Free 15‑min consultation Book now
Profin Asset Management logo
Get Started

Credit Desk

Unlock the Latent Equity of Your Real Estate

Why buy expensive personal or business loans? Unlock the value of your commercial, residential, or industrial property. Secure high-ticket loans at low home loan-like interest rates while retaining full usage of your property.

Apply Now Check EMI
Loan Against Property illustration

Benefits

Why Opt for Loan Against Property (LAP)?

Secure large liquidity lines under favorable rates by utilizing your property value.

Lower Interest Rates

Because LAP is secured against real estate collateral, interest rates are significantly lower than unsecured business or personal loans.

  • Lower EMI burden
  • Structured rate options

Longer Repayment Tenures

Unlike standard unsecured loans capped at 5 years, LAP offers repayment tenures extending up to 15 years.

  • Tenures up to 15 years
  • Matches asset maturity profile

High Value Sourcing

Borrow substantial funds—typically up to 60-70% of the current market value of your property, subject to income validation.

  • High LTV ratios
  • For expansion or debt consolidation

Eligibility Guidelines

Loan sanction limits depend heavily on property market value, property title, and repayment capacity.

  • Age Limits: 21 to 65 years at the time of maturity.
  • Property Status: Clear title residential house, flat, commercial shop, showroom, office building, or select industrial plot.
  • Financials: Salaried individuals with stable jobs, or self-employed professionals/business owners with stable business income history.
  • Usage of Funds: Business scaling, wedding expenses, medical bills, or consolidating other expensive short-term liabilities.

Document Checklist

Please compile these property documents and income statements for processing.

  • KYC Documents: PAN card, Aadhaar card, Passport, or Voter ID.
  • Income Proof: 3 months' salary slips (salaried) or last 3 years' audited business logs (self-employed). Last 6 months' statements of primary bank accounts.
  • Property Registry Deeds: Chain of title documents, sale deeds, parent title records, and approved maps.
  • Taxes: Latest property tax assessment receipts and non-encumbrance certificate copies.

Planner

Loan Against Property EMI Calculator

Estimate your monthly payments, interest cost, and amortization parameters before applying.

Loan Amount ₹1 Crore
Interest Rate 9.5%
Tenure (Years) 15 Years
₹1,04,422
₹87,96,043
₹1,87,96,043

FAQs

Loan Against Property Frequently Asked Questions

Answers to common queries regarding secured mortgage limits.

Yes. Borrowers can pledge self-occupied residential houses, rented apartments, commercial shops, showrooms, office spaces, and industrial plots, provided they carry a clear title deed.
Lenders offer up to 50% to 65% of the market valuation for commercial/industrial properties, and up to 70% to 75% for residential properties. The technical valuation determines the absolute cap.
Yes. The property continues to be in your full possession and usage (or rental receipt). The bank only creates an equitable mortgage on the title deeds, which is returned upon complete loan repayment.