Leverage your residential or commercial property to access high-value loans at low interest rates, without selling your asset.
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A Loan Against Property (LAP) is a secured loan where you pledge your owned property as collateral to borrow funds. The loan amount sanctioned is a percentage of the property’s market value, usually ranging between 50% and 70% depending on the lender and property type.
The property remains in your name, but the lender holds the right to auction it if you default on repayments.
Loan taken against self-occupied or rented residential houses/flats.
Loan secured against offices, shops, or commercial complexes.
Some lenders also allow loans against industrial premises or warehouses.
A form of LAP where future rental income from a property is pledged to obtain a loan.
1. Age: 25–65 years
2. Employment: Salaried employees or self-employed professionals/business owners
3. Income: Stable monthly income with repayment capacity
4. Credit Score: 700+ preferred for smoother approvals
5. Property Ownership: The property must have clear title and be free from major disputes or legal encumbrances
At Loanslan, we act as your trusted partner in the home loan journey. From comparing interest rates to handling paperwork and ensuring faster approvals, we make the process smooth and stress-free—so you can focus on turning your dream home into a reality.
Select a Loan Type
Quick assessment based on income and credit score
Basic KYC, income, and property papers
Loan amount directly credited or paid to builder/seller
At Loanslan, we make business loans simple, fast, and transparent.
Multiple Loan Options: Compare offers from top banks and NBFCs
Expert Guidance: Choose the right loan type based on your business needs
Quick Processing: Assistance with documentation and eligibility checks for faster approval
Transparent Process: Clear information on interest rates, fees, and repayment terms
Tailored Solutions: Whether you’re a startup, MSME, or established firm, we help you find the best-fit loan
1.Interest Rates: Generally 9% to 12.5% per annum, depending on profile and property type
2.Processing Fee: 1%–2% of the loan amount
3.Legal & Valuation Charges: Fees for property verification and valuation
4.Prepayment/Foreclosure Charges: Usually nil for floating-rate loans, 2%–5% for fixed-rate loans
5.Late Payment Charges: Extra fees for missed EMIs
KYC Documents: Aadhaar, PAN, Passport, or Voter ID
Bank Statements: Last 6 months
Address Proof: Utility bills, rental agreement, or passport
Additional interest or penalties
Most lenders provide 50%–70% of the property’s market value as a loan, depending on the property type, income, and credit profile.
Yes. Banks and NBFCs accept residential, commercial, and sometimes industrial properties as collateral, provided the ownership and legal titles are clear.
The repayment tenure usually ranges between 5 and 20 years, making it easier to manage larger loan amounts with affordable EMIs.
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