Unlock the Hidden Value of Your Real Estate Assets
Loan Against Property (LAP) is a secured loan that enables property owners to raise substantial capital by mortgaging residential, commercial, or industrial property while retaining ownership and usage. Dwarikadhish assists in securing high LTV offers from partner Banks and NBFCs.
Key Benefits of Loan Against Property (LAP)
Substantially Lower Interest Rates
Secured nature of property collateral ensures lower interest rates than personal loans.
High Quantum of Capital
Borrow up to ₹5 Crores+ depending on property valuation and income capacity.
Extended Tenures Up to 15-20 Years
Keep monthly installment payments manageable over a longer timeframe.
Multipurpose End Use
Use funds for business expansion, child education, debt consolidation, or medical needs.
Suitable Applicant Profiles
- Property owners holding clear-titled residential houses, commercial shops, or plots
- Business owners seeking substantial long-term working capital at low interest
- Borrowers wanting to consolidate multiple high-interest unsecured debts into one EMI
- Salaried or self-employed applicants needing major capital deployment
Eligibility Evaluation Criteria
| Eligibility Parameter | Standard Lender Requirement |
|---|---|
| Property Type | Fully constructed residential, commercial, or industrial property with clear title |
| LTV Ratio | Up to 60% - 75% of property market value based on valuation |
| Age Limit | 21 to 65 years at loan maturity |
| CIBIL Score | 650+ preferred for prime partner bank interest rates |
* Note: Specific parameters may vary based on chosen partner Bank or NBFC internal policies.
Required Documentation Checklist
KYC & Identity
- Aadhaar Card
- PAN Card
- Passport / Voter ID
Property Ownership Documents
- Complete Chain Title Deeds
- Approved Sanctioned Plan
- Latest Property Tax Receipt & Electricity Bill
Income Proofs
- Last 3 years ITR with Financials (Self-Employed)
- 6 Months Salary Slips & Form 16 (Salaried)
- 12 Months Bank Account Statements
Encumbrance Certificate
- EC showing clear unencumbered title (or existing loan statement for BT)
Frequently Asked Questions (Loan Against Property (LAP))
Do I retain ownership of my property during the LAP tenure?
Yes! You retain full ownership and usage of the property while the bank holds equitable mortgage title documents.
What property types are eligible for LAP?
Residential houses/flats, commercial offices/shops, and industrial land with clear marketable titles are accepted by partner banks.
Does Dwarikadhish charge any upfront fees for LAP?
No. Our DSA consultancy services are 100% free with zero upfront charges.
Ready to Apply for Loan Against Property (LAP)?
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