FINANCE POINT | SINCE 1998

Loan Against Property

Explore Funding Against Your Property

Need finance for business expansion, working capital or another permitted requirement? Finance Point helps you explore a loan against property (LAP) through banks and NBFCs.

Since 1998, we have supported customers with transparent guidance, documentation assistance and application coordination.

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ELIGIBLE ASSETS

Property Loan Options

Depending on lender acceptance, we assist with enquiries secured against various property categories:

Residential Properties

Unlock high-value funding against self-occupied or rented residential houses, villas, and flats.

Commercial Properties

Leverage your commercial shops, offices, and showrooms for operational or growth capital.

Industrial Properties

Explore loan options backed by eligible industrial plots, factories, and operational units.

Other Property Categories

Assistance for other lender-accepted real estate categories based on legal and technical evaluation.

Balance Transfer & Top-Up Facilities

We also help customers explore LAP balance transfers and top-ups on eligible existing loans to reduce interest costs or gain additional capital.

END USE

What Can the Loan Be Used For?

Loan Against Property provides flexible multi-purpose funding to support various permitted requirements, including:

Business growth and expansion
Machinery and equipment purchases
Working capital and operational cash flow
Higher education expenses
Debt consolidation or other lender-permitted purposes

*We help you review the proposed repayment structure alongside your existing financial commitments.

TERMS & CRITERIA

Eligibility and Loan Terms

Lenders assess your income, credit history, existing obligations, and overall repayment capacity. The property must also pass the lender’s ownership, legal, and technical checks.

Available amount depends on property valuation and lender limits
Interest rate and tenure vary by applicant profile and product
Cases involving village, non-MC, or non-standard property documentation can be reviewed individually to explore available options

CHECKLIST

Documents Required for LAP

Common document requirements for Loan Against Property applications include:

PAN and applicable KYC documents
Recent bank statements
Salary records or business income documents
Income tax returns and financial statements, as required

Property title and ownership records
Building plans and permissions, where required
Existing loan statements for transfer or top-up enquiries

OUR ADVANTAGE

Why Choose Finance Point?

Decades of Experience

Serving clients since 1998 with trusted, practical loan consultancy guidance.

Personalised Guidance

Tailored financial advice considering your business cash flow, income profile, and property structure.

Documentation & Follow-Up

Complete application coordination, document preparation assistance, and proactive lender follow-up.

Regional Expertise

Local office serving property owners across Kharar, Mohali, Chandigarh, Zirakpur, and Panchkula.

GOT QUESTIONS?

Frequently Asked Questions

Possibly. All relevant property owners may need to participate in the loan application as co-applicants and execute security documentation.

Balance transfer or additional funding (top-up) options may be available, depending on your outstanding borrowing, repayment track record, and current eligibility.

No. In addition to property collateral, lenders evaluate your repayment capacity, income stability, credit history, and the property's legal and technical acceptability.

TAKE THE NEXT STEP

Discuss Your Property Loan Requirement

Speak with our experienced loan consultants today to explore competitive Loan Against Property options across Kharar, Mohali, and Chandigarh.

Call: +91 99141-28390 +91 99148-28390

Visit: SCO 82-C, City Heart Complex, Kharar, SAS Nagar, Mohali, Punjab

Enquire About LAP Request a Callback

Disclaimer: Finance Point is a loan consultancy and DSA. Approval and terms are decided by the lender. No advance consultancy fee is charged by Finance Point; applicable consultancy fees and lender charges will be explained before proceeding.