Loan Against Property (LAP) in Ahmedabad & Gujarat
Raise funds by mortgaging your residential or commercial property, while you continue to own it.
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Tell us what you need for loan against property and our team will help you.
What is Loan Against Property?
A Loan Against Property (LAP) lets you borrow a large amount by mortgaging your residential or commercial property. You continue to use and own the property while repaying the loan, and the funds can be used for business, education, medical or other major needs.
Because it is secured against property, LAP usually offers a higher loan amount and lower interest rate than unsecured loans, with a longer tenure. The amount depends on the property value and your repayment capacity.
Plan ahead with our free calculator.
Features & Benefits of Loan Against Property
High Loan Amount
Borrow a large sum against your property value.
Lower Rates
Secured nature keeps rates lower than unsecured loans.
Long Tenure
Repay comfortably over a longer period.
Retain Ownership
Continue using and owning your property.
Flexible End-Use
Use funds for business, education, medical and more.
Residential or Commercial
Mortgage either type of eligible property.
Who Should Consider Loan Against Property?
Business Owners
For expansion or working capital.
Self-Employed
Those with property but needing large funds.
Salaried Individuals
For big-ticket personal needs.
Property Owners
Anyone wanting to unlock property value.
Types & Options of Loan Against Property
LAP – Residential
Against a residential property you own.
LAP – Commercial
Against a commercial property.
LAP Overdraft
A flexible drawdown facility against property.
General Eligibility
- You own a clear-title residential or commercial property.
- Stable income – salaried or self-employed – for repayment.
- Good credit history improves eligibility and terms.
- Property valuation and legal checks by the lender.
Documents Usually Required
- Identity and address proof (Aadhaar, PAN)
- Income proof (salary slips / ITR / bank statements)
- Property title documents and approvals
- Employment or business proof
Requirements may vary depending on the insurer, lender, investment provider or product.
Getting Started is Simple
Step 1
Choose the Loan
Tell us the loan type and amount you are looking for.
Step 2
Submit Your Enquiry
Share your details through the enquiry form on this page.
Step 3
Explore Available Options
We help you compare offers from associated lenders.
Step 4
Apply with Assistance
Complete your application and documents with our help.
Why Choose WealthDigit?
Multiple Product Options
Explore products from our associated companies and providers.
Simple Enquiry Process
A quick, easy enquiry – no complicated paperwork to get started.
Personal Assistance
Real people to guide you and answer your questions.
Support from Enquiry to Application
Help at every step, from choosing to applying.
Associated Companies & Providers
Products offered through our associated companies and partners.
Lending Companies We Associate With
We help you explore options from associated banks and lending partners, subject to their policies, approval and eligibility criteria.
Brand names and logos are the property of their respective owners and are shown for identification purposes only. Product availability is subject to eligibility and the respective provider’s terms.
Loan Against Property – Frequently Asked Questions
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Learn MoreLooking for the Right Loan Against Property?
Tell us what you need and our team will help you explore available options.
Disclaimer: Loan approval, interest rates, fees and eligibility are subject to the respective lender’s policies and approval criteria.