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Property-backed finance
Use Property Value Without Selling the Asset.
Loan Against Property advisory for substantial personal, professional and business requirements, subject to income, title, property and lender policy.
01
Residential and commercial property assessment
02
High-value secured borrowing
03
Balance transfer and top-up review
What to know
A clearer way to evaluate loan against property.
What is Loan Against Property?
LAP is secured finance where an acceptable property is offered as collateral. The borrower continues to own and use the property, subject to lender terms.
Suitable uses
Business expansion, working capital, education, medical costs, consolidation and other eligible purposes depending on lender policy.
Eligibility factors
Repayment capacity, credit history, business or employment stability, property type, location, valuation, legal title and existing obligations all matter.
Understanding LTV
The eligible loan is typically a percentage of lender-assessed property value. The percentage varies by property type, use and policy.
Documentation
Expect KYC, income and banking records, business or employment proofs, financial statements where relevant and a complete property document set.
LAP or business loan?
LAP may offer a longer tenure and secured pricing, while an unsecured business loan may move faster and avoids collateral. The right structure depends on purpose and profile.
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