Unlock Your Property's
Hidden Power.
Your property is worth lakhs — use it without selling. Get up to ₹15 Crores at lowest rates. Property stays yours, you get the cash. Spend on anything you want.
Big Loan. Low Rate. Your Property.
Up to ₹15 Crores
Highest loan amounts among all personal loan types. Based on your property's market value and your income.
Lowest Interest Rates
Starting from 8.35% p.a. — cheaper than personal loan, business loan, or overdraft. Because your property is the security.
Up to 20 Years Tenure
Longest repayment period keeps your EMI affordable. Choose a tenure that doesn't stretch your monthly budget.
Property Stays Yours
You pledge the papers, not the possession. Continue living in your home or running your business from the property.
No End-Use Restriction
Use the money for anything — business expansion, education, wedding, debt consolidation, medical, or investment.
Balance Transfer
Already have a property loan? Switch to a lower rate and save thousands per month. We handle the entire transfer process.
One Property. Unlimited Possibilities.
Expand Business
New branch, factory
Clear All Debts
Consolidate loans
Buy Another Property
Second home, plot
Children's Education
Abroad studies, MBA
Buy Machinery
Equipment, upgrade
Renovate Home
Repair, remodel
Is My Property Eligible?
Your property must meet basic criteria and you must have sufficient income to repay. Here's what lenders look for.
What Properties Are Accepted?
Residential: Flat, house, villa, independent floor — most common and easiest to get approved. Commercial: Shop, office, godown — higher rates but still available. Plot/Land: Residential plot with approved map — limited lenders but possible. Property must have clear title, no legal disputes, and be in a location approved by the lender.
Who Can Apply?
How It Works
Apply Online
Share your property details and income. We tell you how much you can get within hours.
Property Valuation
Bank sends a valuator. Market value assessed legally — you don't pay for this.
Loan Sanctioned
Based on property value and your income. Letter issued in your name — valid for 6 months.
Money Disbursed
Property papers deposited with bank. Loan amount credited to your account. Done.
Why Get Your LAP Through Us?
Loan against property is a long-term commitment. Even a small rate difference saves lakhs. We make sure you get the absolute best deal.
25+ Banks, One Application
HDFC, SBI, ICICI, Axis, LIC Housing, PNB Housing, Bank of Baroda, Kotak and 18+ more — all from one form.
Highest LTV Ratio
LTV (Loan-to-Value) determines how much you get. We negotiate for highest LTV — up to 75% for residential, 65% for commercial — so you borrow more with less down payment.
Balance Transfer Experts
Paying 11% on an old property loan? We can transfer to 8.5% — saving you ₹5,000-₹15,000 per month. We handle the entire process including NOC from existing bank.
Free for You, Always
No charges from our side — at application, processing, or closure. We earn from the bank. Zero hidden costs, ever.
Your Property Stays Yours
This is the biggest advantage — you don't sell your property. You only deposit the title documents with the bank. You continue to live in it, rent it out, or run your business from it. Once the loan is repaid, documents are returned to you. Your asset grows in value while you use the cash. It's the smartest way to borrow.
Quick Questions
Banks give 50-75% of property market value (called LTV ratio). For a ₹1 Crore property, you can get ₹50-75 Lakhs. Exact LTV depends on property type — residential gets highest, commercial gets lower.
Starting from 8.35% p.a. for residential properties. Commercial properties may be 0.25-0.50% higher. Fixed or floating — we show you both and help you decide.
No. The property must be owned by you or your co-applicant. Rented property cannot be pledged. If you're paying rent and want a loan, consider a personal loan instead.
Yes — if it's from an approved builder with proper approvals and the construction is at least plinth level. Some banks also accept properties in early stages. We'll check your builder's approval status before applying.
Very limited options. Most banks don't fund agricultural land. If the land has residential/commercial zoning and conversion permission, some NBFCs may consider it. Regular farmland is generally not accepted.
No. You only deposit the original title documents. You continue to live in or use the property. The bank only takes possession if you default severely — and even then, it's a legal process, not overnight.
Yes. Most banks allow prepayment after 6-12 EMIs. Some charge 2-4% of the prepaid amount. Floating rate loans usually have no prepayment penalty. We'll check the prepayment terms before you choose.
Yes — and it's recommended. Joint application with spouse increases eligible amount because both incomes are considered. Also, both get tax benefit under Section 80C (principal) and Section 24(b) (interest).
Your Property Is Worth
Much More Than You Think.
Highest loan amount. Lowest interest rate. Property stays yours. No end-use restriction. One application, 25+ banks.