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Loan Against Property | scalexfinance

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ScaleX Finance
Get Started

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Loan Against Property

Unlock the Value of Your Property

Leverage your residential or commercial property to fund business growth, expansion, or personal needs — at rates lower than unsecured loans.

Check Loan Eligibility Talk to an Advisor
Loan Against Property — unlock the value of your property with ScaleX Finance

Loan Amount

₹10 Lakh – ₹10 Cr

Interest Rate

Starting 9.5% p.a.

Tenure

Up to 15 years

LTVLoan-To-Value

Up to 70%

Overview

A Loan Against Property lets you access substantial funds by pledging a property you already own — without selling it. Because it's secured, LAP typically offers lower interest rates and higher loan amounts than unsecured business loans, making it ideal for larger funding needs like business expansion, debt consolidation, or major personal expenses

Family at home — Loan Against Property overview

Types of LAP We Facilitate

Residential Property LAP

Loan against residential properties for eligible personal or business funding requirements.

Commercial Property LAP

Funding against eligible commercial properties for larger business or personal financial needs.

LRD - Lease Rental Discounting

For property owners with rented commercial spaces, financing against future rental income.

Eligibility Criteria

Age

21-65 Years

Stable Income

Salaried or Self Employed

Eligible Property

Residential or Commercial Property

CIBIL Score

650+ preferred

Clear Property Title

Property must be free from litigation

Documents Required

Identity Proof

PAN, Aadhaar, Passport

Income Proof

ITR, computation of income

Existing Loan Statements

Proofs if property is already mortgaged elsewhere.

Property Ownership

Property verification and legal assessment.

Property Documents

Title deed, tax receipts and approved property plan.

Bank Statements

Last 12 months

Interest Rates & Fees

Component Details
Interest
Rate 		9.5% – 14% p.a. Reducing balance basis
Processing
Fee 		Up to 1.5% of loan amount + GST Nil for select partners
Loan
Tenure 		Up to 15 years Nil after 12 EMIs
LTV Up to 70% of property value Nil after lock-in

EMI Calculator

Estimate Your Monthly EMI

Calculate your monthly EMI instantly and understand the repayment amount for your Loan Against Property.

[loan_calculator]

How It Works

How a Loan Against Property works with ScaleX Finance

4 Easy simple steps from application to disbursement

STEP 01

Share Your requirement

Fill the enquiry form or speak with our advisor

STEP 02

Document Collection

Our team collects and verifies your documents digitally

STEP 03

Lender Matching

We shortlist lenders most likely to approve your profile.

STEP 04

Sanction & Disbursal

Once approved, funds are disbursed directly to your account.

Trusted Lending Partners

LAP Loan FAQs

Can I get a LAP on a commercial property?
Yes. Eligible commercial properties can be used as collateral for a Loan Against Property, subject to lender valuation, title, and occupancy norms.
What can I use the loan amount for?
LAP funds can typically be used for business expansion, working capital, debt consolidation, education, medical needs, or other personal expenses — as permitted by the lender.
Will I lose ownership of my property?
No. You retain ownership of the property. It is pledged as security for the loan and is released once the loan is fully repaid.
What happens if I have an existing loan on the same property?
You may still be eligible, depending on residual value and the existing lender’s terms. Top-up or balance-transfer structures can be explored after a fresh valuation.
What types of properties can be used for LAP?
Residential and commercial properties with a clear title are commonly accepted. Self-occupied, rented, and certain non-agricultural properties may qualify based on the lender.
Do I need collateral for a LAP loan?
Yes. The property you pledge is the collateral. That is why LAP typically offers higher amounts and lower rates than unsecured loans.

Let’s Find the Right
Loan Against Property for You

Ready to Find the Loan Against Property For You?

Talk to a ScaleX advisor and explore the right funding option for your needs.

Apply Now
Advisor helping you unlock property value

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