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Loan Against Property

LOAN AGAINST PROPERTY -

Unlock the Value of
Your Property

Get a Loan Against Property (LAP) at attractive interest rates and flexible repayment options. Fund your business growth, expansion, education, medical needs or any major life goals with ease.

High Loan Amount

Lower Interest Rates

Flexible Tenure Up to 20 Years

COMPARE LAP OFFERS
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At a Glance

Loan Amount

10 Lakh - 10 Crore*

Interest Rate

Starting from 8.36%*

Tenure

Up to 20 Years

Processing Time

Quick & Hassle-free

*T&C Apply

EXPLORE HOME LOAN OPTIONS

Loan Against Residential Property

Raise funds against your residential property at competitive rates.

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Loan Against Commercial Property

Unlock the value of your commercial property for your business needs.

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Loan Against Under-Contstruction Property

Get funds against your under-construction property.

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Loan for Business Expansion

Invest in new opportunities and grow your business with LAP

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Loan for Personal Needs

Finance education, medical emergencies, weddings and other major expenses.

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WHY CHOOSE DIGIFIIN FOR LOAN AGAINST PROPERTY?

Multiple Lenders, One Platform

Compare offers from top banka, NBFCs & HFCs.

Expert Loan Advisors

Personalized guidance from experienced professionals.

Best Interest Rates

Access competitive rates and exclusive partner offers.

Quick & Easy Process

Simple documentation and faster loan approvels.

Transparent Process

No hidden charges. Complete transparency at every step.

End-to-End Support

From application to disbursement, we are with you.

KEY BENEFITS OF LOAN AGAINST PROPERTY

High Loan Amount

Up to 75% of property. value

Lower Interest Rates

Than personal or business loans

Flexible Tenure

Repayment tenure up to 20 years

Tax Benefits

Interest paid may be eligible for tax benefits

Multiple Usage

Use funds for business, education, travel & more

HOME LOAN ELIGIBILITY SNAPSHOT

Age

21 to 70 Yes

Employment Type

Salaried/Self-Employed/Business

Minimum Income

15,000/Month

Credit Score

700 and above Preferred

Work Experience

1 Year +(Salaried)

Loan to Value (LTV)

Up to 70% of property value

CHECK YOUR ELIGIBILITY →
DOCUMENTS REQUIRED

PAN Card

PAN Card

Latest Salary Slip (3 Months)

Bank Statements (6 Months)

Form 16/IT Returns

Employment Proof

VIEW DETAILED CHECKLIST →
POPULAR CALCULATORS

LAP Bigibility Calculator

EMI Calculator

Balance Transfer Calculator

Stamp Duty Calculator

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TRUSTED LENDING PARTNERS

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OUR SIMPLE 6-STEP HOME LOAN PROCESS

1

Requirement Discussion

Share your needs with our experts.

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2

Eligibility Assessment

We evaluate your profile and eligibility.

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3

Compare & Select Best Offer

Compare offers from multiple lenders.

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4

Documentation

Submit simple and minimal documents.

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5

Loan Approval

Quick approval from the lender.

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6

Disbursement

Funds are disbursed and you get the keys to your dream home!

DOCUMENTS REQUIRED
What is Loan Against Property (LAP)?
Loan Against Property (LAP) is a secured loan where an eligible residential or commercial property is offered as collateral to obtain funds. Depending on the lender and loan terms, the funds can be used for eligible personal or business requirements such as business expansion, education, medical expenses, or other financial needs.
The maximum LAP amount depends on factors such as the market value of the property, your income, repayment capacity, credit profile, existing financial obligations, and the lender’s policies. The lender determines the final eligible amount after evaluating the property and applicant’s financial profile.
LAP interest rates vary from lender to lender and may depend on factors such as credit score, loan amount, tenure, property type, income profile, and prevailing lending rates. The applicable rate is determined by the lender after assessing your application.
Commonly required documents include PAN and KYC documents, address proof, income proof, bank statements, ITRs or business financial statements, and property-related documents such as title deeds and other ownership documents. Additional documents may be required depending on the applicant’s profile and lender.
Yes. Self-employed individuals, professionals, and business owners can apply for a Loan Against Property, subject to the lender’s eligibility criteria. Applicants may need to provide documents such as ITRs, financial statements, GST records, and bank statements to demonstrate income and repayment capacity.
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