Loan Against Property
Raise a larger loan at a lower interest rate against residential, commercial or industrial property you own, with a longer tenure to repay.
Why a loan against property
An unsecured loan is decided on your turnover and bank statements. Offering property as security changes that, and it helps on all three things that matter: how much you get, what it costs, and how long you have to repay.
With your property as security, the loan is based on the property's value, not just your turnover.
Loans backed by property cost less than unsecured loans of the same size, and a longer tenure keeps the EMI low.
Mortgaging your property does not transfer it. It stays in your name, and you keep using it throughout the loan.
Loan against property eligibility
The property is checked first, then your income. These are the things that matter most.
Property type
Residential, commercial or industrial, fully paid for or with a loan still running on it.
Clear title
Clear ownership with no disputes, backed by the sale deed and all previous chain documents.
Repayment capacity
Your last 2 years' ITR and 6 months' bank statements, to show you can pay the EMI.
Existing loan
The current loan statement, if the property is already mortgaged.
Not sure how much your property can get you? We'll work it out.
Share the property's type, location and papers. We'll check it against each lender's criteria and tell you the loan amount you can expect.
Loan against property documents
Property papers take the longest to collect, so it's worth starting there.
Identity
Property
Income
Business
How a loan against property works
On a call or on WhatsApp, with your property papers, ITR and bank statements.
We check your property and income against each lender's criteria and shortlist the best fit.
Forms, follow-ups, and coordination for the lender's property valuation and legal check.
Once the property is cleared and the loan is sanctioned, we go over the terms with you and the money is credited.
Loan against property FAQs
No. The lender registers a mortgage on the property as security. That is a claim against it, not a transfer of ownership. It stays in your name, you can live in it, run your business from it or rent it out, and the mortgage is released once the loan is repaid.
Lenders sanction a percentage of the property's market value, as assessed by the lender's own valuer, not the price you paid or what a property website shows. Your income also has to support the EMI. Share the property details and we will tell you the amount our lending partners can actually offer.
Often yes. Depending on how much of the current loan is still outstanding against the property's value, you may be able to borrow more, either as a top-up or by moving the loan to a new lender. Bring your current sanction letter and loan statement and we will check what is possible.
Residential, commercial and industrial property all qualify. What matters more than the type is the title: ownership needs to be clear, free of disputes and fully documented. Agricultural land is generally not accepted.
Longer than an unsecured loan, and not because of paperwork on your side. Once your documents are in, the lender has to value the property and do a legal check on its title. That step is in the lender's hands and is usually the longest part of the process.
If you can offer property, this route usually gets you a higher amount at a lower rate, with more time to repay. An unsecured business loan is faster and needs no security. We check your profile for both before recommending either, so you compare two real offers instead of guessing.
We are paid a commission by the lender on a completed disbursal. Our fee structure is stated upfront and nothing is deducted without your sign-off first.
Ready when you are
Send us the property details and the amount you need. We'll come back with the right lenders, loan amount and interest rate for you.
Response within one working day.
