Investkraft's Streamlined Loan Against Property (LAP)

Use Your Property as a Mortgage to Avail a Loan


Competitive interest rates


Flexible loan terms


High loan amount based on property valuation


Transparent process with minimal loan processing fees

Apply for Loan Against Property

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What is a Loan Against Property?

A loan against property (LAP) is a kind of secured loan and can be availed by both salaried individuals and businessmen having a residential or commercial property in their name. A Loan Against Property can be availed at a lower interest rate in comparison to a personal loan or business loan. In addition, its disbursal is quite quick and easy in today’s fast-paced world.

Both salaried employees and business owners can seek to benefit from Loan Against Property. Self-employed people can utilize this service if they require funds to expand their business. Salaried individuals can use the service for raising funds if they come across an unexpected medical exigency that may need expensive surgery or extensive treatment, or if they need to send their children to a foreign educational institution for higher education.

A LAP not only safeguards one's monetary possession but also offers low-cost EMIs with flexible payback terms. The repayment condition is lessened by easy interest rates on these loans.

A loan secured by property, such as a built-in residential or commercial property, is given in exchange for collateral. Your lender will assess your property before deciding if you qualify for and how much money you may borrow. The sum will be determined by the current fair market value, not by the previous worth or prospective future value. Typically, housing financing businesses contribute between 50% and 60% of a property's market worth. You should thus evaluate the loan-to-value (LTV) ratio that your lender has supplied.

Eligibility and Documentation

A loan against property is a secured loan in which you provide the bank or lender with your property as collateral in exchange for a loan. That is just the amount of money you can raise for your real estate, to put it simply. Every owned piece of land, whether it is utilized for residential, commercial, or specialized enterprises, is regarded by Investkraft as collateral for a loan against property.

Each financial institution or lender has a unique set of requirements for approving a loan secured by real estate. The LAP eligibility requirements that Investkraft has in place are listed below.

Eligibility Criteria

For Salaried Person:
  • The age should be minimum 21 years or above at the time of loan application but below 65 years at the time of loan retirement.
  • Their proof of income is above INR 1.8 LPA. They also need to furnish profits of the past two years of business and a record of the business of at least three years.

For Self Employed Individuals:
  • The applicant should possess a graduate degree if the applicant is engaged in a private limited company or a partnership. This won’t be needed if he or she works in a public limited company.
  • The person should have a monthly income of more than INR 40,000 per month and he must be working for the last 2-3 years.
  • The applicant should be at least 18 years or above at the time of application but under 60 years at loan retirement
  • Sanction of the loan is at the discretion of the lender

Required Documents

For Salaried People
  • Latest salary slips
  • Bank account statements of the previous 3 months
  • PAN card/ Form 60 of all applicants
  • ID proof
  • Address proof
  • Document of the property to be mortgaged
  • IT returns
  • Title documents

For Self-employed Individuals
  • Primary bank account statements of the previous 6 months
  • PAN card/ Form 60 of all loan applications
  • Address proof
  • ID proof
  • Income documents like ITR/ financial statements, etc.
  • Documents of the property to be mortgaged
  • Title documents

Interest Rate & Charges

A person can get funds through a Loan Against Property or mortgage, which considers the property as an asset.

Nevertheless, in addition to paying the principle and interest rate in full at the time of repayment, the borrower could also have to pay other expenses. These extra expenses often cover the services rendered by your lender, the loan's contract violation, fines, or agreement fees.

The interest rate for a Loan Against Property at Investkfraft starts at 9.00% per annum.

Mortgage loans are offered by Investkraft at enticing interest rates that are among the lowest in India.

Interest rates for loans against property are determined by the borrower's financial profile in addition to their job status. Mortgage loan interest rates are determined by factors such as your credit score, ability to repay, and financial history.

Features and Benefits

There are numerous benefits and features of availing a Loan Against Property by Investkraft like:

  • Higher loan Amount – Rest assured about getting a higher loan amount against your property as compared to other lenders.
  • Feasible interest rates – Our interest rates on a Loan against Property (LAP) are extremely competitive which means lesser burden on you.
  • Fast disbursal – Due to our steadfast loan approval procedure, expect to get the approved loan amount in not more than 72 hours.
  • Digital application – Now apply for a Loan Against Property anytime, anywhere with our 100% digital loan application process.
  • No foreclosure penalty - Individual borrowers who choose variable interest rates have the option to partially or fully payback their loans without incurring additional fees or penalties.

Monthly EMI

₹ 8,676

Loan amount


Rate of interest (p.a)

1 %

Loan tenure

1 Years
30 Years

Different Types of Loan Against Property (LAP)

Choose a LAP That is Suitable for You

Invest in your future with a property mortgage loan solution that adapts to your needs. Explore your eligibility for Investkraft's Loan Against Property today!


Make Your Property Work For You

Apply for Investkraft's Loan Against Property in 3 Easy Steps

Here is an easy way to secure a personal loan against a lying property.

Get Started

1Check Eligibility

Use our LAP Eligibility Calculator to Check Your Eligibility.


2 Submit the Docs

Next, Submit the Required Documents Online and Click Submit


3 Submit Application

Verify the Submitted Information and Click on Submit for Further Processing.


Leverage Your Property's Power for Your Financial Goals

Apply for a loan against property with Investkraft today!


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Frequently asked questions

To avail of a Loan Against Property, the title of the property should be clear, litigation free, and should not have any running loan or mortgage.

Our Loan Against Property comes with numerous benefits:

  • Easy repayment terms
  • Tax savings
  • Attractive interest rates
  • Fast approval

Collaterals can include privately owned homes, commercial real estate (offices, stores, etc.), and alternative property (hotels, industrial property, residential plots, schools, and hospitals).

We work with you to ensure you have the finances you desire, whether you need them to satisfy personal obligations or to build your business. These are a few applications for loans secured by property:

  • Individual needs
  • Arrange working capital
  • Investments in property renovation
  • Asset purchase
  • Debt consolidation
  • Foreclosure buyout
  • Self-financed property refinancing

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