Unlock capital against property assets

Loan Against Property
Leverage Your Equity.

Get structured financing on commercial or residential property with competitive rates and longer repayment options.

Long Tenure Flexible EMIs up to 10 years

Product Snapshot

Borrow up to 70% of your property value with clear terms and fast appraisal.

  • Quick valuation
  • High loan-to-value
  • Tenures up to 120 months
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Ready to Apply? Here's What You'll Need

Eligibility Criteria

MINIMUM TURNOVER

₹1 crores

YEARS OF OPERATION

1+ years

Private Limited Sole Proprietorship Partnership

Documentation

  • Business: GSTIN Registration, Udyam Registration
  • KYC: PAN Card, Aadhaar Card Redacted
  • Financials: 12 months Bank Statements, 12 months GST returns

Terms

  • Interest Rates Starts from 12% p.a.
  • Processing Fees Starts from 1% p.a.
  • Tenure Upto 48 months Other terms and conditions as per lender

Why Choose Loan Against Property?

Lower Cost Financing

Secure a larger loan amount at a lower interest rate than unsecured credit.

Longer Repayment

Spread payments over a longer term to reduce monthly cash outflow.

Preserve Working Capital

Use your property equity instead of tapping into daily operating funds.

Flexible Usage

Use funds for growth, expansion, inventory, or debt consolidation.

Why SMESAATHI?

SMESAATHI provides new-age customized financing products for your business needs

Unlock working capital instantly
No collateral required
Competitive interest rates
Quick approval process
Flexible repayment options
Minimal documentation
100% digital process
No hidden charges

Frequently Asked Questions

A Loan Against Property (LAP) is a secured loan where you can pledge your residential, commercial, or industrial property as collateral to obtain funds for business expansion, working capital requirements, debt consolidation, education, or personal financial needs.
Self-employed individuals, business owners, professionals, partnership firms, LLPs, and private limited companies with stable income and ownership of an eligible property can apply for a Loan Against Property.
The loan amount generally depends on the market value of the property and the lender's policies. Most lenders offer up to 60% to 75% of the property's assessed value, subject to eligibility and repayment capacity.
Residential properties, commercial spaces, office premises, shops, warehouses, and certain industrial properties may be accepted as collateral, subject to legal and technical verification.
Interest rates for Loan Against Property typically start from 12% per annum and may vary depending on the borrower's profile, property value, credit history, and lender policies.
Commonly required documents include PAN Card, Aadhaar Card, property ownership documents, bank statements, income proof, GST returns (if applicable), business registration documents, and financial statements.
Yes. Even after mortgaging the property, you can continue to occupy and use it as usual, provided you comply with the loan terms and repayment schedule.
Loan Against Property generally comes with flexible repayment tenures, often extending up to 15 years or more depending on the lender and borrower profile.
Since Loan Against Property is a secured loan, continued non-payment may result in the lender taking legal action and initiating the process to recover dues through the mortgaged property, as per applicable regulations.
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