CREDITLINK ADVISORS
Loan Against Property (LAP)
CREDITLINK ADVISORS
Unlock funding by leveraging your residential or commercial property
A loan against property lets individuals and businesses raise funds against an owned residential or commercial property, typically at a lower cost than unsecured finance.
Who it's for: Individuals and business owners who own a residential/commercial property and need a larger loan amount at a comparatively lower rate than unsecured options.
Discuss Your Requirement →
Advisory-led. Institutionally connected.
ELIGIBILITY GUIDANCE
What lenders typically look for
Indian resident aged 21 to 65 years (approximate range; varies by lender).
Stable income source — salaried, self-employed or business income.
Property should meet the lender's valuation and legal-clearance criteria.
DOCUMENTS USUALLY REQUIRED
Keep these ready
KYC (PAN, Aadhaar, address proof).
Property title documents and prior chain of ownership.
Income proof (salary slips/ITR/financial statements).
Bank statements for the last 6 months.
Typical tenure: {{VERIFY}} — typically longer tenures are available given the secured nature of the loan.
OUR APPROACH
Understand. Structure. Connect. Execute.
A disciplined approach designed to simplify your loan against property (lap) journey.
Understand
We start with your objective, financial context and timeline.
Structure
We assess the right lenders and structure your case accordingly.
Connect
We connect you with suitable banks/NBFCs from our partner network.
Execute
We support you through documentation to disbursement.
FREQUENTLY ASKED QUESTIONS
What types of property are accepted?
Most lenders accept self-occupied or rented residential property and, in many cases, commercial property, subject to their valuation and legal-clearance norms.
How much can I borrow against my property?
This is expressed as a loan-to-value ratio set by each lender and depends on the property valuation, location and applicant profile. {{VERIFY}}
Can LAP funds be used for business purposes?
Yes, LAP is commonly used for business expansion, debt consolidation or large personal expenses, subject to the lender's end-use policy.
Is a co-applicant required?
Some lenders require a co-applicant, particularly if the property is jointly owned or to strengthen the income assessment.
What happens if I am unable to repay?
As the loan is secured against your property, continued default can lead to recovery action by the lender as per their loan agreement and applicable law. Please review the terms carefully before borrowing.
How long does property valuation and legal check take?
This depends on the lender's empanelled valuers/lawyers and property documentation readiness. {{VERIFY}}
FINANCIAL ADVISORY | CAPITAL SOLUTIONS | TRANSACTION SUPPORT
Let's discuss your loan against property (lap) requirement.
CreditLink Advisors is a financial advisory and loan facilitation firm, not a lender. Loan approval, rate and terms are decided solely by the partner bank/NBFC. See our Disclaimer.