Property Advisory
Property funding advisory — unlock capital from property you already own.
LAP, Lease Rental Discounting and structured debt against residential, commercial or industrial property. Lower cost than unsecured borrowing, longer tenure, predictable EMI.
Funding structures we facilitate
Loan Against Property (LAP)
Term loan against residential, commercial or industrial property — 7–15 year tenure, 50–70% LTV.
Lease Rental Discounting (LRD)
Loan against rental income of a leased property — rent services the EMI directly.
LAP + Overdraft
Hybrid structure: term loan plus a drop-line overdraft for working-capital flexibility.
Top-up on existing LAP
Additional funding on a property already mortgaged — at the same lender or via balance transfer.
NRI / OCI property funding
FEMA-compliant funding against Indian property for NRIs, with repatriation planning.
Structured debt
For complex transactions — mezzanine, senior-junior structures via NBFC partners.
Indicative rate ranges (subject to lender)
- Residential LAP: 9.00%*–13.00%* p.a.
- Commercial LAP: 9.50%*–14.00%* p.a.
- Industrial LAP: 10.00%*–14.50%* p.a.
- Lease Rental Discounting: 8.50%*–11.50%* p.a.
- Tenure: 5–18 years (LAP), 10–15 years (LRD)
- LTV: 50–70% of market value (varies by property type)
- Processing fee: 0.5%–1.5% + GST (lender discretion)
- Foreclosure: nil on floating-rate retail loans (RBI mandate)
What we check before approaching lenders
FAQ
Common questions
How much funding can I raise against my property?+
Typically 50–70% of the property's market value (residential: 60–70%, commercial: 50–60%, industrial: 50–55%). The exact LTV depends on property type, location, age, legal title clarity and your repayment capacity. We commission an independent valuation if needed before approaching lenders.
What's the difference between LAP and Lease Rental Discounting?+
LAP is a term loan against property you own — EMI-based, 7–15 years, end-use flexible. LRD is a loan against the rental income of a leased property — the rent services the EMI directly, 10–15 year tenure, tenant covenant is critical. We help choose based on whether you have a tenant and how you want cash flow to work.
How fast can a property-backed loan be disbursed?+
Indicative sanction in 7–15 working days post document submission; disbursal typically 15–30 days once valuation, legal and technical checks are complete. Slower than unsecured loans, but significantly cheaper — and structured tenure means lower monthly EMI pressure.
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
Explore further
Continue your funding readiness journey
Funding Readiness Assessment
Score your business against the 6 pillars lenders actually evaluate.
Why Loan Applications Get Rejected
The 8 silent killers behind approval failures — and how to fix each.
Tax Planning for Loan Eligibility
How ITR & GST decisions today decide your borrowing capacity tomorrow.
Business Loan vs LAP
Which structure actually fits your cash flow, risk and tenure.
Credit Profile Improvement
From low CIBIL or rejection to a fundable file — the structured way.