RBI-registered NBFC · N-13.02216
Get instant approval on LAP up to ₹50 lakh* — apply online, quick verification, flexible repayment, and transparent charges
Competitive Interest Rate: Starting from 15% P.A.*
Transparent Charges: Communicated upfront with borrower
Quick Disbursal: 24-72 hrs after approval with condition
01LAP Loan
Your trusted partner for secured loans with flexibility, transparency, and doorstep service
Loan amount, rate, tenure, and EMIs tailored to your income profile and property value
e‑KYC and digital agreements and doorstep document collection
Field officers for property checks, doorstep document pickup with nearest branch support
29+ lending partners; compare offers and choose the right LAP loan for your needs
Get additional loans based on your repayment track record and eligibility
Loan disbursement process made simple, transparent, and fast to meet your needs
EMI, interest‑only with bullet principal, or tranche repayments. Pay via NACH / e‑NACH / payment gateway or bank transfer
02Benefits
Turn your property into opportunity with bigger loans, longer tenures, and flexible use
Borrow 50% to 70% of property value, with ticket sizes up to ₹50 lakh+, based on scheme and valuation.
Use funds for business expansion, education, medical expenses, debt consolidation, or personal needs.
Repay comfortably over up to 15 years*, reducing EMI burden (based on scheme).
Continue to own and use your property while accessing a credit line.
Timely repayments strengthen your credit profile for future borrowing.
Clear visibility of charges, property checks, and documentation—no hidden charges.
Value Add-ons
We verify title and register charges so your loan is secure and transparent
We run ROC and CERSAI searches wherever applicable sanction to confirm no prior charge.
A Title Search Report (TSR) and Technical Evaluation Report are mandatory; both are valid for 90 days.
Valuation and legal fees are charged at actuals; stamp duty and registration are payable by the borrower.
Calculator & Eligibility
Plan smart, estimate your EMI and eligibility instantly
Plan your monthly expenses
Indicative only. Actual EMI depends on the approved rate, tenure and scheme.
Check how much loan you can borrow
Indicative estimate. Final eligibility depends on credit profile, documents and scheme.
Check Your Eligibility
Check if you qualify for Loan Against Property before applying
| Criteria | Requirement |
|---|---|
| Applicant Profile | Salaried, self-employed, small business owners, traders, and first-time formal borrowers |
| Applicant Age | 21 to 65 years (applicant/co-applicant) |
| Income Profile | Formal or informal income accepted—assessment based on actual earning capacity |
| Credit History | Clean repayment record preferred; CIBIL score expectations vary by scheme |
| Property Types | Residential, commercial and industrial type properties with clear title and acceptable valuation |
| Tenures & LTV | Tenure and loan-to-value depend on property type, location, and scheme |
Documentation
List of required documents for a loan against property
A short video PD or field visit may be required for verification. All documentation is digitally uploaded and signed.
Loan Application
Simple, step‑by‑step process from enquiry to disbursal
We’ll contact you within 24 hours
CIC score check, hygiene check and quick profile assessment
Officer visits for property, income verification and KYC
Application reviewed; scheme and terms finalised
Funds transferred post-agreement & compliance checks
Key factors to check before you apply for a LAP loan
Define your loan purpose and the amount needed.
Check interest, processing, valuation, legal and foreclosure charges.
Choose a tenure that keeps EMIs comfortable.
Ensure property title, tax receipts and approved plans are updated and available.
Maintain timely EMI payments to protect your credit score.
We report credit data and file required disclosures to regulators and depositories.
We report to CICs; exposures ≥ ₹5 crore are reported to CRILC; we also submit data to NeSL, CERSAI, and CKYC as required.
KYC, UNSC, RBI lists, e-court, GST and other due-diligence checks are performed as applicable.
Practical tips to improve approval chances and avoid mistakes
Trust
50,000+ Customers Served
10+ Lending Partners
300+ Relationship Managers
Multiple Products: MSME, LAP, Solar, Equipment, & more
Testimonials
Choice Finserv helped me access funds against my shop property when traditional banks refused. The process was transparent, and the doorstep service made it easy for me to focus on my business while they handled the paperwork.
01 / 03
Property Funding
Competitive rates, instant approval & quick disbursal
Lending Partners
Trusted by India’s leading banks and NBFCs
FAQs
A Loan against property is a secured loan where you pledge residential or commercial property to access funds for business or personal needs.
It largely depends on property value, income profile, and scheme. The final LTV and amount are determined post-valuation and underwriting.
Loan against property interest rates are profile and scheme-based; typically 15%–24% p.a. with an overall cap up to 36% p.a. depending on the lender and product.
Processing fee 1% to 4%, application fee up to 2%, stamp duty per state, valuation and legal fees recovered and other charges as per SOC; stamp duty and registration extra.
Initial verification takes place within 24–48 hours for eligible profiles. Disbursement usually depends on property checks and documentation.
No, generally it’s flexible. One can use the property for business expansion, education, medical, or personal purposes, unless restricted by the scheme.
You will absolutely maintain complete ownership of your property. Your property simply acts as a secure backing for your commitment. By staying on track with your scheduled payments, you ensure your asset remains entirely secure and safe with you
Valuation determines the market value used to compute your LTV. For loans above ₹20 lakh, we require two independent valuations and use the lower value.
Title Search Reports and valuation reports are valid for 90 days from the report date. This can be changed as per company policy.
Title Search Reports and valuation reports are valid for 90 days from the report date. This can be changed as per company policy.
CFPL files charge creation, modification, and satisfaction on CERSAI/ROC as per sanction terms; fees are recoverable at actuals.
Borrower must cure shortfall within 7 business days by providing additional security, part‑repayment, or selling pledged assets; otherwise CFPL may initiate recovery.
Stamp duty and registration charges are payable by the borrower as per state law.
You have 7 business days to cure the shortfall by adding security, part‑repaying, or selling collateral; otherwise, CFPL may initiate recovery steps.
Yes, valuation and legal fees are recoverable at actuals and typically charged at disbursal or as incurred.