Deepak Kumar (Senior Advisor) 9410928747 Mon - Sun: 9:00 AM - 8:00 PM
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Direct Senior Advisor
Deepak Kumar
Call 9410928747

9410928747

deepakkumar@shriramindiafinance.com

Loan Assistance

Loan Against Property

Unlock the value of your existing residential or commercial property for high-value funding requirements.

View Eligibility Criteria
Key Highlights
Starting Interest Rate 9.25% p.a. Rates vary by property valuation, occupancy status, property type, and borrower profile.
Loan Tenure 3 to 20 Years
Loan Amount Range ₹10 Lakhs to ₹10 Crore+

About This Loan

Loan Against Property (LAP) is a secured financing instrument where you mortgage your existing fully constructed residential or commercial property to access substantial liquidity. Since the loan is backed by tangible real estate, lenders offer significantly lower interest rates and longer tenures compared to unsecured personal or business loans.

Shri Ram India Finance guides property owners through valuation, title search, and optimal tenure structuring.

Key Features

High loan amounts up to 60-70% of market property valuation
Lower interest rates than unsecured personal or business borrowing
Long tenures up to 15-20 years for manageable monthly EMIs
Continue using, occupying, or renting the property throughout the loan tenure
Applicable on residential houses, apartments, shops, and commercial offices

Eligibility Criteria

Final eligibility parameters are evaluated by individual lenders based on credit bureau reports and repayment capacity.

  • Applicant must be the owner or co-owner of the mortgaged property
  • Clear, marketable freehold or authority leasehold property title
  • Age: 23 to 65 years
  • Sufficient recurring income to service the loan EMIs
  • Good CIBIL score for optimal LTV and rates

Documents Required

Keep these documents ready to ensure quick verification and smooth coordination with lending partners.
KYC and comprehensive income proofs (Salary slips / ITR / audited accounts)
Original title deeds and chain of ownership documents
Approved building plan, completion/occupancy certificate (if applicable)
Latest property tax receipt and electricity bills
Bank statements of past 6 to 12 months

Benefits of Applying With Us

Huge liquidity without having to sell your prized real estate assets
Multi-purpose utilization: business expansion, debt consolidation, overseas education
Pocket-friendly EMIs spread across extended tenures
Personalized assistance in evaluating market value and title requirements

Who Can Apply?

Property owners including salaried professionals, businessmen, doctors, and firms owning unencumbered commercial or residential premises.

Loan Against Property FAQs

Yes, you retain full operational possession and rental income rights as long as loan repayments remain regular and compliant.

The amount is calculated based on two factors: the market valuation of the property conducted by certified valuers and your income repayment capacity.
Dedicated Support

Apply for Loan Against Property

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Deepak Kumar

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Call 9410928747

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Looking for Loan Against Property?

Share your requirement with us and our team will contact you to explain eligibility and partner options.