Loan Against Property

Unlock the Value of Your Property

High-value mortgage loans against residential and commercial properties with competitive interest rates and flexible repayment options.

Maximize Your Property's Potential

Your property is one of your most valuable assets. With a Loan Against Property (LAP), you can unlock its value without selling it. Whether you need funds for business expansion, education, medical emergencies, or debt consolidation, LAP offers higher loan amounts at lower interest rates compared to unsecured loans. At JPN Finserv, we help you secure the best mortgage deals from leading banks and NBFCs.

Who This Is For

  • Property owners needing large-ticket funding
  • Business owners seeking capital for expansion
  • Professionals funding higher education
  • Families managing medical emergencies
  • Individuals consolidating high-interest debts
  • Property investors leveraging existing assets
  • Salaried employees needing substantial personal loans
  • Self-employed professionals with property assets

Types of Property Accepted

  • Residential Properties: Independent houses, apartments, flats, villas
  • Commercial Properties: Office spaces, retail shops, showrooms
  • Industrial Properties: Factories, warehouses, manufacturing units
  • Under-Construction Properties: Some banks accept under-construction projects
  • Plot/ Land: Non-agricultural land with clear title (selected lenders)
  • Multiple Properties: Pool collateral from different properties

Loan Amount & LTV

  • Residential Property: Up to 60-70% of market value (LTV ratio)
  • Commercial Property: Up to 50-60% of market value
  • Industrial Property: Up to 50-55% of market value
  • Loan Amount Range: ₹10 lakhs to ₹10+ crores
  • Tenure: Up to 15-20 years (varies by lender)
  • Interest Rates: Starting from 9% p.a. (competitive rates)
  • Processing Fee: 0.5% to 2% of loan amount

Eligibility

  • Age: 21-65 years (at loan maturity)
  • Property ownership: Clear title in applicant's name
  • Income: Minimum ₹30,000/month (salaried) or ₹4L/year (self-employed)
  • Employment: Salaried with 2+ years experience or self-employed with 3+ years
  • Credit score: 700+ preferred for best rates
  • Property age: Generally within 30-50 years (varies by lender)
  • Property location: Urban and semi-urban areas preferred
  • Legal compliance: All approvals and NOCs in place

Documents Required

  • KYC Documents: Aadhaar, PAN, Passport size photographs
  • Income Proof: Last 6 months salary slips, Form 16, ITR (2-3 years)
  • Bank Statements: Last 12 months statements showing regular income
  • Property Documents:
    • Title deed and sale deed
    • Approved building plan
    • Property tax receipts
    • Encumbrance certificate
    • NOC from relevant authorities
    • Occupancy certificate (for constructed properties)
  • Business Documents (for self-employed): GST registration, business registration, balance sheets
  • Existing Loans: Loan statements and sanction letters

How We Help

  • Property Valuation: Coordinate with bank-approved valuers for accurate assessment
  • Legal Verification: Ensure all property documents are complete and valid
  • LTV Optimization: Maximize loan amount based on property value
  • Bank Comparison: Compare rates and terms across 25+ lenders
  • Title Clearance: Address any legal issues before application
  • Documentation Support: Compile and organize all required papers
  • Quick Processing: Expedited approval through direct bank relationships
  • Balance Transfer: Help refinance existing LAP for better rates

Calculate Your EMI

Use our interactive calculator to estimate your monthly payments

₹
₹1L ₹10Cr
%
1% 25%
Yrs
1 Yr 30 Yrs
Your Monthly EMI
₹43,391
per month
Principal Amount
₹50L
Total Interest
₹54.14L
Total Payment
₹1.04Cr

Get personalized rates from 25+ banks. Talk to CA CS Nini Agarwal today.

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