Loan Against Property Assistance Services
Leverage your property for financial growth. Secure high-value, low-interest funding by unlocking the dead capital hidden in your residential or commercial real estate.
Evaluate Your PropertyLeverage Your Property for Financial Growth
A Loan Against Property (LAP) is one of the smartest ways to access massive capital at incredibly competitive interest rates.
Instead of letting your real estate sit idle, LAP allows individuals and businesses to pledge their self-occupied or rented properties to secure funds. Because this is a secured loan, banks are willing to offer longer tenures and larger sanction amounts compared to unsecured business or personal loans. Sahyog Tax & Advisory helps you navigate bank valuations, legal title clearances, and secures the highest possible Loan-to-Value (LTV) for your asset.
Speak to a Finance ExpertLTV Assessment Limits
Properties Accepted as Collateral
Banks accept a wide variety of properties, provided the legal titles are clear and the construction is approved.
Common Uses for LAP Funds
Business Expansion
Inject massive capital into your existing business to open new branches, purchase inventory in bulk, or heavily scale your marketing operations.
Education Funding
Secure higher loan amounts at cheaper rates than standard education loans to fund your child's overseas university tuition and living expenses.
Debt Consolidation
Wipe out multiple high-interest personal loans and credit card debts by combining them into one single, manageable LAP EMI at a much lower interest rate.
Medical Emergencies
Gain access to rapid liquidity when you need it most. LAP provides a substantial safety net for expensive, unplanned medical treatments or surgeries.
Working Capital (Overdraft)
Set up an Overdraft (OD) limit against your property. You only pay interest on the exact amount of funds you use, making it perfect for cash flow management.
Need Funds Quickly?
Check LAP EligibilityBenefits of a Loan Against Property
Higher Loan Amounts
Because the loan is secured by real estate, banks are willing to sanction significantly higher amounts (often in crores) than unsecured loans.
Competitive Interest Rates
The presence of physical collateral drastically reduces the bank's risk, which directly translates into much cheaper interest rates for you.
Flexible End Usage
Unlike a home loan which must be used to buy a house, the funds acquired from a LAP can be used for absolutely any legitimate personal or business need.
Longer Repayment Tenure
Spread your EMI burden over a relaxed 10 to 15-year period, keeping your monthly cash flow completely undisturbed.
Mortgage Process
Financial Assessment
Evaluating your CIBIL score, ITRs, and banking to determine loan eligibility.
Property Valuation
An empaneled engineer visits your property to establish its market LTV.
Legal Title Check
Bank lawyers scrutinize your property deeds to ensure an unencumbered title.
Loan Sanction
The bank officially approves your loan amount and interest rate terms.
Mortgage & Disbursal
You submit original property documents to the bank and funds are released.
Documents Required
Property Documents
- Original Title Deeds (Sale Deed / Conveyance)
- Chain of previous agreements (if applicable)
- Approved Building Plan & Completion Certificate
- Latest Property Tax Receipts
- NOC from Housing Society (if applicable)
Financial Documents
- PAN and Aadhaar of all property owners
- Last 3 years ITR with Computation of Income
- Audited Balance Sheet (for businesses)
- Last 6-12 months Bank Account Statements
Frequently Asked Questions
What is the maximum tenure for a Loan Against Property?
While standard business loans cap out at 3 to 5 years, a Loan Against Property (LAP) usually offers a repayment tenure ranging from 10 to 15 years, significantly reducing your monthly EMI burden.
Can I get a loan on a rented property?
Yes. Banks accept self-occupied residential, self-occupied commercial, and rented properties. In fact, if the property is rented, the rental income can be factored in to increase your total loan eligibility.
What happens to my original property documents?
Since this is a secured mortgage, the bank will retain the original physical title deeds of your property in a secure fire-proof vault until the entire loan principal and interest are successfully repaid.
Unlock Your Property's Value
Discover massive financing opportunities through your property assets. Let our experts negotiate the best LAP rates for you.
Evaluate My PropertyFree Initial Assessment