Unlock Your Property's Value

Loan Against Property

Unlock the value of your property with our competitive loan options. Get the funds you need with flexible repayment terms.

Calculate EMI Check Eligibility

Why Choose Our Loan Against Property

Discover the advantages of our loan against property service designed to meet your financial needs

Competitive Interest Rates

Starting from 18% p.a., our rates are designed to keep your EMIs affordable.

From 18% p.a.

Flexible Tenure

Choose a repayment period of up to 7 years to suit your financial planning.

Up to 7 years

Quick Approval

Get your loan approved within 24 hours with minimal documentation.

Within 24 hours

Types of Loan Against Property

Loan Against Property - Unlock Your Property's Potential

Education Loan

Fund your or your child's higher education dreams with competitive interest rates and flexible repayment options tailored for students.

Marriage Loan

Make your special day memorable without financial stress. Cover wedding expenses with our tailored marriage loan solutions.

Work Visa/Permit Loan

Pursue international career opportunities. Finance your work visa, permits, and relocation expenses seamlessly.

Loan For Debt Consolidation

Simplify your finances by consolidating multiple debts into one manageable payment with lower interest rates.

Plot Purchase Loan

Invest in land and secure your future. Finance your plot purchase with attractive terms and quick approval process.

Construction/Renovation

Build your dream home or renovate your existing property with our flexible construction and renovation loan options.

Built Up Home Purchase Loan

Purchase your ready-to-move-in home with competitive interest rates and minimal documentation requirements.

Simple Application Process

Get your loan approved in just a few simple steps

Apply Online

Fill out our simple online application form with your details

Document Submission

Upload the required documents for verification

Verification

Our team verifies your application and property details

Loan Disbursement

Receive your approved loan amount directly in your account

Calculate Your EMI

Plan your finances better with our easy-to-use EMI calculator. Get instant results and make informed decisions about your home loan.

Instant Calculation

Get EMI amount in seconds

Detailed Breakdown

Principal vs Interest analysis

Mobile Friendly

Calculate anywhere, anytime

EMI Calculator

₹
₹1L ₹1Cr
%
8% 32%
Years
2 Years 30 Years

Monthly EMI

₹22,493

Total Interest
₹2,898,320
Total Amount
₹5,398,320

Loan Eligibility Criteria

Check if you qualify for our Loan Against Property

Salaried Professionals

For employees with regular monthly income

Age Criteria

21 to 65 years at loan maturity

✓ Flexible age limits

Monthly Income

Minimum ₹25,000 per month

✓ Competitive income requirement

Work Experience

2 years total, 1 year current job

✓ Reasonable experience needed

Credit Score

650 and above preferred

✓ We help improve your score

Self-Employed

For business owners and professionals

Age Criteria

21 to 65 years at loan maturity

✓ Same flexible age limits

Business Vintage

Minimum 3 years in business

✓ Established business track record

Annual Income

Minimum ₹3 lakhs per year

✓ Reasonable income threshold

ITR Filing

Last 2 consecutive years

✓ Standard compliance requirement
Apply for Loan Against Property

Documents Made Simple

We've streamlined the documentation process to make it as easy as possible for you

Identity & Address

Basic identification documents

Aadhaar Card

Government issued ID proof Required

PAN Card

Permanent Account Number Required

Voter ID

Alternative ID proof Optional

Utility Bills

Address proof (latest) Required

Income Proof

Financial capability documents

Salary Slips

Last 3 months Required

Bank Statements

Last 6 months Required

Form 16 / ITR

Last 2 years Required

Employment Letter

From current employer Optional

Property Papers

Property related documents

Sale Agreement

Property purchase agreement Required

Sale Deed

Registered property deed Required

Title Documents

Property ownership proof Required

NOC

From builder/society Required

Frequently Asked Questions

Find answers to common questions about our Loan Against Property

A Loan Against Property (LAP) is a secured loan where you pledge your residential or commercial property as collateral. The loan amount is determined based on the market value of your property. You continue to own and use the property while repaying the loan.

Typically, you can get a loan of up to 60-70% of the market value of your property. The exact amount depends on factors like your income, credit score, age, property location, and type of property.

If the loan is used for business purposes or home renovation, you may be eligible for tax benefits under Section 37(1) or Section 24(b) of the Income Tax Act, respectively. We recommend consulting with a tax advisor for personalized advice.

If you default on your loan payments, the lender has the right to recover the outstanding amount by selling the mortgaged property. This is done after providing sufficient notice as per the terms of the loan agreement. It's important to communicate with your lender if you're facing financial difficulties.

Yes, you can prepay your Loan Against Property. However, there might be prepayment charges applicable, especially during the initial years of the loan. These charges typically range from 2-5% of the outstanding loan amount. After a certain period (usually 6-12 months), partial prepayments up to a certain percentage of the outstanding amount may be allowed without charges.

Ready to Unlock the Value of Your Property?

Get the funds you need with our competitive Loan Against Property options. Our experts are ready to guide you through the process.

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Our goal at Credifin is to provide access to vehicle loans, home loan, and loan against property at insight competitive interest rates. We are here to help you in fulfilling your dreams.

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