Loan Against Property

🏡 Loan Against Property – Unlock the Hidden Value of Your Property

Your property is more than just an investment; it is a powerful financial tool. Whether you are looking to expand your business, fund your child’s international education, or manage high-value medical expenses, our Loan Against Property (LAP) allows you to leverage your residential or commercial real estate to access large-scale funding at attractive interest rates.

With Yonti Finserv’s Loan Against Property (LAP), you can easily get a secured loan by pledging your residential or commercial property — and enjoy low interest rates with flexible repayment options.

Why Choose Loan Against Property?

A Loan Against Property is often a smarter alternative to a Personal Loan due to its secured nature

  • Lower Interest Rates: Since the loan is secured by collateral, the interest rates are significantly lower than unsecured personal or business loans.

  • Higher Loan Quantums: Access up to 70% to 80% of the current market value of your property.

  • Flexible End-Use: Unlike a Home Loan, there are no restrictions. Use the funds for business expansion, debt consolidation, or personal milestones.

  • Longer Repayment Tenures: Enjoy the comfort of extended tenures up to 15–20 years, resulting in lower monthly EMIs.

Collateral Types We Accept

We offer financing against a wide range of property types:

  • Residential Property: Self-occupied houses, rented apartments, or vacant bungalows.

  • Commercial Property: Office spaces, retail shops, and warehouses.

  • Industrial Property: Factory land or manufacturing units (subject to evaluation).

Comparison: LAP vs. Personal Loan

FeatureLoan Against Property (LAP)Personal Loan
Interest RateLower (Secured)Higher (Unsecured)
Loan AmountHigh (In Crores/Millions)Limited (In Lakhs/Thousands)
TenureUp to 15–20 YearsUp to 5 Years
Processing Time7–10 Days (Due to legal checks)24–48 Hours

The Application Journey

Our process is transparent and ensures the legal safety of your property documents.

  1. Application & Documentation: Submit your KYC and property ownership papers.

  2. Property Valuation: Our empanelled experts conduct a technical and legal evaluation of your asset.

  3. Loan Sanction: Based on the property value and your repayment capacity, we provide a formal offer.

  4. Disbursement: Following the legal vetting of the original documents, funds are credited to your account.

Eligibility Criteria

  • Individuals: Salaried professionals and self-employed individuals/business owners.

  • Age: 21 to 65 years.

  • Income: Stable income with a healthy Debt-to-Income ratio.

  • Property Status: The property must be free from legal encumbrances and have a clear title.

"Your property worked hard for you yesterday. Let it work for you today."

đź’ˇ Why Choose Yonti Finserv:

At Yonti Finserv, we value your property and your trust.
Our Loan Against Property helps you get high-value funding without selling your asset.

Whether it’s for business expansion, debt consolidation, or personal needs, we offer customized loan solutions with complete transparency and professional support.

📲 How to Apply:​

  1. Fill out our online loan form
  2. Upload KYC and property documents
  3. Get instant approval and quick disbursal
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