Transform Your Real Estate into Growth Capital
Loan Against Property (LAP) is the smartest route to raise significant funding while retaining complete ownership and occupancy of your property. Because it is backed by physical collateral, interest rates are substantially lower than personal loans or unsecured credit.
MAXFIVA Financial Services provides professional legal vetting, property valuation assistance, and liaison with tier-1 banks to maximize your sanction limit.
Key Advantages of Loan Against Property
Low Interest Rates
Enjoy mortgage interest rates that are much lower than unsecured personal or business loans, keeping EMIs manageable.
Multipurpose Usage
Utilize funds freely for business expansion, debt consolidation, overseas higher education, or lavish family events.
Retain Full Possession
Continue living in or renting out your property while leveraging its financial value for liquidity.
LAP Balance Transfer
Refinance an existing high-rate property mortgage to a lower ROI institution with a top-up loan facility.
LAP Eligibility & Property Document Requirements
Eligibility Criteria
- Applicant: Salaried individuals, Self-Employed professionals & Businessmen.
- Age Limit: 23 to 65 years at the time of loan maturity.
- Property Title: Freehold residential, commercial, or industrial property with clear chain of deeds.
- Co-Applicants: All co-owners of the property must join as co-applicants.
- Credit Score: 700+ CIBIL score ensures swift approval & best ROI.
Required Documents
- KYC: PAN, Aadhaar, Passport/Voter ID of all property co-owners.
- Income Proof: 3 months salary slips / 3 years ITR with computation & audit reports.
- Banking: Last 12 months bank statements of all active accounts.
- Property Title Deeds: Registered Sale Deed, Conveyance Deed, Mutation copy.
- Sanction Plan: Approved building map/NOC from municipal authorities (if applicable).
Loan Against Property EMI Calculator
Calculate your monthly repayments based on property loan amount and tenure.
Apply for Loan Against Property
Tell us about your property & requirement to get an estimated sanction amount.
Loan Against Property FAQs
Residential houses, apartments, freehold plots, self-occupied commercial shops, and rented commercial offices with clear title deeds are accepted.
You can get up to 60% to 75% of the current market valuation of the property depending on property type, location, and your repayment capacity.