

LOAN AGAINST PROPERTY
Unlock the potential of your
property with
Loans Against Property!
Enjoy affordable interest rates, easy EMIs,
& fast approvals.
What is Loan Against Property ?

A Loan Against Property (LAP loan) is a tailored financing solution designed for people seeking substantial capital without selling off their assets. By leveraging your property, you gain access to funding at competitive interest rates aligned to your financial strategy.
Whether your looking to grow your business, invest in new opportunities, or consolidate existing debt, this loan offers the flexibility of extended tenures and structured EMIs, all while ensuring you retain full ownership of your property.
Loan Against Property Calculator
Why Choose Kissht for Loan Against Property?

Higher Loan Amounts

Single Property Document Funding

No legal check, No valuation

Repayment Tenure up to 7 Years

Continued Property Ownership

Loan on all property types
Loan Against Property Benefits

Free CIBIL Check
Know your financial standing.

Property Valuation Waived off
Enjoy added savings.

Zero Processing Fee
Benefit from no extra costs.

Loan within 3 days
Fast and easy process.

Loan Against Property
Eligibility Criteria

How To Apply for a Loan Against Property?

Visit Nearest Branch
To locate nearest branch, click here
Share Basic Details
Share basic details with our Loan Expert and Schedule a property evaluation
Submit Documentation
Submit required documentation as per the checklist provided by our branch (applicable if evaluation is successful)**
Loan Approval
Get your loan amount approved in just 1 Day* (T&C’s Apply)
Accept Offer
Accept your loan offer and Loan amount will be disbursed within 3 working days* (T&C’s Apply)
Documents required for Loan Against Property

Basic KYC Documentation
Submit identity and address proof for verification.
Single Deed Property Document
Provide a clear and legally valid property ownership document
Note : For detailed document list kindly visit nearest store or call us on 080 44745884 /080 62816309

Find Nearest Store
We’re now in 70+ cities across India. Find a store near you today!
Frequently Asked Questions?

A loan against property is a secured loan where you pledge your property, like a house or land, as collateral. This loan enables you to borrow a lump sum amount based on your property's value, with a loan against property interest rate typically lower than unsecured loans. The loan is repaid in easy installments, offering flexible terms for borrowers.
To apply for a Loan Against Property, you must be an Indian citizen. Your age must be between 21 and 60 years. Basic documentation, such as a selfie, PAN card, and Aadhaar card, is required. Income proof may be necessary for select high-value loans, depending on your credit profile. The loan is available to self-employed professionals, salaried individuals, small business owners, and MSMEs.
The maximum loan amount you can get against your property depends on factors like the value of the property, your income, and your credit profile. Typically, you can borrow a significant percentage of the property's market value, with the final loan amount determined during the application process.
Here are the documents required for loan against property: • Basic KYC Documentation: Submit identity and address proof for verification (e.g., PAN card, Aadhaar card). • Single Deed Property Document: Provide a clear and legally valid property ownership document. Additional documents may be required based on the loan amount and your profile.
Both commercial and residential properties are eligible as collateral for a Loan Against Property. This includes properties like houses, apartments, offices, and commercial buildings, provided they are legally owned and free from any disputes.
The processing time for a Loan Against Property typically depends on factors like document verification and property evaluation. While the process can take a few days to a couple of weeks, once all required documents are submitted, the loan is generally processed quickly for approval and disbursal.
A Loan Against Property offers several advantages, including: 1. Lower Interest Rates: Since it’s a secured loan, the loan against property interest rates are typically lower compared to unsecured loans. 2. Higher Loan Amount: You can borrow a larger amount based on the value of your property. 3. Longer Repayment Tenure: Enjoy flexible repayment terms, making it easier to manage monthly installments. 4. Quick Disbursal: Once approved, funds are typically disbursed faster than unsecured loans. 5. Use for Various Purposes: The loan can be used for business expansion, education, medical expenses, or other personal needs.
To be eligible for a Loan Against Property, you must meet the following criteria: • Nationality: Indian citizen • Age: Between 21 and 60 years • Documentation: Selfie, PAN Card, and Aadhaar Card • Income Proof: Required only for select high-value loans based on credit profile • Profile: Salaried individuals, self-employed professionals, small business owners, and MSMEs