Shree Balaji Finance
Loan Against Property
Unlock the value of your property to meet large financial needs at low interest rates with long repayment tenure.
Loan Against Property at a Glance
- Loan Amount₹5 Lakh – ₹5 Crore
- Interest RateStarting from 9.5% p.a.
- Loan TenureUp to 15 Years
- LTV RatioUp to 60–70% of Value
- Property TypeResidential / Commercial
- Approval TimeWithin 72–96 Hours
About Loan Against Property
Use Your Property as Leverage for Big Financial Goals
Shree Balaji Finance offers Loan Against Property (LAP) to help you meet large financial requirements by pledging your residential or commercial property as collateral. Whether it is business expansion, higher education, medical treatment, or debt consolidation — LAP gives you access to substantial funds at lower interest rates than unsecured loans.
Since the loan is secured against your property, you continue to own and use it throughout the loan tenure. Our team ensures a smooth, transparent process from valuation to disbursal, with flexible repayment options tailored to your financial situation.
Why Choose Our Loan Against Property?
High Loan Amount
Borrow up to 60–70% of your property's market value — access substantial funds for large financial needs.
Low Interest Rates
Secured nature of the loan means significantly lower interest rates compared to personal or business loans.
Long Repayment Tenure
Repay comfortably over a tenure of up to 15 years, keeping your monthly EMI affordable.
Continue Using Property
You retain full ownership and use of your property throughout the entire loan tenure.
Minimal Documentation
Straightforward paperwork with expert guidance at every step to make the process hassle-free.
Quick Processing
Fast property valuation and loan processing so you get funds when you need them most.
Use Cases
What Can You Use a Loan Against Property For?
Business Expansion
Fund large-scale business growth, new branches, or capital investments using your property's equity.
Higher Education
Finance your child's higher education abroad or at a premium institution without liquidating savings.
Medical Treatment
Cover high-cost medical procedures, hospitalisation, or long-term treatment expenses without stress.
Debt Consolidation
Merge multiple high-interest loans into one affordable LAP with a single, manageable EMI.
Home Renovation
Undertake major home improvement or construction projects using the equity in your existing property.
Wedding or Events
Fund large family events, weddings, or celebrations without depleting your savings or investments.
Eligibility
Who Can Apply?
- Salaried individuals with a stable monthly income
- Self-employed professionals, businesspersons, and firms
- Age between 21 to 65 years at the time of loan maturity
- Clear and marketable title of the property being pledged
- Property located in an approved area with valid documentation
- Good credit score (CIBIL 650 and above preferred)
Documents Required
Keep These Ready
- Identity Proof – Aadhaar Card / PAN Card / Passport / Voter ID
- Address Proof – Aadhaar Card / Utility Bill / Rent Agreement
- Income Proof – Last 3 months salary slips or ITR for 2 years
- Bank Statement – Last 12 months
- Property Documents – Sale deed, title deed, approved building plan, NOC
- Property Valuation Report – From an approved valuer
Ready to Apply for a Loan Against Property?
Talk to our experts today and unlock the full potential of your property.