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Loan Against Property

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Loan Against Property


Loan against property (LAP) is very good product for those people who have a property and they are in business/profession and need money to expand their business or profession so they can avail loan by mortgage their existing property. LAP can be arrange in OD/CC form or can avail full disbursement depend upon bank to bank,. LAP can avail for 20 year tenure. LAP terms and condition can differ from bank to bank.


Mandatory Documents

ID Proof

Self attested copy of Voter ID/Passport/Driver License (Any One)

Income Proof.

Income Tax Return from last 2 year Balance sheet and P&L

6 Month Bank Statement

Property Documents

Photograph of Promoter

Procedure of Incorporation

Compilation of Documents
Appraisal of Documents
Processing With Bankers
Legal/ Valuation process
Sanction and Disbursal of Loan

Any loan against property (residential or commercial) can be used for personal and business purposes except speculative or non-prohibitive activities.

The bank basically looks your repayment capacity. For calculating the loan amount bank consider generally following criteria. 1. Existing Income and its nature 2. Age, 3. Qualifications, 4. Number of Dependants, 5. Spouse’s Income, 6. Existing Assets and Liabilities, 7. Stability and Continuity of Occupation 8. Credit History

You can repay the loan in EMIs. Repayment by way of EMI commences from the month following the month in which you get full disbursement.

Loans against property (LAP) can avail maximum tenure of 15 years, subject it should not exceed your retirement age. however this condition can be flexible in certain cases and also depend on bank to bank.

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I am absolutely delighted with their service. It is really refreshing to work with as business and financial adviser who is truly interested in their client's needs, circumstances and preferences. Team is much accountable to deliver their services on timely manner. Their professional, ethical and caring demeanor elicits my trust and I gladly recommend their services whenever possible.

Anamika Dikshit

MD- YRSK Marketing & Branding Solutions Pvt Ltd.