Velixa CapitalVelixa Capital

LAP

Loan against property — long tenure, lower rate, larger limit.

LAP is the most cost-efficient large-ticket business credit available in India today — when structured correctly. We make sure it is.

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A well-structured LAP is the cheapest large-ticket business loan in India. A badly structured one becomes a 15-year EMI you regret.

When LAP wins

  • Large ticket — typically ₹50 L and above
  • Long tenure — 10–15 years for genuine cash flow easing
  • Refinance of costlier unsecured debt
  • Capex with long payback period
  • Business expansion where property is the only lever
  • Education or marriage funding at sub-10% rates

Where LAP files break

  • Weak property valuation vs expected market price
  • Title chain or approvals missing
  • Cash-heavy business profile reducing FOIR fit
  • Wrong lender — pricing or LTV mismatch
  • Property in a sector or locality on the lender's watch-list
  • Co-owner not available for KYC / consent

Velixa positioning

We commission an independent valuation sense-check before approaching the lender, validate the 30-year title chain, and match your ticket + tenure to the lender whose LTV and pricing box actually fits.

FAQ

Common questions

What LTV can I expect on a Loan Against Property?+

Most lenders cap LTV at 60–70% of the valuation report for residential property and 50–60% for commercial or industrial. The final LTV also depends on your income, FOIR and the lender's sector exposure at the time of appraisal.

How long does LAP sanction take?+

Typically 2–4 weeks from file submission to sanction, and another 1–2 weeks for disbursal. The longest pole is usually the legal & valuation chain — a clean 30-year title with all approvals shaves days off.

Can I use LAP to refinance costlier unsecured debt?+

Yes — refinancing high-cost business loans, ODs or personal loans into LAP is one of the most common use cases. The interest rate delta is often 400–700 bps, which compounds into a meaningful monthly EMI saving.

Next step

Get your file reviewed before you apply again.

Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.

  • No CIBIL pull until strategy is agreed
  • No blind portal submissions
  • Review by a senior advisor — not a call-centre agent

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