Loan Against Property (LAP)
A Loan Against Property (LAP) allows you to unlock the value of your owned property by using it as collateral to secure a loan. Whether you need funds for business expansion, personal expenses, debt consolidation, or emergency financial needs, this loan provides high loan amounts at lower interest rates compared to unsecured loans. We help you get the best LAP deals from leading banks and NBFCs.
Why Choose Roy Consultancy?
✅ Expert Guidance – Compare and secure the best LAP deals.
✅ Low-Interest Rates – Competitive rates from top banks & NBFCs.
✅ Quick Loan Processing – Hassle-free approvals with minimal paperwork.
✅ High Loan-to-Value Ratio – Maximize loan benefits based on property value.
✅ Customized Repayment Plans – Flexible EMI options for easy repayment.
Features & Benefits of LAP
✔ High Loan Amount – Get up to 60-80% of your property’s market value.
✔ Lower Interest Rates – More affordable compared to personal or business loans.
✔ Flexible Repayment – Loan tenure of up to 15-20 years.
✔ Multi-Purpose Usage – Funds can be used for business, personal, or educational needs.
✔ Both Residential & Commercial Properties Accepted.
✔ Balance Transfer Facility – Reduce EMI burden by transferring your existing LAP.
Why Do You Need a Loan Against Property?
✅ Business Growth: Expand operations, purchase equipment, or increase working capital.
✅ Debt Consolidation: Pay off multiple loans with a single lower-interest loan.
✅ Education & Medical Needs: Fund higher education or cover medical emergencies.
✅ Home Renovation: Finance home improvements without depleting savings.
✅ Emergency Funds: Secure quick access to substantial funds at lower rates.
Eligibility Criteria
✅ Age: 21 to 60 years
✅ Property Ownership: Must be in the applicant’s name with clear legal title
✅ Employment Type: Salaried or self-employed individuals, businesses, and professionals
✅ CIBIL Score: 650+ preferred for lower interest rates
✅ Income Stability: Sufficient and stable income to ensure timely repayments
Documents Required
📌 KYC Documents: Aadhaar Card, PAN Card
📌 Income Proof: Salary slips, ITR returns, Business financials (for self-employed)
📌 Property Documents: Ownership proof, Title deed, Encumbrance certificate
📌 Bank Statements: Last 6 months’ statements
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