Unlock Property's Hidden Financial Potential.

Bharatloansapp offers Loan Against Property, a flexible solution to harness the hidden potential of your property. Unlock financial freedom

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Loan Against Property

Loan Against Property

Fulfill your financial needs by availing up to 70% of your property value. This loan is to utilize the value of your property without putting it on sale. Along with the quick approval, interest rates are also very low in this loan. We’ll l support you in getting loan against property in Mohali in few hours.

Features and Advantages of Secured Loan Against Property:

  • 100% secure: The value of your property serves as collateral for the loan. By serving as collateral, the property lowers the lender’s risk. As a result, interest rates are typically lower than for unsecured loans.
  • Loan Amount: The value of the property you pledge will be used to calculate the loan amount. In comparison to other unsecured loans or personal loans, you can typically obtain a larger loan amount.
  • Low EMI: Compared to other loan types, a loan secured by property typically has a longer tenure (repayment period), typically ranging from five to twenty years. This makes smaller monthly installments possible.
  • Multipurpose: The loan amount can be applied to several different things, providing you the freedom to meet different financial demands without being constrained.
  • Enhances Credit Scores: Since it shows responsible borrowing behavior, successfully repaying a loan secured by property might raise your credit score.

Loan Against Property Calculator


Loan Against Property Eligibility

Call to know the criteria required to apply for our Personal Loan

Loan Against Property Eligibility Criteria

Nationality: You need to be a Citizen of India with documents to prove your claim.

Occupation and Income: Your lender will require you to furnish details regarding your occupation and income to prove your professional and financial stability to determine your creditworthiness.

Credit History: Your three-digit Credit Score, indicative of your track record in respect of repayment of loans, and other forms of credit will be a deciding factor to prove your eligibility for a LAP.

Banking Relationship: Should you have a healthy relationship with your lender, you will not be disapproved for a LAP. Additionally, your lender will offer you better terms and conditions in respect of loan value, interest rates, period of the loan, hidden charges, and processing fees.

Market Value of Property: Your lender retains the right to decide the loan amount and terms and conditions of your mortgage loan based on the market value of your collateral property. Besides, the market value of the mortgaged property must be higher than the loan amount calculated on the current value of your property.

Title of Property: Your lender will require you to be the current existent owner of the property, and in case of a co-application, you will require to prove multiple ownership clear title. Besides, the property must not be mortgaged with any other financial institution.

Documents required to apply for Loan Against Property

  • Proof of identity/residence
  • Proof of income
  • Property-related documents
  • Proof of Business (for self-employed)
  • Account statement for the last 6 months

Client's words

Connect with us to help you make your financial decisions right and smart.

I was in urgent need of a home loan, and Bharatloansapp came to my rescue. Their expert guidance and seamless loan processing made the entire experience stress-free. I'm now a proud homeowner, thanks to Bharatloansapp!

Mr. Rajesh Sharma

I wanted to expand my business, and Bharatloansapp helped me secure a business loan with attractive terms. Their professionalism and strong network of partner banks truly impressed me. My business is thriving, and I'm grateful to Bharatloansapp for their support

Mrs. Simran Kaur

I wanted to expand my business, and Bharatloansapp helped me secure a business loan with attractive terms. Their professionalism and strong network of partner banks truly impressed me. My business is thriving, and I'm grateful to Bharatloansapp for their support

Mr. Sameer Patel


LAP is a secured loan where you use your property as collateral to borrow money. You repay the loan with interest.

Residential, commercial, and industrial properties can be used as collateral for LAP.

You can apply online through our website or contact our team for guidance on the application process.

Eligibility is based on factors such as the property's value, your income, creditworthiness, and the specific lender's policies

LTV ratios can vary but often range from 40% to 70%, meaning you can get a loan for 40% to 70% of the property's value.

Common documents include property documents, income proof, identity proof, and address proof.

LAP interest rates can be fixed or floating, depending on the lender and the specific loan terms.

Prepayment is typically allowed, and some lenders may have prepayment penalties. The terms vary.

While processing fees and documentation charges may apply, these should be transparent and disclosed by the lender.

Missing an EMI payment can result in late fees and negatively affect your credit score. It's crucial to communicate with the lender in case of financial difficulties to seek alternative repayment options.

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