Unlock the potential of your property with Loan Against Property. Enjoy affordable interest rates, easy EMIs, and fast approvals.
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 you're 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.
Calculate your LAP EMI with the following parameters:
| Parameter | Description | Range |
|---|---|---|
| Loan Amount | How much do you need? | ₹5,000 - ₹60,00,000 |
| Rate of Interest | Annual Interest Rate | 6% - 36% |
| Loan Tenure | Repayment Tenure | 3 Months - 72 Months |
Loan Details:
| Parameter | Value |
|---|---|
| Loan Amount (Principal) | ₹1,00,000 |
| Total Interest Rate | 12% |
| Tenure | 12 months |
| EMI | ₹9,025.83 |
| Interest Rate | 15% per annum |
| APR | Start from 19% |
| Processing Fee (incl. GST) | ₹3000 (3%) |
Disclaimer: The Loan EMI Calculator provides an estimated value. Please consult your lender for accurate details.
Higher Loan Amount Get a higher loan amount with easy approval.
Tenure up to 10 Years Choose a tenure that fits your financial goals.
Property Ownership Use your property to unlock higher loan value.
Loan on all Property Get a loan against different property types.
Know your financial standing and make informed decisions.
A quick and simple process that saves you time and effort.
Check your credit score in seconds and stay one step ahead of your financial goals.
Kissht offers a streamlined application process for Loan Against Property.
Transfer your existing Loan Against Property to Kissht and enjoy:
Submit identity and address proof for verification.
Provide a clear and legally valid property ownership document.
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 to 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:
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.
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