Higher amounts
Secured structure can support larger loan sizes than unsecured products.
Loan Against Property (LAP)
Put the value of your property to work, responsibly.
Orvanta is a financial solutions and loan facilitation platform. We are not a bank, NBFC or lender, and we do not sanction or disburse loans. Loans are offered by our banking and financial institution partners, subject to their eligibility criteria, credit assessment and policies.
- Loan amount range
- ₹5 Lakh – ₹10 Crore
- Indicative interest range
- 9% – 18% p.a.
- Varies by lender, profile and credit history. Illustrative placeholder values.
- Repayment tenure
- 3 to 15 years
Amount, rate and tenure figures are editable placeholders (src/data/pricing.ts).
Overview
About Loan Against Property
A Loan Against Property is a secured loan where you mortgage a residential, commercial or (in some cases) industrial property you own. Because it is secured, lenders may offer larger amounts and longer tenures than unsecured loans.
The amount depends on the property’s market value, its title and location, and your repayment capacity. Lenders carry out legal and technical verification of the property before sanction.
Who can apply
- Property owners, whether salaried, self-employed or business owners
- Applicants with clear and marketable property title
- Borrowers with adequate repayment capacity as assessed by the lender
Eligibility
Eligibility at a glance
Criteria vary by lender. This is a general guide, not a commitment.
Salaried applicants
- Stable employment and income that supports EMI servicing
- Clear title on the property being offered
- Satisfactory credit history
Self-employed applicants
- Business or professional vintage per lender norms
- Income shown through ITR, bank statements and financials
- Clear title on the property being offered
Documentation
Basic documents you may need
Exact requirements are set by the lender. Share documents only through secure channels. Never send them over social media or unverified links.
Salaried
- Identity and address proof (as per KYC norms, shared securely with the lender)
- Latest 3 months’ salary slips
- Latest 6 months’ salary-account bank statement
- Employment proof / Form 16 where applicable
- Property title documents and chain of ownership
- Latest property tax receipts / encumbrance certificate
Self-employed
- Identity and address proof (as per KYC norms, shared securely with the lender)
- Latest 2–3 years’ ITR with computation of income
- Latest 12 months’ bank statements
- Business proof (registration / GST / Udyam / shop licence)
- Property title documents and chain of ownership
- Latest property tax receipts / encumbrance certificate
Key benefits
Why consider a Loan Against Property
Longer tenure
Longer repayment periods can keep EMIs more manageable.
Versatile use
Business needs, education, medical costs or debt consolidation, per lender policy.
Often lower pricing than unsecured
Secured loans are generally priced lower than unsecured loans, but this varies.
Application process
A clear, step-by-step process
You always know what happens next, and who decides what.
- 1
Share your enquiry
Fill the short form or call us. No PAN, Aadhaar or OTP is needed at this stage.
- 2
Profile discussion
A financial expert understands your requirement, income, obligations and timelines.
- 3
Options from partners
We shortlist suitable products from our banking and financial institution partners based on your profile and their policies.
- 4
Documentation
You share documents securely with the lender as they request. We help keep the file complete and organised.
- 5
Lender assessment & sanction
The lender evaluates your application and decides on approval, pricing and terms. We keep you informed.
Calculator
Check your indicative eligibility
An illustrative estimate using the details you enter. Nothing is sent to us.
Your indicative result appears here
Enter your monthly income and the amount you need.
Indicative estimate
- Indicative interest rate range
- -
- Estimated EMI
- -
- Indicative eligibility
- -
Documents usually required
Next steps
- Speak to a financial expert to validate these assumptions.
- We shortlist suitable partner lenders based on your profile.
- You share documents securely with the lender, who decides on sanction.
Indicative only. Not an offer or assurance of approval. Final eligibility, pricing and sanction are determined by the lending institution.
FAQs
Loan Against Property: Frequently asked questions
How much loan can I get against my property?
Lenders usually lend a percentage of the property’s assessed market value (loan-to-value) and also cap the amount by your repayment capacity. The final amount is the lender’s decision.
Can I keep using my property?
Generally yes. You continue to own and use it, while the lender holds a charge on it until the loan is repaid. Terms vary, so please check the sanction documents.
Is approval of a loan against property guaranteed?
No. Approval, amount, interest rate and tenure are decided only by the lending institution after assessing your credit profile, income, obligations and its own policies. We help you identify suitable options but cannot assure an outcome.
Do I need to share PAN, Aadhaar or OTPs on this website?
No. Our enquiry form does not collect them, and we will never ask for OTPs, passwords or card/UPI PINs. KYC documents are shared directly and securely with the lender when you proceed.
Are you a bank or NBFC?
No. We are a financial solutions and loan facilitation platform that works with banking and financial institution partners. Loans are sanctioned and disbursed by the lender.
Apply now
Loan Against Property enquiry
Share your requirement and a financial expert will get in touch. This is an enquiry, not a loan application.
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Learn moreYour Financial Goals Deserve the Right Guidance.
Tell us what you are planning. A financial expert will understand your needs, explain your options clearly and help you take the next step with confidence.
No PAN, Aadhaar or OTP is required to enquire. An enquiry does not guarantee approval of any product.