Unlock the Value of Your Property
Get a secured loan by pledging your residential or commercial property. Avail large loan amounts, longer tenures, and low interest rates.
What is a Loan Against Property?
A Loan Against Property (LAP) is a secured loan where you pledge your owned residential or commercial property to get access to funds. Whether you need capital for business, education, or emergencies, your property helps you unlock its value without selling it.
Benefits of Taking a Loan Against Property
Competitive interest rates
Higher loan amounts (up to 70% of property value)
Tenures up to 15 years
Continue to use your property while repaying the loan
Quick approval and easy documentation
Option to prepay or foreclose
Who is Eligible?
Salaried Individuals
Working professionals in private or government sectors, with fixed income
Self-Employed Individuals
Business owners, freelancers, consultants, with variable income
Documents Required
Proof of Residence (any one):
Ration Card
Telephone Bill
Electricity Bill
Voter ID Card
Proof of Identity (any one):
Voter ID Card
Employer’s ID Card
Income Proof:
Salary slips for the last 6 months showing deductions
Latest bank statement/passbook showing credited salary for 6 months
Form 16 for the last 2 years
Property Documents:
All original documents related to the property to be pledged
Certified Financial Statements for the last 3 years
Proof of Residence (any one):
Ration Card
Telephone Bill
Electricity Bill
Voter ID Card
Proof of Identity (any one):
Voter ID Card
Employer’s ID Card
Bank Statements:
Last 6 months showing business income credited
Property Documents:
All original documents of the property to be pledged
Why Choose Loan for Bharat?
Zero hidden charges
Fast eligibility checks
Trusted lender partners across India
Personalized assistance from start to finish
How It Works
Know more about the process. Stuck somewhere? Let us help you!
1. Apply Online
Fill in your details in minutes
3. Loan Offer
Receive your best loan options
5. Loan Disbursal
Amount is credited directly to your bank account
2. Property Evaluation
Our team will arrange for a quick valuation
4. Document Collection
We’ll help you gather and submit your paperwork
F.A.Q.
Residential, commercial, or industrial properties—owned and legally clear—can be pledged.
Yes, all co-owners will need to be co-applicants on the loan.
Usually within 4–7 working days after complete documentation.
Yes, the property is mortgaged, but remains in your use during the loan period.
