Right Loan. Right Terms. Real Support.


Unlock the Value of Your Residential or Commercial Property

A Loan Against Property (LAP) allows you to leverage the value of your owned residential or commercial property to access substantial funding at comparatively lower interest rates. At Loanzkart, we provide structured and transparent LAP solutions designed for individuals, professionals, HNIs, and business owners who need large funds without selling their valuable assets.

Whether the requirement is for business expansion, debt consolidation, education, medical needs, or personal financial planning, a Loan Against Property offers a cost-effective borrowing option with longer repayment tenures and manageable EMIs. Our expert advisory ensures you get the maximum eligible funding with clear terms and minimal hassle.

Benefits

Key Benefits of Loans Against Property from Loanzkart

  • Higher Loan Amounts – LAP enables access to significant funding, typically up to 50–70% of the property’s market value.
  • Lower Interest Rates – Compared to unsecured loans, LAP offers more affordable interest rates due to property collateral.
  • Longer Repayment Tenure – Extended tenures help reduce EMI pressure and improve cash flow management.
  • Flexible End-Use – Funds can be used for business needs, personal expenses, education, or debt consolidation, subject to lender policies.
  • Better Financial Planning – LAP allows you to unlock property value without liquidating long-term assets.

Why Choose Loanzkart for Loans Against Property?

Accurate Property Valuation Support

We assist in ensuring fair property valuation to help maximize eligible loan amounts.

Multi-Lender Options

Our partnerships with banks and NBFCs allow you to compare rates and choose the most suitable lender.

End-to-End Coordination

From application to property verification and disbursement, we manage the entire process smoothly.

Transparent Advisory

We clearly explain interest rates, LTV ratios, legal charges, and repayment terms upfront.

Faster Processing

Our structured approach reduces delays in approvals and documentation.

What Properties Are Accepted?

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Residential Properties

Self-occupied or rented flats, villas, and independent houses with clear title.

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Commercial Properties

Offices, shops, and commercial units located in approved areas.

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Mixed-Use Properties

Certain lenders accept mixed-use properties based on location and documentation.

When Should You Consider a Balance Transfer?

Interest Rates Have Dropped

If market rates are lower than what you are currently paying, switching lenders can be beneficial.

Improved Credit Profile

A better credit score since your original loan approval may help you qualify for better terms.

Long Loan Tenure Remaining

The earlier you transfer in your loan cycle, the higher the potential savings.

Unsatisfactory Lender Service

If your current lender lacks transparency or responsiveness, a switch can improve your experience.

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How we works

How the Process Works

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01
Collect Documentation

We review property documents, income proof, and existing loan details.

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02
Verification

The lender conducts legal checks, technical valuation, and financial verification.

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03
Loan Approval

A sanction letter is issued with the approved amount, tenure, and interest rate.

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04
Disbursement

After mortgage registration, funds are disbursed to your account.


Our Trusted Lending Partners

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Frequently Asked Questions (FAQs)

Typically, lenders offer up to 50–70% of the property’s market value, depending on location and profile.

Yes. Subject to eligibility, you may apply for a top-up or balance transfer-based LAP.

Tenures generally range up to 15–20 years, depending on borrower age and lender policies.

Yes. Self-employed professionals and business owners are commonly eligible for LAP.

No. The property is only mortgaged as security; ownership remains with you.