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A Loan Against Property is a secured loan where you mortgage your owned property to obtain funds. Since the loan is backed by collateral, lenders may offer higher loan amounts, lower interest rates, and longer tenures compared to unsecured loans.
This loan is ideal for individuals and businesses who need substantial funding while retaining ownership and use of the property.
At Capital Adept, we help you evaluate property-backed financing options and choose the lender best suited to your profile.
Subject to lender norms and legal verification:
Property type, approximate value, city, and funding need
Assess income, liabilities, and property eligibility
We help organise personal, financial, and property papers
Lender conducts property valuation and legal review
Compare options from reputed banks and NBFCs for the best terms.
We help choose the right tenure, EMI, and lender for your profile.
Smooth handling of valuation and legal paperwork requirements.
Dedicated follow-up with lenders for timely processing.
Clear communication on rates, charges, and timelines always.
From enquiry to disbursal — we stay with you throughout the journey.
No. You continue to own and use the property while it remains mortgaged to the lender. Ownership is not transferred.
Depends on property market value, location, type, applicant income, liabilities, and lender norms.
Yes, many lenders consider rented commercial and residential properties with lease agreements.
Yes, both salaried and self-employed applicants may be eligible for Loan Against Property.
Yes, balance transfer may be available in eligible cases to get better rates or terms.
Talk to Capital Adept and discover the right Business Loan for expansion, working capital, or growth.
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Use the strength of your property with Capital Adept’s trusted LAP solutions.
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