Loan Against Property

Online LAP Application

Convert your dream home into reality

Get Home loan in just 15 days of application

with lower interest rate at 8.20% p.a.

From Nationalised banks and Private Banks and NBFCs


How to Get LAP loan ?

VSURE CFO helps you to get easy business loan approval from different banks and NBFC at lower interest rates with flexible tenure. So if you are looking for having unsecured business loan for your business marketing and daily routine expenses. You can get apply through us.

What are the properties which can be used as LAP ?

Any of the commercial or personal properties can be used as collateral security against Loan against property. The property must contain the value of the loan requested by the borrowed and based on all the formal procedures, the loan will be sanctioned.

What are the documents required for the LAP ?

The documents required for LAP are an application form, photograph, identity proof, address proof, income statements, bank statements, and processing fee.  For the self-employed people, the additional required documents are proof of business, income tax returns and financial statements as directed.

Who can avail LAP ?

Any of the residents of India who works for an organization or is self-employed can avail for a LAP. However, he has to own the property used as collateral. He may also sign up a co-applicant and the person can be a close relative, partnership firm or even a private limited company.

Is this loan a secured or an unsecured loan ?

The loan by the term has secured written all over it. The loan here can be availed based on security and cannot be availed in and unsecured form. The security here has to be the property as the loan is against a property which is to be owned by the borrower.

What is the general purpose of availing of the loan ?

The purpose of availing the loan depends upon the borrower. The borrower may apply for the loan based on personal requirements or may even choose to apply for the loan based on the commercial requirements. Either of the cases are acceptable.

What is the maximum period of this loan ?

The loan availed under this type of loan also comprises of big amounts and hence, the tenure to repay the amount extends too based on the installments the person is required to make. However, the loan period doesn’t exceed more than 15 years.

What is the repayment procedure ?

The repayment procedure for LAP is generally EMI. Upon the agreement of the amount applied for and the rate of interest followed by the tenure of application, an EMI will be calculated which needs to be paid duly on monthly basis.

Can commercial properties be use as LAP ?

Yes, an individual availing for a LAP may choose a commercial property as collateral as much as any of the residential property. The loan applies to even a plot of land owned by the borrower and the loan will be granted based on the land.

Is insurance generally essential for the property used in the LAP ?

Yes, the banks generally require you to ensure the property against any of the natural calamities or fire for the tenure the loan is availed. If the insurance is not done, the bank may get it insured and later charge the said amount from you.

Is foreclose allowed ?

Yes, pre-paying the amount is completely acceptable by the banks and also, they are required to not charge any foreclosure fees on the borrower as issues by the RBI guidelines. RBI has issues directive to commercial banks to not charge any fees.

Get resolve your query for your business loan application

You can send your query with contact details relevant to below subject :

  1. How to get business loan for your startup company ?
  2. How you can grow your business with your business loan ?
  3. Why business loan is nowhere hurdle in your business ?

Send us below documents for Business loan application

Sr. No.Documents Of PromotersDocuments & Details In Respect Of Company
Proof of Identity

Scanned Copy of Any One Of Below               

    • Voter id 
    • Aadhar Card
    • Passport
    • Driving Licence


  • Business Name 
  • Nature of Goods & Services 
Proof of Address

Scanned Copy of Any One Of Below

  • Promoters Bank account statement /passbook copy
  • Telephone bill copy
  • Electricity bill copy
  • Water bill copy

Scanned Copy of Any One Of Below

  • Registered Office Rent Agreement
  • Registered office ownership deed if owned
  • Electricity bill/Telephone bill/Water bill copy
  • NOC from Landlord 

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