Raise funds against property you already own — a larger amount, a longer tenure and a far lower rate than unsecured borrowing.
If you own property and need substantial funds, a loan against property is almost always cheaper than a business loan. You keep the property and continue using it; the lender holds a charge and you repay over years rather than months.
It is used for business expansion, consolidating expensive debt, funding a large one-off cost, or releasing capital tied up in an asset. Because it is secured, lenders will consider larger amounts and are more flexible about the purpose.
The trade-off is real and worth stating plainly: this is your property at stake. It should fund something that earns or saves more than it costs, not a shortfall you have no plan to close.
We would rather tell you a product is wrong for you than arrange the wrong one.
An incomplete file is the most common cause of delay. This is the usual list — we tell you exactly which apply to your case.
The lender's valuer, not the market rumour, sets the number. We set expectations early so nothing collapses late.
Most LAP files that fail, fail on title. Better to find it in week one.
Term loan or overdraft, and what tenure keeps the EMI comfortable against your actual cash flow.
Appetite for commercial and industrial property varies widely between banks and NBFCs.
We manage the queries and see the file through to release.
Most rejections are avoidable and have nothing to do with whether the business is sound. These are the ones we see most often.
What fixes it: Get the documents in order before applying; this is the leading cause of rejection.
What fixes it: Move to a lender comfortable with that asset class rather than arguing the point.
What fixes it: Lower the amount or lengthen the tenure — the property value alone is not enough.
What fixes it: Disclose it upfront; it will surface in the legal report anyway.
What fixes it: Frequently not fundable at all. Better to know before spending on valuation.
A percentage of the lender's assessed market value — not the full value, and typically lower for commercial or industrial property than residential. Your income must also support the EMI; both tests apply.
Yes. You continue to live in it or run your business from it. The lender holds a charge as security; possession only becomes an issue on serious default.
Materially, yes — because it is secured. For larger amounts over longer periods the difference in total interest is substantial, which is why it is usually worth the extra paperwork.
Generally yes, and rental income can sometimes support eligibility. The terms depend on the lease and the tenant.
All owners must join as co-applicants or guarantors. This is not optional, and it is worth settling before starting.
A free first meeting with our loan experts — an honest answer on how much you can borrow and which bank fits you best.