Apply for Loan Against Property

    Avail Loan Against Property for Business & Personal Need

    • Competitive interest rates
    • Flexible loan terms
    • Higher loan amount based on property valuation

    What is a Loan Against Property (LAP)?

    Loan Against Property (LAP) is a secured loan option that allows individuals to leverage the value of their residential or commercial property to access substantial funds for personal or business needs.

    At Nandafincap, we understand the diverse financial requirements of our clients and offer LAP solutions tailored to both salaried professionals and self-employed individuals. By pledging your owned property as collateral, you can unlock the liquidity it holds, all while continuing to retain ownership.

    The loan amount sanctioned is primarily based on the market value of the property, along with your income profile and repayment capacity. One of the key advantages of LAP is the comparatively lower interest rates and longer repayment tenures, making it an efficient alternative to high-interest unsecured loans. Whether you are looking to expand your business, manage medical emergencies, fund higher education, or consolidate debts, LAP offers the flexibility and financial backing you need.

    At Nandafincap, the application process is smooth, with minimal documentation, quick approvals, and complete transparency. Your property is professionally evaluated to determine its current market worth, and based on that, we provide a customized loan offer to suit your needs. LAP ensures financial independence without compromising ownership or long-term planning. Trust Nandafincap as your reliable partner in helping you unlock your property’s potential with confidence and clarity.

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    Features and Benefits of LAP Through Nandafincap

    At Nandafincap, we strive to provide you with financial solutions that are convenient, flexible, and tailored to your needs. Our Loan Against Property (LAP) offerings come with several key benefits that make us a preferred partner for individuals seeking secured loans.

    Higher Loan Amount

    Unlock the full potential of your property with Nandafincap. We offer higher loan amounts compared to many traditional lenders, giving you access to substantial funding for personal or business needs.

    100% Digital Application

    Apply anytime, from anywhere. Our fully digital loan application process ensures hassle-free submission and faster processing, giving you a smooth borrowing experience without needing to visit a branch.

    Lower Interest Rates

    Enjoy the advantage of competitive interest rates on your LAP. With reduced rates, you face less financial burden and more manageable EMIs, helping you stay on top of your finances.

    Customised Repayment Options

    Choose a repayment schedule that works best for your financial situation. Our flexible repayment plans are designed to accommodate your cash flow and commitments.

    Quick Disbursal

    Your time is valuable. With our streamlined loan process, you can expect approval and disbursal in less than 72 hours after documentation and eligibility verification.

    No Foreclosure Penalty

    If you’re an individual borrower opting for a floating interest rate, you can prepay your loan—partially or in full—at any time without incurring any foreclosure or prepayment charges.

    Eligibility for Loan Against Property

    For Salaried Person:

    • The applicant should have completed the minimum age 21 years or above at the time of loan application but should be below 65 years at the time of loan retirement.
    • He/she should have income proof, address proof, and valid PAN card.
    • For a quick approval, a CIBIL Score of 700 or higher is recommended.

    For Self Employed Individuals:

    • The applicant should possess a graduate degree if the applicant is engaged in a private limited company or a partnership. This won’t be needed if he or she works in a public limited company.
    • The person should have a monthly income of more than INR 40,000 per month and he must be working for the last 2-3 years.
    • The applicant should be at least 18 years or above at the time of application but under 60 years at loan retirement.
    • Sanction of the loan is at the discretion of the lender.

    For Businessmen:

    • The applicants need to have a proof of income which is above INR 1.8 LPA. They also need to furnish profits of the past two years of business and a record of the business of at least three years.
    • Property Ownership Proof, Income Statements, Financial Statements (P&L, Tax Returns), Identity Proof, Credit History, Financial standing, and Property value.
    • Additional property documents (valuation, legal status)

    Documentation for Loan Against Property

    For Salaried People

    • Latest salary slips
    • Bank account statements of the previous 3 months
    • PAN card/ Form 60 of all applicants
    • ID proof
    • Address proof
    • Document of the property to be mortgaged
    • IT returns
    • Title documents

    For Self-employed Individuals

    • Primary bank account statements of the previous 6 months
    • PAN card/ Form 60 of all loan applications
    • Address proof
    • ID proof
    • Income documents like ITR/ financial statements, etc.
    • Documents of the property to be mortgaged
    • Title documents

    Note: There may be a need for additional documents depending on a specific case or the lender.


    Now Apply Loan Against Property in 3 Easy Steps

    Here is an easy way to secure a loan against an idle property.

    1Check Eligibility

    Use our LAP Eligibility Calculator to Check Your Eligibility.

    2 Submit the Docs

    Next, Submit the Required Documents Online and Click Submit

    3 Submit Application

    Verify the Submitted Information and Click on Submit for Further Processing.

    Frequently asked questions

    Which type of property can be used to avail a Loan Against Property?

    To apply for a Loan Against Property with Nandafincap, the property must have a clear title, be free from legal disputes or encumbrances, and should not already be under an existing loan or mortgage.

    Why should I choose Nandafincap for a Loan Against Property?

    Nandafincap offers unmatched benefits when it comes to LAP, such as:

    • Easy and flexible repayment terms

    • Attractive interest rates

    • Quick loan approval and disbursal

    • Transparent and hassle-free process

    • 100% digital application experience

    What types of properties are eligible for LAP?

    You can pledge a variety of real estate assets to avail a loan, including:

    • Residential properties (self-occupied or rented)

    • Commercial properties (shops, offices, etc.)

    • Industrial and institutional properties (schools, clinics, hotels)

    • Vacant residential or commercial plots (as per approval)

    Where can I use the Loan Against Property amount?

    Loan Against Property from Nandafincap can be used for a wide range of financial needs, such as:

    • Personal requirements (weddings, medical emergencies, education, etc.)

    • Business expansion or working capital

    • Property renovation or purchase

    • Debt consolidation or refinancing

    • Foreclosure buyouts or emergency funding

    Why is Nandafincap a trusted financial partner?

    At Nandafincap, we combine experience, digital convenience, and customer-first policies to deliver seamless and secure financial solutions. From personalized support to fast-tracked approvals, our LAP offerings are designed with your goals in mind.