Loan against Property

Daily Capital

What is a Loan against Property?

A Loan Against Property (LAP) in the Indian financial context refers to a type of secured loan where individuals can pledge their owned residential or commercial property as collateral to avail funds from a financial institution or bank. The loan amount sanctioned is usually a percentage of the property’s market value, and the interest rates are generally lower compared to unsecured loans. This form of financing allows property owners to unlock the value of their real estate assets to meet diverse financial needs such as business expansion, education expenses, or other significant expenditures. Borrowers should be mindful that failure to repay the loan may result in the forfeiture of the pledged property. Overall, a Loan Against Property serves as a strategic financial tool for leveraging property ownership to access substantial funds for various purposes.


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Loan Against Property Features

Flexible Loan Eligibility

Flexible Loan Eligibility

Loans value from Rs.10 Lakh to Rs. 5 Crore

Loans value from Rs.10 Lakh to Rs. 5 Crore

Loans against commercial, residential or industrial property

Loans against commercial, residential or industrial property

Loan for your business as well as personal needs

Loan for your business as well as personal needs

Empower Your Financial Future

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Benefits of Our Loan Against Property

aily Capital understands the diverse financial needs of our customers and is committed to providing flexible and advantageous solutions. Our Loan Against Property (LAP) product is tailored to empower individuals with the financial freedom they seek. Here are the key benefits of availing a Loan Against Property from Daily Capital:

  1. Competitive Interest Rates: Daily Capital offers attractive and competitive interest rates on Loan Against Property, ensuring that borrowers can access funds at affordable rates, making it a cost-effective financing option.

  2. Higher Loan Amounts: With Loan Against Property, borrowers can leverage the market value of their property to secure higher loan amounts. This feature makes it an ideal choice for those who require substantial funds for various purposes such as business expansion, education, or medical expenses.

  3. Flexible Repayment Tenure: Daily Capital provides a flexible repayment tenure, allowing borrowers to choose a duration that suits their financial situation. This flexibility ensures that repayment is manageable and aligns with the borrower’s ability to pay back the loan comfortably.

  4. Multipurpose Usage: The funds obtained through a Loan Against Property can be utilized for a wide range of purposes, including business expansion, debt consolidation, education, medical expenses, and more. Daily Capital recognizes that financial needs vary, and our LAP product is designed to meet diverse requirements.

  5. Quick and Hassle-Free Processing: Daily Capital understands the urgency of financial requirements. Our streamlined and efficient loan processing ensures quick approval and disbursement of funds, providing customers with timely access to the resources they need.

  6. No Prepayment Charges: Borrowers can enjoy the flexibility of repaying the loan before the stipulated tenure without incurring any prepayment charges. This feature enables customers to save on interest costs and take control of their financial planning.

  7. Easy Application Process: Daily Capital has simplified the loan application process, making it user-friendly and accessible. Our dedicated team is ready to assist customers at every step, ensuring a smooth and hassle-free experience.

  8. Transparent Terms and Conditions: Transparency is paramount at Daily Capital. Our Loan Against Property comes with clear and transparent terms and conditions, ensuring that borrowers are well-informed and confident in their financial decisions.

  9. Expert Guidance: Daily Capital’s team of financial experts is available to provide personalized guidance and support throughout the loan application process. We are committed to helping customers make informed decisions that align with their financial goals.

  10. Credit Score Improvement: Timely repayment of the Loan Against Property can contribute to improving the borrower’s credit score. This, in turn, enhances their creditworthiness for future financial transactions.

Daily Capital’s Loan Against Property is a reliable and versatile financial solution that empowers individuals to unlock the true potential of their assets. With competitive rates, flexible terms, and a commitment to customer satisfaction, we strive to be your trusted partner in financial growth.

Eligibility Criteria for Loan against Property

At Daily Capital, we offer Loan Against Property (LAP) services to individuals seeking financial assistance. To ensure a transparent and efficient lending process, we have established clear eligibility criteria. Before applying for a Loan Against Property, please review the following requirements:

  1. Age Criteria:

    • Applicants should be between 21 and 65 years of age at the time of loan application.
    • The maximum age at the time of loan maturity should not exceed 70 years.
  2. Property Ownership:

    • The applicant must be the legal owner of the property offered as collateral for the loan.
    • Co-applicants can include immediate family members, such as parents or spouses.
  3. Property Type:

    • Acceptable property types for collateral include residential, commercial, or industrial properties.
    • The property should be free from any legal disputes or encumbrances.
  4. Property Valuation:

    • The loan amount is determined based on the market value of the property.
    • The property valuation will be conducted by an approved appraiser appointed by Daily Capital.
  5. Income Stability:

    • Applicants must demonstrate a stable source of income to ensure timely repayment.
    • Salaried individuals should provide proof of employment and income, such as salary slips and income tax returns.
    • Self-employed individuals must submit audited financial statements, income tax returns, and business continuity proof.
  6. Credit History:

    • A satisfactory credit score is essential for loan approval.
    • Applicants with a good credit history are more likely to qualify for favorable terms and conditions.
  7. Loan Amount and Tenure:

    • The loan amount and tenure are subject to the value of the property and the applicant’s repayment capacity.
    • The loan tenure typically ranges from 5 to 15 years.
  8. Legal and Technical Clearance:

    • The property should have clear legal titles, and all necessary approvals and clearances should be obtained.
    • Technical evaluation of the property will be conducted to assess its condition and feasibility.
  9. Documentation:

    • Applicants need to submit all required documents accurately and promptly.
    • Common documents include KYC documents, property papers, income proof, and bank statements.
  10. Loan Purpose:

    • The loan amount can be utilized for personal or business needs, but it should align with the purpose disclosed during the application.

Meeting these eligibility criteria enhances the chances of approval for a Loan Against Property at Daily Capital. Applicants are encouraged to carefully read the terms and conditions and seek clarification on any queries before proceeding with the application process.

Documents Required to Apply for Loan Against Property

  1. Proof of identity/residence
  2. Proof of income
  3. Property-related documents
  4. Proof of Business (for self-employed)
  5. Account statement for the last 6 months


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