Loan Against Property
A Loan Against Property (LAP) allows customers to borrow money by pledging their residential, commercial, or industrial property as collateral. ✔ Lower interest than personal loans ✔ Higher loan amount eligibility ✔ Longer repayment tenure ✔ Can be used for business or personal needs
Overview
| ✔ Lower interest than personal loans | ✔ Longer repayment tenure |
| ✔ Higher loan amount eligibility | ✔ Can be used for business or personal needs |
| ✔ Quick approval | ✔ Upto 20 years Tenure |
Detailed Information
✔ Lower interest than personal loans
✔ Higher loan amount eligibility
✔ Longer repayment tenure
✔ Can be used for business or personal needs
✔ Loan amount: ₹5 lakh to ₹10+ crore
✔ Loan eligibility: up to 60%–75% of property value
✔ Tenure: up to 15–20 years
✔ Interest rate: 9% – 14%
✔ Balance transfer & top-up options available
Features & Benefits
Why this product is right for you
High approval rates
Fast disbursement
Loan amount: ₹5 lakh to ₹10+ crore
Loan eligibility: up to 60%–75% of property value
Tenure: up to 15–20 years & Interest rate: 9% – 14%
Balance transfer & top-up options available
Eligibility Criteria
Check if you qualify:
| 🏢 Eligible Properties | ✔ Self-occupied residential property ✔ Rented residential property ✔ Commercial property (shops, offices) ✔ Industrial property (selected lenders) |
| 👤 Eligibility Criteria | Stable job & income Property ownership proof Good credit history |
| Self-Employed / Business Owners | Business vintage 2+ years Income proof & bank statements Property ownership documents |
Why Choose Udhar Capital?
High approval rates
Fast disbursement
Debt consolidation
Working capital needs
Business expansion
Documents Required
Keep these documents ready to ensure a smooth and fast loan approval process.
Fees & Charges
| Interest rate: 9% – 14% (varies by bank & profile) | Not Fixed |
Partner Banks
Trusted institutions powering our approvals and disbursals.
Built For Growth, Trust, and Speed
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Easy On-boarding
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Multiple Products
Wide product basket to match every customer profile.
Instant Approvals
Faster decisioning pipeline for better conversion.
Prompt Payouts
Reliable and transparent payout tracking system.
Secure Data
Strong security and compliance-led data handling.
Unified Dashboard
Single view of leads, status, payouts, and insights.
Rewards & Loyalty
Growth-linked incentives and lifetime partner value.
Excellent Customer Support
Dedicated assistance from onboarding to disbursal.
Training Programs
Skill-building sessions to improve quality and output.
Different Forms of Loan Repayments
Choose the repayment style that fits your cash flow.
Tenure: 15 to 20 years (varies by bank & profile)
Not Fixed (its depend on varies bank & profile)