Loan Against Property up to ₹500 Crore | LAP Funding PAN India

Loan Against Property – Unlock High Value Funds Without Selling Your Property

Loan Against Property (LAP) is a secured loan facility that allows individuals, business owners, and corporates to raise substantial funds by mortgaging their residential, commercial, or industrial property. Unlike selling your property, LAP enables you to retain ownership while leveraging its value to meet business expansion, working capital, project investment, debt consolidation, or major personal financial requirements.

We structure Loan Against Property facilities ranging from ₹25 Lakh to ₹500 Crore depending on property valuation, repayment capacity, and financial profile. With competitive interest rates, flexible repayment tenure up to 20 years, and high loan-to-value ratios, LAP becomes one of the most cost-effective ways to raise capital for long-term financial goals.

Why Choose Loan Against Property?

When compared to unsecured loans such as personal loans or short-term business loans, LAP offers significantly lower interest rates due to the security of tangible property. It allows borrowers to access large ticket funding while maintaining manageable EMIs over a longer tenure.

✔ Access High Loan Amount up to ₹500 Crore
✔ Lower Interest Rates Compared to Unsecured Loans
✔ Flexible Repayment Tenure (3 to 20 Years)
✔ Continue Using Your Property While Loan is Active
✔ Top-Up Loan Facility Available
✔ Ideal for Business Expansion & Debt Consolidation

Key Features of Loan Against Property

Feature	Details
Loan Amount	₹25 Lakh to ₹500 Crore
Property Type	Residential, Commercial, Industrial
Loan-to-Value (LTV)	Up to 60-75% of Property Value
Tenure	3 to 20 Years
Interest Structure	Fixed / Floating Options Available
Prepayment Option	Available as per lender norms

Who Can Avail Loan Against Property?

✔ Salaried Individuals
✔ Self-Employed Professionals (CA, Doctor, Architect, etc.)
✔ Business Owners & Proprietors
✔ Partnership Firms & LLPs
✔ Private Limited & Limited Companies
✔ Corporates Seeking Structured Funding

Eligible Uses of Funds

Loan Against Property is multi-purpose financing and can be used for:

✔ Business Expansion & Infrastructure Development
✔ Working Capital Requirements
✔ Machinery & Equipment Purchase
✔ Project Funding
✔ Debt Consolidation / High Interest Loan Closure
✔ Education or Medical Expenses
✔ Commercial Real Estate Investments

Documents Required

✔ KYC Documents (PAN, Aadhaar, Passport)
✔ Property Ownership Documents & Chain Papers
✔ Latest Property Tax Receipts
✔ Approved Building Plan (if applicable)
✔ Income Proof / ITR (Last 2-3 Years)
✔ Bank Statements (Last 6-12 Months)
✔ Company Financials (for firms & corporates)

Step-by-Step Loan Against Property Process

Our structured and transparent process ensures smooth approval and timely disbursal of funds.

Profile Evaluation

Assessment of financials, property value, and repayment capacity.

Legal & Technical Verification

Property valuation and legal document verification by experts.

Sanction & Disbursement

Loan approval followed by quick fund release.

Benefits of Structured LAP for High-Value Borrowers

For corporates and large enterprises seeking funding above ₹5 Crore, ₹50 Crore, or even ₹500 Crore, LAP provides a powerful structured financing solution. Large ticket secured loans offer better negotiation leverage on interest rates, flexible covenants, and optimized debt structuring.

✔ Improved Cash Flow Management
✔ Optimized Debt Structure
✔ Lower EMI Through Extended Tenure
✔ Balance Sheet Strengthening
✔ Opportunity to Avail Top-Up in Future

Frequently Asked Questions (FAQs)

Q1. Will I lose ownership of my property?
No. The property remains under your ownership. It is only mortgaged as security until the loan is fully repaid.

Q2. How is loan eligibility calculated?
Eligibility depends on property valuation, income profile, credit score, and repayment capacity.

Q3. Can I prepay the loan?
Yes, prepayment options are available subject to lender terms and conditions.

Q4. Is high-value corporate LAP possible?
Yes, structured Loan Against Property facilities up to ₹500 Crore are possible subject to eligibility and financial strength.

Loan Against Property is one of the most powerful financial tools available for individuals and businesses seeking substantial capital without selling assets. With proper structuring, competitive rates, and professional coordination, LAP enables long-term financial stability and growth.

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