Fast Approval | Loan Against Property | Compare Multiple Banks

Unlock Funds Against Your Property With Multiple Bank Options

Option Credits Services Pvt Ltd Helps You Check Loan Against Property (LAP) Options From Leading Banks And NBFCs. We Walk You Through The Steps Clearly So You Know What To Expect.

  • Loan Amount Based On Property Value
  • Flexible Repayment Options
  • Simple Paperwork
  • Compare Offers From Different Banks
  • Service Available Across Kerala
  • Support With Legal & Property Verification
Loan Against Property
15,000+
Loans Approved

Why Choose Option

Multi Bank Comparison

No Need To Visit Different Banks Yourself. We Check The Options And Help You See What May Work Better.

Loan Amount Clarity

The Amount Depends On Your Property Value, Income, And CIBIL Score. We Give You A Clear Idea Before You Move Ahead.

Support For Different Needs

The Loan Can Be Used For Business Needs, Personal Expenses, Clearing Dues, Or Other Requirements.

Clear Process Support

We Guide You On Documents, Valuation, And Bank Steps So There Are No Last-Minute Surprises.

Better Rate Options

You Can Look At More Than One Offer And Decide What Feels Comfortable.

Eligibility

Planning to mortgage your property? Here’s what most banks usually look at.

Basic Requirements

  • Age: 21 To 65 Years
  • CIBIL Score: 700+ Is Generally Preferred
  • Residential Or Commercial Property In Your Name
  • Salaried Or Self-Employed With Regular Income

Profiles That Are Considered

  • Business Owners
  • Self-Employed Professionals
  • Applicants With Rental Income
  • Case-Based Bank Programs
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Loan Options Under Loan Against Property Loan

Options Depend On Property Value & Lender Approval

Loan Against Property

Mortgage Your Property And Access Funds Based On Eligibility.

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Balance Transfer

Shift Your Existing Loan If Better Terms Are Available.

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Top-Up

Already Running A Loan Against Property? Extra Funds May Be Checked Based On Eligibility.

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Documents Required

Documents may vary based on lender and profile

General Documents (For All Applicants)

  • PAN Card
  • Aadhaar Card
  • Income Proof (Salary Slips For Salaried, ITR For Self-Employed)
  • Last 6 Months Bank Statement

Property-Related Documents

  • Property Title Deed
  • Encumbrance Certificate
  • Property Tax Receipts
  • Valuation Report (If Available)

Key Points

  • Unlock Property Value: Get A High-Ticket Loan By Leveraging Your Residential, Commercial, Or Industrial Property.
  • Lower Interest Rate
  • High Loan Amount
  • Funding Up To 70% To 80%
*(Note: Requirements May Vary By Lender; Additional Items Like Legal Opinions Or NOC Could Apply. Approvals Are Subject To Bank/NBFC Terms.)

Feel Free To Use Our EMI Calculator

Monthly Payment (EMI)
₹12,674
Total Interest
₹1,08,362
Total Amount
₹6,08,362
Loan Against Property

Eligibility Checker

Loan Against Property FAQ Section

Option Credits Services Compares Loan Against Property Loan Offers From Multiple Banks And NBFCs, Helping You Get The Best Rate And Terms Based On Your Property Value And Financial Profile. We Handle The Application, Document Support, And Follow-Up Through To Disbursal.

A Loan Against Property Loan, Also Known As A Loan Against Property (LAP), Is A Secured Loan Where You Pledge Your Residential Or Commercial Property As Collateral To Get Funds For Personal, Business, Or Any Other Financial Purpose.

Salaried Employees, Self-Employed Professionals, And Business Owners Who Own Residential Or Commercial Property Are Eligible To Apply. A Good CIBIL Score And A Stable Income Are Generally Required By Most Lenders.

Generally Required Documents Include PAN Card, Aadhaar Card, Income Proof, Bank Statements, Property Deed, Encumbrance Certificate, And Property Tax Receipts. Our Team Will Help You Confirm The Exact List Based On The Lender And Your Profile.

Most Lenders Offer 50%–75% Of The Property's Market Value As A Loan. The Exact Amount Depends On Your CIBIL Score, Income, Property Type, And The Lender's Loan-To-Value (LTV) Policy.

Mortgage Loan Approval Typically Takes 7–15 Working Days After Submission Of All Documents And Property Verification. Our Team Follows Up Closely To Ensure A Smoother And Faster Process.

Unlock Your Property Value Today

Our financial advisors are ready to help you find the best loan against property. No obligation, completely free consultation.

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Compliance Disclaimer: Option Credits Services Pvt Ltd is a loan and financial product facilitation company and not a bank or lending institution. Loan approvals, interest rates, funding limits, credit card approvals, and terms are subject to respective bank/NBFC policies and RBI guidelines.