01
Secured funding
Get higher loan eligibility by mortgaging your residential or commercial property.
Loan Against Property
Unlock your property value and access larger funds for personal and business goals.
Compare top lenders, choose the right tenure for your budget, and complete a simple online application in minutes with CapitalCare.
The process is straightforward: submit your details, upload required property and income documents, and our loan team will guide you through approval and disbursal.
For salaried and self-employed
Higher eligibility with property security
Flexible end use options
Guided documentation support
Online Loan Against Property Features and Benefits
Secured funding with flexible usage and structured eligibility for personal and business goals.
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Flexible usage
Use loan amount for business needs, education, medical support, or debt consolidation.
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Longer tenures
Repayment options are typically spread over longer durations for better affordability.
04
Salaried and self-employed options
Both salaried and self-employed applicants can apply with profile-based documents.
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Structured verification
Property papers and income profile checks are handled in an organized process.
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Competitive pricing
Compare suitable lender options and choose practical interest structures.
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Transparent processing
Know lender-level processing and legal charges before final disbursal.
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Guided documentation
Our team supports document checklist completion from start to finish.
How to Apply for Loan Against Property Easy Approval?
The application journey is simple. Share your details, verify your number, upload documents, and submit for review by our loan team.
Step 01
Click Apply Now and submit personal, income, residence, and loan requirement details.
Step 02
Verify mobile number with OTP and continue the secure flow.
Step 03
Select profile type (self-employed or salaried) and upload the required documents.
Step 04
Submit application; our team checks profile and property papers, then connects for next steps.
Loan Against Property Eligibility and Documents
Review these criteria and documents together before applying to avoid delays during verification.
Eligibility Criteria
Basic checks help lenders evaluate repayment capability and process applications faster.
- Applicant should be at least 18 years old.
- Property ownership documents should be clear and complete.
- Valid applicant and co-applicant KYC documents are required.
- Income profile should support repayment capacity.
- Existing loan obligations must be disclosed if running.
Required Documents
Keep these documents ready to reduce review time and improve approval turnaround.
- Self-employed (Proprietorship): Applicant and co-applicant KYC, residence electricity bill, GST registration certificate, last 2 years financials with CA stamp, last 1 year current account statement, last 1 year GST 3B return, running loan details (if any), office address proof, and property papers with complete chain.
- Salaried: Applicant and co-applicant KYC, residence electricity bill, office I-card, last 3 month salary slip, last 6 month bank statement, last 2 years Form 16, running loan details (if any), and property papers with complete chain.
- Upload format supported: PDF, JPG, JPEG, PNG (maximum 10MB per file).
Loan Against Property Interest Rate and Applicable Charges
Keep these rate and fee components in mind while comparing lenders for better transparency and budgeting.
- Interest Rate: As per lender program and applicant profile
- Processing Fees: Approx. 0.5% to 2.5% of sanctioned amount
- Legal and Technical Valuation: Depends on actuals and lender policy
- Pre-payment / Foreclosure: Depends on lender terms
- Documentation Charges: As applicable
- Penal / Bounce Charges: As per lender schedule
Types of Loan Against Property
Choose the right loan purpose based on your needs and repayment comfort.
LAP for Business Expansion
Unlock property value for commercial growth and scaling.
LAP for Working Capital
Support short-term and medium-term cash flow needs.
LAP for Debt Consolidation
Consolidate higher-cost obligations into a structured loan.
LAP for Education and Medical Needs
Fund major family requirements with secured borrowing.
LAP for Professional Needs
Useful for professionals requiring larger ticket funding.
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