Home Loans Loan Against Property
Secured Mortgage Capital

Unlock High-Value Liquidity Pledged Against Residential or Commercial Property

Leverage the true market value of your property to secure high-ticket funds for business expansion or personal milestones at interest rates significantly lower than personal loans.

9.00% Starting Interest Rate
Up to 75% Funding on Market Value
Up to 15 Yrs Repayment Tenures
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Loan Against Property
Up to 75% Property Value Lowest Mortgage Rates | Up to 15 Yrs
Monetize Property Value While Retaining 100% Ownership & Occupancy

Residential & Commercial LAP

Drastically Lower Rates Than Unsecured Debt

Why Finora Advisory

Monetize Property Value While Retaining 100% Ownership & Occupancy

Your real estate assets represent substantial locked net worth. With Finora’s Loan Against Property advisory, you retain complete physical possession and ownership rights while accessing low-interest capital.

Substantially Lower Rates

Mortgage rates start from 9.00%, offering massive savings compared to personal loans.

High Ticket Sizes

Unlock sanctions from ₹25 Lakhs up to ₹50 Crores against commercial and residential titles.

Continued Ownership

You continue residing in or renting out your property without disruption.

Extended Repayment Tenures

Tenures up to 15 years keep monthly EMIs extremely manageable.

Portfolio & Offerings

Tailored Solutions Under Loan Against Property

Explore curated categories customized to your exact borrowing and financial requirements, backed by multi-lender benchmarking and lowest interest rate guarantees.

Residential Property LAP
Flats & Independent Houses

Residential Property LAP

Pledge self-occupied or rented residential homes to fund business expansion, children higher education, or weddings.

  • Up to 75% market value sanction
  • Tenures up to 15 years for low EMIs
  • Flexible overdraft hybrid models available
Lowest Mortgage APR Apply Now
Commercial Property LAP
Offices & Showrooms

Commercial Property LAP

Unlock business liquidity against commercial offices, industrial plots, warehouses, and retail retail spaces.

  • Funding up to 70% of commercial value
  • Ticket sizes up to ₹50 Crores
  • Minimal operational covenants from lenders
High Corporate Value Apply Now
LAP Overdraft Facility (Drop-Line)
Flexible Working Capital

LAP Overdraft Facility (Drop-Line)

A flexible overdraft line secured against your property where interest is calculated strictly on daily utilized balances.

  • Draw and repay funds as business dictates
  • Zero interest charged on unutilized limits
  • Annual interest reset benefits
Pay On Drawn Sum Apply Now
Seamless Workflow

How We Deliver Results

A structured, hassle-free progression from initial eligibility assessment to rapid sanction and disbursal.

Step 01

Technical Property Valuation

Approved bank empaneled valuers assess current fair market value.

Property Valuation
Step 02

Legal Title Verification

Advocate search report verifies 13 to 30 years clear non-encumbered title.

Title Search (30 Yrs)
Step 03

Credit Appraisal

Evaluating borrower cash flow and repayment debt-to-income capacity.

Credit Appraisal
Step 04

Sanction & Disbursement

Mortgage registered, original title deeds deposited, and loan funds released.

Sanction & Disbursal
Documentation Verification
100% Confidential Rapid Verification

Need Profile Guidance?

Our desk evaluates your papers confidentially.

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Standard Checklist

Required Documentation

Digital Upload Available
  • Complete Property Chain of Title Deeds (13 to 30 Years) with NEC
  • Approved Municipal Building Plan & Occupancy Certificate (OC)
  • Latest Property Tax Receipts & Electricity Bill
  • PAN Card, Aadhaar Card & Current Address Proof
  • Last 6 Months Bank Statement & 3 Years Audited ITR with Computation
Specific criteria may vary by lender partner, ticket size, and applicant profile.
Got Questions?

Frequently Asked Questions

Yes. You can sell your property by requesting a foreclosure statement from the lender. The buyer’s payment directly clears your outstanding loan, releasing the original title deeds.
Significantly. While personal loans range between 11% to 18%, a Loan Against Property standardly ranges from 9.00% to 10.50% because tangible real estate secures the loan.
Yes, provided the property has been legally partitioned, registered, and mutated in your name with clear title search documentation.
Your original title documents remain securely locked in the bank’s fire-proof custody vault until full loan clearance.
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