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A common man's life is constantly filled with responsibilities, including those for providing for daily household needs, raising children, building a good financial foundation, and occasionally covering medical emergencies that can happen at any time and result in significant medical expenses that are difficult for a common person to afford. In this situation, our home as assets plays a crucial role in rescuing us from all these stressful situations by enabling us to take out a loan against property, which is relatively inexpensive. Compared to other unsecured loans, loans against property enable us to receive the needed funds at a lower interest rate. And provide us freedom from undesirable, dire financial collapse scenarios. Continue reading our post for more information on Loan Against Property.To know more about Loan against property keep reading our articles.

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Loan against Property loan key Points

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What is Loan against property (LAP)?

A loan against property (LAP) is a type of secured loan that allows borrowers to use their residential or commercial property as collateral to secure a loan from a financial institution. The loan amount is typically a percentage of the market value of the property being used as collateral. The interest rates on LAPs are generally lower than those of unsecured loans because the lender has the security of the borrower's property. The amount of the loan and the interest rate offered will depend on the value of the property being used as collateral, the borrower's creditworthiness, and other factors considered by the lender. The borrower must repay the loan in regular installments over a specified period of time, typically between 5 to 20 years. If the borrower fails to make timely payments, the lender can sell the property to recover the outstanding loan amount. Loan against property can be availed for various purposes such as funding business expansion, financing education, marriage expenses, medical emergencies, debt consolidation, and home renovation, among others. The loan amount that can be availed typically ranges from 50% to 80% of the property's current market value, depending on the lender's policies and the borrower's creditworthiness.

Cheaper Loan Option

An excellent strategy to satisfy your financial obligations when you're in need of money is to take out a loan against your home because it's less expensive than an unsecured loan.

No restrictions

The main benefit of Loan against property is that there are no restrictions on how you may utilize the money.

Continue the occupancy

As long as you finish repaying the loan against the property, your occupancy will remain unchanged.

Smooth and Quick disbursement

Save your precious time by smooth and fast processing with less involvement of paperwork, get disbursment within 48 working hours in your account.

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Why Choose Us?

At “Dealstohdekho”, we strive to provide our customers with the best possible Loan against property loan experience. With a wide selection of  loan against property loan option and a knowledgeable team of experts, we make sure that our customers find the right loan  to fit their needs and budget. Our focus on transparency, honesty, and fairness sets us apart from other Loan against property loan service providers. From start to finish, we are here to guide and assist you in finding the perfect Loan against property to meet your needs and budget. We provide the best customer service, fast and easy LAP financing process, competitive rates with no hidden fees and 24/7 help. We are best Loan against property loan provider, our main mission is to get you a LAP that meets your needs.We offer you the best Loan against property financing options and terms, so that you don't have to worry about finding a lender by yourself. We believe that our customers deserve an exceptional experience, so we put all of our resources behind making sure you get what you need when you need it.


Loan against property Benefits

Loan against property (LAP) is a type of secured loan that allows borrowers to borrow money by pledging their property as collateral. Here are a few benefits of loan against property:

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Loan against Property Feature

A Loan against property is much simpler to obtain than any other loan; for your reference, below are a few important points about Loan against property loan. It act as a backup plan for you when you run out of money or need money in an emergency but lack any immediate resources.

Urgent and large funds required

A lap is the best option in the urgency of funds, whether you need to raise fund, repay debt, cater to a financial emergency or simply scale your venture, you can use a LAP as per your wishes.

Lower rate of interest

LAP usually have a lower rate of interest when compared to unsecured others loan.Also if you have a good credit score and credit history, the chances of you getting a loan at a low rate of interest goes up.

Flexible Loan Tenure

LAP offers you longer loan tenure of maximum 240 month for repayment.

Simple documentation and approval process

A loan against property typically has a straightforward documentation and approval process. In this instance, the collateral is the property used to secure the loan. Lenders are now able to go forward with a simple paperwork procedure.


Loan Against Property Eligibility Criteria

One needs to meet the eligibility standards set by the lenders to avail a  Loan against property. Depending upon individual capacities and property valuations, eligibility criteria for financing a property loan are as follows.

Additional Documents

Required Documents For Loan against property

Self-Employed & Salaried and seeking funds as Loan against property Loan will have to furnish additional documents listed below to start the loans process.

Monthly EMI

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Loan Amount

Loan Months


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Monthly EMI

Total Interest

Total Amount Payable

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*These calculators are provided only as general self-help Planning Tools. Results depend on other factors.

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We as AD Finance, corporate with all leading banks & Nbfc, and provide financial services in pan India. Customers can choose and compare lenders from an exhaustive list of 25+ Banks & Nbfc according to financial need.

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Frequently Asked Questions

  • Basically, the bank looks at your repayment capacity. For calculating the loan amount, your income, age, qualifications, number of dependants, spouse’s income, assets, liabilities, stability and continuity of occupation and savings history are taken into consideration. However the eligibility of loan does not, generally, exceed 60 percent of the market value of the property.

  • You can include your spuse as a co-applicant and that results in a higher amount being lent. However, if the property is co-owned, all co-owners mandatorily need to be co-applicants.

  • Processing fee for loan against any property varies from bank to bank and is generally around 1 percent.

  • Loans against property has a maximum tenure of 15 years, subject to the condition it does not exceed your retirement age. This condition however can be flexible in certain cases

  • You repay the loan in Equated Monthly Installments (EMIs) comprising principal and interest. Repayment by way of EMI commences from the month following the month in which you take full disbursement.

  • Yes. Prepayment is possible and there is no prepayment fee if you repay the loan after six months of availing the loan if you pay from your own source of funds without transferring the loan.

Unlock the value of your property with a loan

Get the Funds You Need with a Loan Against Your Property

Your property is more than just a roof over your head – it’s an asset that can help you achieve your goals

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