SECURED FUNDING · KEEP YOUR PROPERTY
Unlock your property’s value.
Without selling it.
Pledge your residential or commercial property and access high-value funding for business, education or personal needs with long tenure and minimal paperwork.
9%
Starting rate p.a.
90%
Max. of property value
20 yrs
Tenure up to
*Rates vary by lender and credit profile.
Check Your Eligibility
Share your details - an advisor will call you back.
10,000+
Customers served
20+
4.8
Customer rating
90%
Max. loan-to-value
OVERVIEW
What is a loan against property?
A loan against property (LAP) is a secured loan where you pledge a residential or commercial property as collateral. You get access to a large amount of funding while continuing to own and use your property.
Use it for business expansion, education or personal needs. Networth Advisory compares offers from banks and NBFCs to find the lender that gives you the best loan value, rate and tenure.
01
You pledge your property as collateral
02
Lender evaluates property & profile
03
Loan sanctioned against its value
04
You repay in easy EMIs over the tenure
FEATURES & BENEFITS
High-value funding, long-term comfort
01
High Loan Amount
Borrow up to 90% of your property’s market value, subject to eligibility and lender policy.
02
Flexible Tenure
Repayment tenure of up to 20 years keeps your EMIs comfortable.
03
Competitive Interest Rates
Rates tailored to your profile, from our network of 20+ lenders.
04
High LTV, Compared for You
We compare loan-to-value ratios across lenders to maximise your funding.
05
Balance Transfer
Move an existing LAP to a lender with lower rates or better terms.
06
Simple Process
Minimal documentation, quick approvals and faster disbursals.
PROPERTY TYPES ACCEPTED
What can you pledge?
A wide range of property types is accepted, subject to lender policy and verification.
01
Residential
Independent houses, flats and apartments.
02
Commercial
Malls, shops, complexes, schools, hospitals and more.
03
Industrial
Factories, warehouses and processing units.
04
Land
Non-agricultural plots.
THE PROCESS
Five simple steps to funding
01
Fill the Form
Complete the short online application.
02
Submit Details
Share your business details and requirement.
03
Upload Documents
Upload ID, address, business proof and bank statements.
04
Get Approval
Your profile is matched with the right lender and approved.
05
Receive Funds
Funds are credited to your account no branch visit needed.
ELIGIBILITY & TERMS
Do you qualify?
NATIONALITY
Indian/ NRI
Indian citizen
OWNERSHIP
Property in Your Name
Residential or commercial
CIBIL SCORE
700+
Preferred
INCOME
Stable Income
Regular income proof required
AGE
25 – 65 Yrs
Applicant age
APPLICANT
Salaried / Self-employed
Property owners
Funding at a glance
Interest rate
Starting from 9% p.a.*
Loan amount
Up to 90% of property value
Repayment tenure
Up to 20 years
Collateral
Your property
Rate & limit
depend on
Property value, income & credit
DOCUMENTS
minimal documentation is required. Your Networth advisor will share the exact checklist based on your property and profile.
USE OF FUNDS
One property, many possibilities
CLIENT VOICES
Businesses we have helped
I recently availed a Loan Against Property through Networth Advisory, and the experience was exceptional. The team guided me through every step and offered optimal interest rates that suited my financial needs. I was able to unlock the value of my property without
FAQS
Frequently asked questions
A loan that does not require any collateral. It is granted on the strength of your credit score, financial health and repayment history, and can be used for business expenses and growth.
Self-employed Indian business owners aged 24–65 with at least 3 years of business vintage, a CIBIL score of 685+ and an annual turnover of ₹2 Cr or more.
Yes. Eligible applicants can get funded without pledging any property or asset.
Yes. The entire process form, documents and approval can be completed online without visiting a branch.
Some lenders offer quick approval, and funds generally reach you within a few days of approval, depending on the lender and your documents.
ID proof, address proof, business proof and bank statements.
GET STARTED
next big goal.
Speak to a Networth advisor today no obligation, complete clarity.