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Loan Against property
Unlock the true potential of your property with a Loan Against Property (LAP)—a smart way to secure funds without selling your valuable assets. Whether you need money for business expansion, education, medical emergencies, or personal milestones, a LAP offers a flexible and cost-effective solution.
Why Choose Loan Against Property?
- High Loan Amount: Avail funding based on your property’s market value.
- Lower Interest Rates: Compared to unsecured loans, enjoy competitive interest rates.
- Flexible Tenure: Choose repayment terms that suit your financial needs.
- Multi-Purpose Use: Use the loan amount for personal or professional purposes.
- Retain Ownership: Keep enjoying the benefits of your property while accessing funds.
Loan Against Property Options
Loan Against Residential Property
Pledge your home or apartment as collateral to secure a loan at competitive rates and enjoy long repayment tenures.
Loan Against Commercial Property
Get a loan against your office, shop, warehouse, or commercial space to meet business or personal financial needs.
Loan Against Industrial Property
Business owners can mortgage their factory, manufacturing unit, or industrial property to secure funding for expansion or operational needs.
Lease Rental Discounting (LRD)
Leverage your rental income to get a loan based on future rent receivables, ideal for property owners who want to maximize cash flow.
Overdraft Facility Against Property
Flexible credit line secured against property, allowing you to withdraw funds as needed and pay interest only on the utilized amount.
Top-Up Loan Against Property
Existing LAP borrowers can avail of additional funding without extensive documentation.
How It Works
- Eligibility Check: Confirm your property ownership and income details.
- Property Valuation: Our experts evaluate your property to determine the loan amount.
- Approval & Disbursement: Once approved, receive funds quickly to meet your needs.
Why Choose Us?
- Transparent processes
- Quick approvals
- Tailored solutions to meet your financial goals
Benefits of Loan Against Property
Lower Interest Rates compared to unsecured loans like personal loans or business loans.
Higher Loan Amounts due to secured collateral backing.
Longer Repayment Tenure to ease financial burden and ensure comfortable repayments.
Retain Property Ownership while leveraging its value for funding.
Continued Usage of Property for residential or business purposes even after pledging.
Multiple Uses – The loan can be utilized for education, marriage, business expansion, home renovation, and more.
No Restrictions on Property Type – Loans available against self-occupied, rented, or leased properties
Documents for Salaried Individuals :-
Identity :
- Aadhar card
- Voter’s ID Card
- Driver’s License
- Employer’s Card
Residence :
- Aadhar card
- Ration Card
- Telephone Bill
- Electricity Bill
- Voter’s ID Card
Income :
- Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
- Salary slip for the previous 6 months showing all deductions
- Form 16 for the previous 2 years
- Copies of all the property documents of the concerned property to be pledged for the loan
Self Employed Professionals/Individuals:
Identity :
- Voter’s ID Card
- Aadhar card
- Driver’s License
- Employer’s Card
Residence:
- Ration Card
- Aadhar card
- Telephone Bill
- Electricity Bill
- Voter’s ID Card
Income :
- Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
- Copies of all the property documents of the concerned property to be pledged for the loan
- Certified Financial Statement for the previous 3 years
Get Started Today!
Maximize the potential of your property with LoanLink’s Loan Against Property solutions. Apply now to get quick access to funds at competitive rates and flexible terms.