Loan Against Property

Loan Against Property - Credinity | Low Interest & High Value
Verified & Trusted Financial Partner • 500+ Successful Disbursals
Secure & Verified

Unlock the Hidden Value of Your Property

Don't let your property sit idle. Get a high-value loan up to ₹5 Crores against your Residential or Commercial property at interest rates lower than a personal loan.

9.25%

Starting ROI p.a.*

15 Yrs

Max Tenure

75%

LTV Value

Modern House Key

Why Credinity for LAP?

We offer the most transparent terms in the market.

💰

Lower Interest Rates

Since this is a secured loan, we offer rates 3-5% cheaper than personal loans.

📈

High Loan Amount

Get up to 70-75% of your property's current market value as a loan.

🔄

Easy Balance Transfer

Already have a loan? Transfer to us for lower EMI and get Top-Up funds.

Properties We Accept

Residential

Flats, Villas, Floors

Commercial

Shops, Offices, Showrooms

Industrial

Small Factories, Warehouses

Plots

Residential Plots (Boundary wall)

Eligibility & Documents

Criteria Salaried Self-Employed / Business
Age Limit 23 to 60 Years 25 to 65 Years
Income Proof Latest 3 Months Salary Slips ITR (2 Years) + Computation
Bank Statement Last 6 Months Last 12 Months
Property Docs Copy of Property Papers + Chain Deeds + Latest Tax Receipt

Frequently Asked Questions

Can I continue to use the property after taking a loan?
Yes, absolutely. You remain the owner and occupant of the property. The papers are simply mortgaged with the bank as security.
How is Loan Against Property better than Personal Loan?
LAP offers much lower interest rates (starts ~9.25% vs ~11% for Personal Loan), longer repayment tenure (15 yrs vs 5 yrs), and higher loan amounts.
Do you accept properties without a map/plan approval?
It depends on the location and municipality rules. In many cases, we can fund properties with deviations. Please apply to check specific eligibility.

Unlock Your Property's Potential Today

Loan Against Property - Credinity | Trusted Mortgage Loans
Verified & Secure

Unlock the True Value of Your Property

Mortgage your Residential or Commercial property to get funds up to ₹5 Crores. Lowest interest rates guaranteed.

9.25%

Starting Rate*

15 Yrs

Max Tenure

75%

LTV Ratio
Loan Against Property

Why Smart People Choose LAP?

Comparing Loan Against Property vs. Personal Loan

Feature Loan Against Property (Winner) Personal Loan
Interest Rate Starts @ 9.25% p.a. Starts @ 11.50% p.a.
Loan Amount Up to ₹5 Crores (High) Up to ₹25 Lakhs (Limited)
Tenure Up to 15 Years Up to 5 Years
EMI Burden Lower (Affordable) Higher

Properties We Accept

🏠

Residential

Self-occupied or Rented Houses, Flats, Floors.

🏢

Commercial

Shops, Offices, Showrooms, Warehouses.

🏗️

Industrial

Factories and Industrial Plots within limits.

Common Questions

Will the property be transferred to the bank?
No. You remain the owner and continue to use the property. Only the original title deeds are kept with the bank as security until the loan is repaid.
Can I get a loan on a property without a map?
Yes, select lenders offer loans on properties without approved maps, depending on the location and deviations. Apply to check eligibility.
What is the maximum loan amount?
You can typically get up to 70-75% of the current market value of your property, subject to your income eligibility.
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