Loan Against Property (LAP) – Unlock the Value of Your Property
Unlock the Value of Your Property with Quick, Flexible Loan Solutions
At Credential Real Estate Services Pvt Ltd., we specialize in helping you unlock the full potential of your property through our Loan Against Property (LAP) service. Whether you need funds for personal expenses, business needs, or even the purchase of a new property, LAP offers a flexible and convenient solution. As a trusted Direct Selling Agent (DSA) for multiple leading banks, we ensure you get quick access to funds with the most competitive interest rates. With over 2,000 successful LAP arranged, we guarantee a seamless experience from application to disbursement.
What We Offer:
- Ensuring Maximum Loan Amount
We negotiate higher Loan-to-Value (LTV) and Fixed Obligation to Income Ratio (FOIR) to ensure that you secure the maximum loan amount possible, giving you the funds you need.
- Right Lender Match
By assessing your financial profile and loan requirements, we connect you with the right lender to ensure you get a solution that suits your needs and circumstances.
- Lowest Interest Rates
Our wide network of lenders, coupled with a zero-delinquency portfolio, allows us to offer you the most competitive interest rates available in the market.
- Fastest Loan Approval & Disbursement
We prioritize speed, ensuring your loan is approved and disbursed as quickly as possible, giving you the funds when you need them most.
About LAP:
- Loan Against Property (LAP) is a secured loan where you can mortgage your residential, commercial, or industrial property to raise funds. The property forms the collateral security, and the loan can be used for various purposes, such as business expansion, debt consolidation, medical expenses, or education.
- While the ownership of the property remains with the Loanee, LAP offers competitive interest rates vis-à-vis Personal Loans and flexible repayment tenors.
- Quantum of loan is dependent on the value of the property mortgaged.
- LAP can be used for personal needs such as higher education, medical emergencies and Wedding expenses, etc, as well as for business purposes.
- Tax deductions can be claimed u/s 37(1) of the Income Tax Act, 1961 on interest payments.
