Loan Against Property

A loan against property (LAP) is a secured loan where residential or commercial property you own is mortgaged to the lender. It can be used for business or personal needs, subject to lender policy. Because the property is security, it is important to understand the obligations involved.

Common uses

• Business expansion or working capital
• Higher education
• Medical needs
• Debt consolidation
• Other personal or business requirements

Eligibility considerations

Lenders set their own criteria. These are factors lenders commonly consider:

• Clear legal title of the property and required approvals.
• Property valuation and the lender's loan-to-value limits.
• Applicant income and repayment capacity.
• Credit history and existing obligations.

Documentation guidance

The exact list depends on the lender and your profile. Typically requested documents include:

• KYC of all owners / applicants.
• Income proof and bank statements.
• Complete property documents — title deeds, tax receipts, approved plans, as applicable.

Please do not upload or send documents through the enquiry form. Our team will tell you what is needed and how to share it securely.

How we help

• Understand your requirement, repayment capacity and existing obligations.
• Explain what lenders typically look for and how to prepare.
• Help you organise your documents before you apply.
• Keep you informed and answer questions through the process.