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Loan Against Property (LAP)

Leverage your residential or commercial property for large-ticket funding. SV Loans compares LAP offers across leading banks in Guntur, Vijayawada and Hyderabad.

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Loan Against Property is often the most cost-effective way to raise a large amount for business expansion, a child's education, medical needs or debt consolidation — because the property acts as security, keeping interest rates lower than unsecured borrowing. SV Loans works with Bank of Baroda, Indiabulls Housing Finance, IDFC FIRST Bank and other partners to structure LAP against residential or commercial property.

We help you understand exactly how much your property can unlock, and guide the legal and valuation process so there are no surprises mid-way.

Details

Loan Against Property — Benefits, Eligibility & Documents

Key Benefits

  • Large loan amounts based on property value
  • Lower interest rate than personal or business loans
  • Long repayment tenure options
  • Continue using the property while repaying
  • Funds usable for any legitimate purpose

Eligibility

  • Ownership of residential or commercial property with clear title
  • Stable income (salaried or self-employed)
  • Property located in an area serviceable by the lending bank

Documents Required

  • Property documents (title deed, tax receipts, approved plan)
  • Income proof and bank statements
  • PAN and Aadhaar Card
  • Existing loan statements, if any
How It Works

Your Loan Journey, Simplified

1
Share Requirement

Tell us what you need

2
Consultation

Expert reviews your case

3
Documentation

We guide the paperwork

4
Bank Selection

Best-fit lender chosen

5
Loan Processing

We coordinate with bank

6
Approval

Sanction confirmed

7
Disbursement

Funds in your account

FAQs

Loan Against Property — Frequently Asked Questions

Can I get LAP on a rented-out property?
In many cases, yes — rental income can even support your repayment capacity assessment, subject to the specific bank's policy.
What happens if I default on an LAP?
As with any secured loan, the property is at risk if repayments are missed consistently. We only recommend loan amounts your income can comfortably service.

Ready to Apply for a Loan Against Property?

Free consultation. We'll compare your options across 20+ banking partners.

+91 91827 81368 Apply Now