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Loan Against Property

Raise a larger amount than an unsecured loan, usually at a lower rate, by offering a property you own as security — while you keep living in it or using it.

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Associated with 25 banks & NBFCs · A minimal service fee, agreed before we start

Who it is for

  • Salaried and self-employed owners of a residential or commercial property
  • Businesses that need a larger amount than an unsecured loan allows
  • Borrowers who want a longer tenure to keep the EMI low

What you can use it for

  • Business expansion or working capital
  • Consolidating costlier loans into one EMI
  • Education, a wedding or medical costs
  • Balance transfer of an existing LAP to a lower rate

Options

Residential property

Your house or flat, self-occupied or let out.

Commercial property

A shop, office or other commercial premises.

Balance transfer & top-up

Move an existing loan against property to another lender, often with additional funds.

Documents you will need

The starting list. Your lender may ask for more depending on your profile — we tell you before you collect anything.

  • PAN card
  • Aadhaar
  • Photograph
  • Salary slips (3 months)
  • Bank statement (6 months)
  • Form 16 / ITR
  • Property papers (title chain)
  • Valuation report
  • Encumbrance certificate
  • For self-employed: ITR (2 years) and business proof

How we help

Tell us your need

A quick call about the loan, your income and any existing loans.

We match lenders

We shortlist the banks and NBFCs whose criteria fit your profile.

Documents, sorted

We collect, check and file them — right the first time.

Sanction & disbursal

We follow up with the lender until the loan is paid out.

Loan Against Property — common questions

Read next: Loan Against Property vs Personal Loan: Which Should You Choose?

In your city: Loan Against Property in Delhi NCR

How much can I get against my property?

Lenders lend a percentage of the property's market value, set by their own valuation, and also check that your income can carry the EMI. The percentage varies by lender and by property type; we compare it across lenders for your case.

Why does a loan against property take longer than a personal loan?

Because the lender checks the property as well as you: a legal check of the title documents and a technical valuation. Having the complete property papers ready is what saves the most time.

Can I keep using the property?

Yes. You keep living in it, running your business from it or letting it out. The lender holds a mortgage over it until the loan is repaid.

Need a loan against property?

Leave your number and we will call you — we compare 25 banks & NBFCs for your profile.

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