Loan Against Property
Need money for your business, education, or personal expenses? With Early Grow’s Loan Against Property (LAP), you can use your home or commercial property to get a high-value loan at low interest rates. We make the process quick, simple, and hassle-free, so you can focus on your goals without financial stress.
Why Choose Early Grow’s Loan Against Property?
- High Loan Amount – Get up to 70% of your property’s market value.
- Competitive Interest Rates – Lower EMIs to keep your monthly budget stress-free.
- Flexible Repayment Tenure – Up to 20 years to repay comfortably.
- Quick Disbursal – Fast processing and disbursal with minimal paperwork.
- Use for Any Purpose – No end-use restrictions—business, education, wedding, or debt consolidation.
Benefits of Loan Against Property
- Leverage Existing Assets – Access funds without selling your property.
- Long Tenure, Lower EMIs – Flexible repayment terms for easy financial planning.
- Lower Interest Compared to Personal Loans – Secured loans mean better rates.
- Minimal Documentation – Easy process with fewer hassles.
- Balance Transfer Option – Switch your existing LAP to Early Grow for better terms.
Eligibility Criteria
To apply for a Loan Against Property with Early Grow, you should:
- Be a salaried or self-employed individual.
- Be aged 21–65 years.
- Own a residential, commercial, or industrial property in your name.
- Have a stable income and good credit history.
Documents Required
Here’s what you’ll need to apply:
- Identity Proof – Aadhaar, PAN, Passport.
- Address Proof – Utility bill, Aadhaar, Passport.
- Income Proof – Salary slips, ITR, bank statements.
- Property Documents – Title deed, ownership papers.
- Business Proof – For self-employed individuals.
Types of Loan Against Property We Offer
- Residential Property Loan – Secure funds using your self-occupied, rented, or vacant property.
- Commercial Property Loan – Unlock capital with your office, shop, or other commercial assets.
- Loan Transfer – Switch your existing LAP to Early Grow for lower interest rates.
Loan Against Property Process
Applying is quick and easy:
- Apply Online – Fill a simple form on our website or talk to our experts.
- Document Collection & Verification – We collect and verify your documents.
- Property Valuation – Our experts assess your property’s market value.
- Loan Approval – Get approval within a few working days.
- Disbursal – Receive funds directly in your account.
Apply Now and Grow Confidently
Turn your property into a powerful financial tool with Early Grow. Our Loan Against Property helps you fund your dreams without disrupting your financial stability.
👉 Apply Now or speak to our loan advisor to know how much you can borrow! Book Your Free Call Now.
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Frequently Asked Questions (FAQs)
What is a Loan Against Property?
A Loan Against Property (LAP) lets you borrow money by using your home, office, or any real estate as security. You don’t have to sell your property—you just use it to get a loan while still owning it.
How much loan can I get?
You can get up to 70-80% of your property’s market value. The exact amount depends on factors like your income, property type, and the lender’s policies.
What can I use the loan for?
You can use the money for almost anything—business growth, medical expenses, education, home renovation, or even debt consolidation. However, it can’t be used for speculation or illegal activities.
Who is eligible for a Loan Against Property?
If you are a salaried employee, business owner, or self-employed professional, you can apply. Your eligibility depends on your income, credit score, and property value.
What documents do I need to apply?
- Identity & Address Proof: Aadhaar, PAN card, or passport.
- Income Proof: Salary slips, bank statements, or ITR.
- Property Papers: Ownership documents, tax receipts, etc.
How long can I take to repay the loan?
Most lenders offer a loan tenure of 5 to 15 years, so you can choose a repayment period that suits your budget.
What interest rate will I get?
Interest rates depend on your credit profile, loan amount, and lender’s terms. Generally, secured loans like LAP have lower interest rates than personal loans.
Are there any extra charges?
Yes, lenders may charge a processing fee, legal charges, and foreclosure charges if you repay the loan early. Always check the full fee structure before applying.
Can I repay or close the loan early?
Yes! Most lenders allow prepayment or foreclosure, but some may charge a small fee. It’s best to confirm with your lender beforehand.
What type of properties can I use for the loan?
You can use residential, commercial, and industrial properties as collateral. The property should be fully constructed, freehold, and have clear ownership documents.
