Loan Against Property

Secured financing against eligible residential, commercial or industrial property.

Overview

Overview Types Eligibility Documents FAQ

Unlock the Value of Your Property

A Loan Against Property lets you leverage an owned residential, commercial or industrial property to raise funds for business expansion, education, medical needs or other large expenses — typically at more competitive rates than unsecured loans.

FINCON CAPITAL helps assess your property's eligibility, coordinates valuation and documentation, and manages the application process with our lending partners.

Loan amount is determined by property valuation and lender policy (loan-to-value ratio), not guaranteed by FINCON CAPITAL.

Calculate LAP EMI

Types

LAP Categories

Residential Property

Commercial Property

Industrial Property

Eligible Land / Property

LAP Balance Transfer

LAP Top-Up

Eligibility (Indicative)

General Eligibility Guidance

Clear, marketable title to the property being pledged.
Stable income to service the loan (salaried, self-employed or business).
Satisfactory property valuation and legal/technical due diligence.
Satisfactory credit history.

Documents

Typically Required

Property Title & Ownership Documents

Identity & Address Proof

Income Proof / ITR / Business Financials

Bank Statements

Full Document Guide

FAQ

LAP Questions

Generally yes — LAP funds can be used for business, education, medical or other personal needs, subject to lender policy (some restrict use for speculative purposes).

Primarily the property's market valuation and the lender's loan-to-value policy, combined with your income and repayment capacity.

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Related Financing

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Loan & financing products are subject to lender eligibility, documentation and approval. FINCON CAPITAL does not guarantee sanction, interest rate or disbursement. Read full disclaimer