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LAP Specialists — Pan India
Your Property Can Fund Your Biggest Goals — Without You Selling It
Unlock the value in your residential, commercial, or industrial property — including ARC properties — at rates far lower than unsecured loans. We match you to the right lender and handle everything.
Or call us: +91 96070 19050
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Check your eligibility — free
30 seconds. No documents needed yet.
What is this?
Understanding this loan — in plain English
A Loan Against Property (LAP) allows you to borrow a large sum by mortgaging your owned property — residential, commercial, or industrial. You keep ownership and continued use of the property throughout the loan tenure. The lender simply holds a legal charge on it until full repayment.
Because it's secured, LAP offers significantly lower interest rates than personal or business loans. For large, long-term funding needs — business expansion, higher education, medical, debt consolidation, or working capital — LAP is almost always the most cost-effective borrowing option if you own property.
Who Qualifies
Are You Eligible? Check in 30 Seconds.
If you're salaried
- Age 25–65 years at loan maturity
- Minimum net monthly income ₹40,000
- Property in your name (sole or joint ownership)
- Clear title — no existing litigation on property
- CIBIL score 700+ preferred
If you're self-employed
- Age 25–70 years at loan maturity
- Business vintage minimum 3 years
- Consistent ITR for last 3 years
- Property in your name or business name
- CIBIL score 700+ preferred
Not sure if you qualify? WhatsApp us — we'll tell you in 5 minutes.
Why Credit Consultancy
KEY FEATURES
Residential Property
Your home, flat, or plot — mortgaged without giving up possession. Continue living in it while accessing the funds you need.
Commercial Property
Office space, retail shop, or commercial complex — higher loan amounts possible as commercial properties often carry higher valuations.
Industrial Property
Factory, warehouse, godown — we work with lenders who finance industrial properties and understand their specific valuation methodology.
ARC Properties
Properties previously attached to bad loans and held by Asset Reconstruction Companies. Most banks refuse these — we work with specialist NBFCs who accept ARC properties with proper NOCs.
Balance Transfer
Already have a LAP at a higher rate? We transfer to a better lender and reduce your EMI — often without any prepayment penalty navigation required.
Top-Up on Existing LAP
If your existing LAP has been running well, you may be eligible for an additional top-up without fresh property valuation in some cases.
How It Works
5 steps from first call to funded
WhatsApp us
Tell us your requirement, amount and city
Profile review
We assess eligibility and fix issues
Lender match
Right lender identified for your profile
We apply
Clean application submitted correctly
You get funded
We follow up until money hits your account
Why smart borrowers come to us first
Ex-bankers on your side
We know how credit decisions are made — because we used to make them. That knowledge means fewer rejections for you.
Right lender, first time
We match your profile to the lender most likely to approve — before applying. No shotgun approach. No score damage.
Faster than going directly
We know exactly what each lender needs. No back-and-forth. No missing documents. Faster approval from day one.
Pan India — any city
We work with lenders across India. Wherever you are, we find the right lender for your profile and your property.
Zero consultation fee
We earn from the lender when your loan is disbursed. You pay us nothing. Our interests are aligned with yours.
We stay until it's done
We don't disappear after submitting. We follow up daily until the money hits your account. No chasing required.
Documents
What You'll Need to Apply
Don't worry if you don't have everything ready. WhatsApp us first — we'll tell you exactly what applies to your situation.
Property Documents
- ✓ Title deed / Sale deed
- ✓ Chain of title (all previous sale deeds)
- ✓ Encumbrance certificate
- ✓ Approved building plan
- ✓ Property tax receipts
- ✓ For ARC: NOC from ARC, ARC assignment deed
KYC
- ✓ PAN Card
- ✓ Aadhaar Card
- ✓ Address proof
Income (Salaried)
- ✓ Last 3 months salary slips
- ✓ Form 16 (last 2 years)
- ✓ Last 12 months bank statements
Income (Self-Employed)
- ✓ Last 3 years ITR
- ✓ Audited P&L and Balance Sheet
- ✓ Last 12 months bank statements
Not sure what you need?
WhatsApp us — personalised document checklist in minutes, free.
→ WhatsApp us nowFAQ
Questions People Ask Before Applying
Q: What percentage of property value will I get?
Typically 50–70% of the current market value (LTV). For residential properties in metro cities, lenders often go up to 70%. Commercial and industrial properties may attract 55–65%. ARC properties typically 40–60%.
Q: What happens to my property during the loan?
Nothing changes. You continue to live in, use, or rent out the property. The lender holds a registered mortgage charge — which is removed once the loan is fully repaid.
Q: Can I take LAP on a jointly owned property?
Yes — all co-owners must be co-applicants on the loan. The joint income of all co-owners can be considered for eligibility, which often allows a higher loan amount.
Q: What is an ARC property and can it be mortgaged?
ARC (Asset Reconstruction Company) properties are those taken over from defaulted borrowers. Most banks refuse them due to complex legal history. We work with specialist NBFCs who accept ARC properties with proper documentation.
Q: Why choose LAP over a business loan?
LAP gives you significantly lower rates (9–13% vs 14–20% for unsecured business loans), longer tenure (up to 15 years vs 5 years), and higher amounts. If you own property, LAP is almost always cheaper for large requirements.
Q: Do you charge any fees?
No. Zero consultation fees. We earn from the lender only when your loan is disbursed.
Find Out How Much Your Property Can Unlock For You
Tell us about your property — type, approximate value, and your location. We'll tell you exactly how much you can borrow, at what rate, and from which lender — free.
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