A Loan Against Property (LAP) is a secured loan where you pledge your residential, commercial, or industrial property as collateral to avail a large credit facility. Since the loan is backed by the value of your property, it offers significantly lower interest rates compared to unsecured loans, higher loan amounts, and longer repayment tenures — making it ideal for business expansion, working capital, or personal financial needs.
Residential Property
Mortgage your home, apartment, or residential plot to unlock large funds while continuing to use the property.
Commercial Property
Office spaces, shops, warehouses, and commercial plots — all eligible for LAP with higher loan-to-value ratios.
Industrial Property
Factory buildings, industrial plots, and manufacturing units can be mortgaged for substantial business funding.
Up to 70% LTV
Get up to 60–70% of your property's market value as loan — unlocking significant capital from idle assets.
Long Tenure
Repayment tenures up to 15–20 years with competitive interest rates starting from 8.5% p.a.
Overdraft Facility
Some lenders offer LAP as an overdraft (OD) — pay interest only on the amount used, not the full limit.
- Business expansion — new branch, factory, or production line
- Working capital requirements for large orders and seasonal demands
- Debt consolidation — replace multiple high-interest loans with one affordable LAP
- Purchase of machinery, equipment, or technology upgradation
- Real estate investment — purchase of additional commercial property
- Education, medical emergencies, or marriage expenses (personal LAP)
- Speculative investments or activities prohibited by RBI guidelines
Property Valuation & Eligibility
C&S Consultancy assesses your property's market value and determines the eligible loan amount.
Lender Selection
We compare offers from 15+ banks and NBFCs to find the best interest rate, LTV, and terms for your profile.
Application & Legal Verification
Documents are compiled and the bank initiates legal and technical due diligence on the property.
Sanction & Mortgage Creation
Post sanction, property mortgage is registered at the Sub-Registrar office. We coordinate the entire process.
Disbursement
Funds are credited to your account. We assist with EMI setup, insurance linkage, and ongoing compliance.
⚡ C&S Consultancy's LAP Expertise
- We negotiate maximum LTV (Loan-to-Value) from lenders — get more from your property
- Compare 15+ banks and NBFCs — some offer LAP at just 8.5–9.5% p.a.
- We coordinate property legal verification to avoid documentation delays
- Overdraft (OD) facility arrangement — pay interest only when you use funds
- Free pre-sanction assessment — know your eligible amount before applying