Vashnavi Fintech
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Secured Mortgage Credit

Loan Against Property (LAP)

Unlock the true market value of your residential, commercial, or industrial property. Secure high-ticket funds at competitive interest rates.

  1. Home
  2. Loan Products
  3. Loan Against Property
9.25%
Starting Interest Rate (p.a.)
High Value
Loan Limit as per Property Equity
15 Years
Extended Repayment Tenure
Up to 70%
Loan-To-Value (LTV) Ratio
Equity in Your Property

Monetize Real Estate While Retaining Complete Ownership

Your real estate is your most valuable asset. A Loan Against Property (LAP) from Vashnavi Fintech Private Limited allows you to leverage that latent equity to fund massive business expansion, overseas education, heavy machinery purchase, or high-value debt restructuring at interest rates dramatically lower than unsecured loans.

Residential Property

Self-occupied or rented apartments, independent houses, or villas with clear titles.

Commercial Property

Shops, retail showrooms, commercial office spaces, and business complexes.

Industrial Real Estate

Approved industrial land, warehouses, factory sheds, and manufacturing units.

Continued Possession

You continue to live in, operate from, or rent out the property without any disturbance.

LAP Eligibility & Property Documentation

Borrower Eligibility

  • Salaried Professionals (Doctor, CA, Corporate) or Business Owners
  • Age: 25 to 68 years at loan maturity
  • Single or Joint ownership with family co-borrowers
  • Minimum stable annual household income of ₹3,50,000

Property Documentation

  • Original Title Deed / Sale Deed chain (13-30 years)
  • Latest Property Tax Paid Receipts & Khata Certificate
  • Approved Building Map / Layout Sanction Plan
  • Nil Encumbrance Certificate (Form 15/16)

LAP Pricing & Structure

Interest Rate Range 9.25% to 12.50% per annum (Linked to external benchmark)
Processing Fee 0.75% to 1.50% of sanctioned limit + GST
Valuation & Legal Search Conducted at actuals by bank empaneled chartered engineers & advocates
Part-Prepayment Facility Zero penalty for individual borrowers on floating rate facilities
Quick Assistance

Enquire for Loan Against Property

Fast appraisal by senior mortgage specialists.

Highest LTV Guarantee • Dedicated Loan Officer
LAP Guidance

Loan Against Property FAQs

A Loan Against Property carries substantially lower interest rates (starting at 9.25% p.a. vs 12%-18% on personal loans) and allows repayment tenures of up to 15 years instead of 5 years. This drastically reduces your monthly EMI burden and qualifies you for much larger loan amounts.

Yes. Both self-occupied and tenant-occupied residential or commercial real estate can be mortgaged, provided the property has a clear marketable title with sanctioned municipal approvals.