Home Loan
Loans to buy a flat or house, build on your own land, or renovate or extend your home, through our partner banks and housing finance companies.
Loans
A larger loan against your house, flat or commercial property, for business or personal needs, through our partner banks and NBFCs.
- Loans
- Usually a few weeks after a complete file*
About Loan Against Property
A loan against property (LAP) lets you raise a larger amount by mortgaging a house, flat or commercial property you own, while you continue to use it. It is commonly used for business expansion, working capital, education, a wedding or medical needs.
We check your eligibility, organise your income and property papers, compare offers from our partner banks and NBFCs, and follow up through valuation and legal checks until the lender decides.
Loans against property are subject to the lender's approval, valuation and legal checks. If the loan is not repaid, the lender may act against the property as per the agreement.
EMI Calculator
Estimate only. The actual rate, EMI and eligibility are decided by the lender.
Who Needs This Service
- Business owners who need a large amount for expansion
- Self-employed professionals with property in their name
- Salaried people who need funds for education or a wedding
- Owners of residential or commercial property with clear title
- Borrowers who want to replace costlier loans with one EMI
Key Benefits
Larger amount
Usually a higher amount than unsecured loans, based on property value.
Keep using your property
You continue to live in or run your business from the property.
Longer tenure
Longer repayment periods than most personal or business loans.
Papers organised
We tell you which property documents are needed and check them with you.
Eligibility and Applicability
- Residential or commercial property in your name with clear title
- Income proof showing repayment ability
- A credit score the lender finds acceptable
- Property approved by the lender after valuation and legal check
The loan is a share of the property's value as assessed by the lender. Co-owners usually need to join as co-borrowers.
Documents Commonly Required
KYC and income
- PAN and Aadhaar of all owners
- Salary slips or ITR with financials
- Bank statements for recent months
Property
- Title deed and chain of ownership
- Approved building plan
- Mutation and property tax receipts
- Encumbrance details, if available
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Share property and need
Tell us about the property and the amount you need.
Eligibility check
We assess your income, credit score and the likely property value.
Compare and apply
We compare offers and submit your file to the lender.
Valuation and legal check
The lender values the property and verifies its title.
Mortgage and disbursal
The mortgage is created and the loan is disbursed as per the lender's terms.
Estimated Timeline and Fees
Estimated timeline
Usually a few weeks after a complete file
Valuation, legal checks and the property's paperwork affect the timeline.
Our service fee
Our service fee, if any, is told to you in writing before we begin.
Lender / third-party charges
Processing fee, valuation, legal fees, stamp duty and mortgage charges are set by the lender and the state.
* Approval, amount, interest rate and tenure are decided by the lender after valuation and legal checks.
Common Mistakes to Avoid
- Borrowing against your only home for a risky purpose
- Not checking that the title and mutation are in order
- Ignoring valuation, legal and stamp duty costs
- Missing EMIs, which puts the property at risk
Frequently Asked Questions
How much can I get against my property?
A share of the property's value as assessed by the lender, also limited by your income and repayment ability.
Can I use a shop or office as security?
Yes. Many lenders accept commercial property, subject to valuation and title checks.
Can I keep living in the property?
Yes. The property is mortgaged, but you continue to use it while you repay.
What if the property is jointly owned?
All co-owners usually need to join the loan as co-borrowers or give consent.
Related Services
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Business Loan
Loans for traders, shop owners, manufacturers and service businesses to grow or run the business, through our partner banks and NBFCs.
Personal, Business, Home and Vehicle Loans
Help choosing and applying for personal, business, home, property, vehicle and education loans through our partner banks and NBFCs.
Talk to Our Team
Have a Question About Loan Against Property?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
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