
Loan to value
A share of assessed market value, typically lower for commercial than residential.
Tenure
Long tenures available; we recommend the shortest that leaves real headroom.
Rate
Priced well below unsecured credit, varying with profile, property and lender.
Terms above are illustrative: loan-to-value, tenure and rate are set by each lender after valuation and credit assessment.
Documents Required
- • KYC for all applicants and co-owners
- • Last six months of bank statements
- • Salary slips and Form 16, or two to three years of ITR
- • Complete title chain of the property
- • Approved building plan and completion or occupancy certificate
- • Latest property tax receipts and society NOC where applicable
- • Existing loan statements, if the property is mortgaged
- • Lease deed, where the property is rented out
The Process
- 01
Assessment
Purpose, property and serviceability reviewed together.
- 02
Valuation
Lender's technical and legal teams assess the property.
- 03
Sanction
Amount, rate and tenure issued; charge documentation prepared.
- 04
Disbursement
Funds released after mortgage registration is complete.
LAP FAQs
How long does a home loan sanction take?
With complete documentation, most sanctions land within seven to fifteen working days, and disbursement follows legal and technical clearance. Incomplete paperwork is the usual cause of delay, which is why we review your file before any lender does.
How much can I borrow against my property?
Lenders typically fund a share of assessed market value, with the exact loan-to-value depending on property type, location and your income profile. Figures we share are indicative until a lender's valuation is complete.
Can I move an existing loan to a cheaper lender?
Yes — that is a balance transfer. It is worthwhile only when the interest saved over your remaining tenure clearly exceeds switching costs. We model the break-even before recommending it.
Do you help with self-employed or business income profiles?
Frequently. Self-employed files need a stronger narrative around income consistency, and lender appetite varies widely. Matching the profile to the right lender is much of the value we add.
Contact Us Today
- Easy Process
- Quick Disbursal
- Secure & Reliable
- Financial Freedom