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Loan Against Property to fulfil your dreams

Loan against property or LAP is a mortgage or secured loan availed after pledging a property as collateral. The interest rate starts from 9% p.a. You can avail of LAP up to 80% of property value for maximum of 15 years.
Personal Loan

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Eligibility Criteria for LAP

Minimum Age

25 – 65 years

Employment

Salaried / Self-employed

Minimum Income

₹25,000/month

Credit Score

700+

Check Eligibility

Documents Required for LAP

Aadhaar
PAN Card
Income Proof
Bank Statement
Photograph
Property Papers

Features & Benefits

Instant Approval

Quick loan approval within minutes

Flexible Tenure

Choose repayment duration that suits you

Low Interest

Competitive interest rates to save money

No Collateral

Get unsecured loans without pledging assets

Step-by-Step Process

Apply

Fill the application form online

Upload Docs

Submit Aadhaar, PAN & other documents

Verification

Documents & eligibility are verified

Approval

Loan is approved instantly

Disbursal

Funds are transferred to your account

Why Choose Us

High Range of Loan Products

Personal Loans

Business Loans

Home Loans

Loan Against Property

Working Capital

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Some Important FAQ's

Common Frequently Asked Questions

A: OwnPaisa offers a range of loans including Personal Loan, Business Loan, Home Loan, and Used Car Loan to cater to different financial needs.

A: Basic documents include Aadhaar card, PAN card, address proof, income proof (salary slip or bank statements), and photographs. Specific loan types may require additional documents.

A: Loan approvals typically take 24 to 72 hours after document submission, depending on the loan type and document verification process.

A: Loan amounts typically range from ₹50,000 to ₹50 Lakhs depending on the loan category, eligibility, income, and credit score.

A: You can use the OwnPaisa EMI Calculator available on our website. Enter loan amount, interest rate, and tenure to get an estimate of your monthly EMI.

A: Yes, you can prepay or foreclose your loan. However, some loans may have minimal foreclosure charges depending on the lender's policy.
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Tilak Nagar, Delhi

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