LOAN PRODUCT
LOAN AGAINST PROPERTY (LAP)
Unlock the Value of Your Property Without Selling it
LOAN AGAINST PROPERTY (LAP)
Unlock the Value of Your Property Without Selling It
Your residential, commercial, or industrial property can be a valuable financial asset. A Loan Against Property (LAP) allows you to leverage the market value of your property to access funds for personal or business requirements while retaining ownership.
At Infinity Credit Consultants LLP, we help you compare multiple banks and financial institutions to secure competitive interest rates, flexible repayment options, and faster loan approvals—all through a single application.
What is a Loan Against Property?
A Loan Against Property is a secured loan where you pledge your owned property as collateral to obtain funding. Since the loan is backed by property, lenders often offer higher loan amounts and longer repayment tenures compared to unsecured loans, subject to eligibility and lender policies.
Why Choose Our LAP Services?
Whether you need funds for business expansion, education, medical emergencies, or other financial requirements, we help you identify the right lender based on your profile.
- Compare multiple banks with one application
- Competitive interest rates
- Higher loan eligibility
- Flexible repayment tenure
- Quick loan assessment
- Minimal documentation
- Dedicated relationship manager
- End-to-end assistance
Who Can Apply?
Our Loan Against Property solutions are available for:
Salaried Individuals
Employees of Government Departments, PSUs, Private Companies, MNCs, Educational Institutions, and reputed organizations.
Self-Employed Professionals
Doctors, Chartered Accountants, Architects, Lawyers, Consultants, Company Secretaries, and other professionals.
Business Owners
Proprietors, Partnership Firms, LLPs, Private Limited Companies, Manufacturers, Traders, Retailers, and Service Providers.
Non-Resident Indians (Subject to Lender Policy)
Eligible NRIs may apply as per lender guidelines.
Eligible Property Types
Loans may be available against:
- Self-occupied residential property
- Rented residential property
- Commercial shops
- Office spaces
- Commercial buildings
- Industrial properties
- Builder floors
- Independent houses
- Selected mixed-use properties
Acceptance of property depends on lender policies and legal/technical evaluation.
Common Uses of a Loan Against Property
Subject to lender policies, a LAP can be used for:
- Business expansion
- Working capital requirements
- Purchase of business assets
- Debt consolidation
- Medical expenses
- Children’s education
- Wedding expenses
- Home renovation
- Professional practice expansion
- Other legitimate financial requirements
Key Features
- High loan amount based on property value and eligibility
- Attractive interest rates
- Flexible repayment tenure
- Balance Transfer facility
- Top-up Loan options
- Digital application support
- Transparent processing
- Quick loan processing
Documents Generally Required
Identity & Address Proof
- Aadhaar Card
- PAN Card
- Passport / Driving Licence / Voter ID
Income Documents
For Salaried Applicants
- Last 3 Months Salary Slips
- Last 6 Months Bank Statements
- Form 16 / Income Tax Returns
For Self-Employed Applicants
- Income Tax Returns
- Financial Statements
- GST Documents (if applicable)
- Business Proof
- Bank Statements
Property Documents
- Sale Deed / Conveyance Deed
- Chain of Title Documents
- Approved Building Plan
- Property Tax Receipt
- Occupancy/Completion Certificate (where applicable)
- Latest Property Papers
- Other documents required by the lender
Our Loan Process
Why Compare Multiple Banks?
Every lender follows different policies regarding:
- Property valuation
- Eligible property types
- Loan-to-Value (LTV)
- Applicant income
- Credit score
- Existing liabilities
- Business vintage
- Documentation
- Interest rates
Comparing multiple lenders helps improve your chances of securing the most suitable loan with competitive terms.
Frequently Asked Questions
How much loan can I get against my property?
The loan amount depends on factors such as the property’s market value, your income, repayment capacity, credit profile, and the lender’s Loan-to-Value (LTV) policy.
Can I continue using my property after taking the loan?
Yes. You retain possession and can continue using your property while repaying the loan, provided you comply with the loan terms.
Can I get a Loan Against a rented property?
Yes. Many lenders consider self-occupied as well as income-generating rented properties, subject to their eligibility criteria.
Can I transfer my existing Loan Against Property?
Yes. If eligible, you may transfer your existing LAP to another lender and, in some cases, also avail a Top-up Loan.
Can business owners apply?
Yes. Salaried individuals, professionals, business owners, and eligible NRIs can apply, subject to lender policies.
Why Choose Infinity Credit Consultants LLP?
A Loan Against Property is one of the most effective ways to access substantial funding while retaining ownership of your property. Our experienced loan specialists help you compare multiple lenders, understand eligibility, complete documentation, and secure the most suitable financing solution. From application to disbursement, we provide transparent guidance and dedicated support at every stage of your loan journey.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.