Loan Against Property
Monetize Your Fixed Assets.
Goodfind Wealth’s Loan Against Property (LAP) allows you to unlock the dormant value of your residential or commercial real estate to fund your most ambitious business or personal milestones.
Business Expansion
Inject large-scale working capital into your enterprise using your property as a strategic financial lever.
Debt Consolidation
Replace multiple high-interest short-term loans with a single, low-cost long-term property-backed credit line.
High-Value Costs
Perfect for funding international education, multi-specialty medical treatments, or grand-scale life events.
The Strategic Edge
Unlike personal loans, LAP offers significantly lower interest rates and extended tenures, ensuring your business cash flow remains unburdened while you grow.
Strategic LAP Advantages
Higher Loan Quantum
Access funding from ₹25 Lakhs up to ₹25 Crores, depending on the market value of your property and income capacity.
Versatile Collateral
We accept a wide range of properties including self-occupied homes, rented out apartments, shops, and industrial sheds.
Extended Tenures
Enjoy the comfort of long-term repayment schedules up to 15-20 years, making your monthly EMIs highly affordable.
Lower Interest Rates
Benefit from secured-category pricing, which is substantially lower than any unsecured personal or business loan.
Overdraft Option
Avail the loan as a Dropline Overdraft (DOD), where you pay interest only on the amount you actually utilize.
Continuous Asset Use
While the property is pledged, you continue to occupy and use your home or office for your business operations as usual.
Property & Profile Merit
Eligible Entities
- ✔ Salaried Employees (MNC/Govt/Pvt Ltd)
- ✔ Self-Employed Professionals (Doctors/CAs)
- ✔ Sole Proprietors & Partnership Firms
- ✔ Private Limited Companies
- ✔ Minimum Age: 25 Years at Sanction
Property Criteria
- ✔ Residential: Flats, Villas, Bungalows
- ✔ Commercial: Offices, Showrooms, Shops
- ✔ Industrial: Factory Outlets (Select locations)
- ✔ Clean Title: Chain docs for last 30 years
- ✔ Approval: Map approved by local authority
Collateral & KYC Checklist
Income Credentials
3 years ITR with financials, 6 months bank statements, and salary slips (if applicable).
Property Ownership
Registered Sale Deed, Lease Deed, and the original Parent Documents of the property.
Statutory Approvals
Approved Building Plan, Occupation Certificate (OC), and latest Property Tax receipts.
Company KYC
PAN, GST Certificate, Partnership Deed/MOA, and List of Directors/Partners.
Leverage Calculator
Estimate your liquidity based on property value and tenure.
ESTIMATED MONTHLY EMI
₹ 52,211
Total Interest₹ 43,97,980
Total Repayment₹ 93,97,980
LAP Pricing Structure
| Component | Pricing Schedule |
|---|---|
| Rate of Interest | 9.25% to 14.50% (Reducing Balance) |
| Processing Fee | 0.5% to 1.5% of the Sanctioned Amount |
| Technical & Legal Fee | Actuals (based on property location) |
| Foreclosure Charges | NIL for Individual Borrowers (Floating Rate) |
| Part-payment Facility | Available after 6-12 months of clear track |
Expert Insights
What is LTV?
LTV (Loan-to-Value) is the percentage of property value we can lend. Usually, it ranges from 50% to 70% for LAP.
Can I pledge a rented property?
Yes, we consider Lease Rental Discounting (LRD) where your future rent acts as the primary repayment source.
Is co-applicant mandatory?
All owners of the property must be co-applicants. Adding an earning co-applicant can increase your loan amount.
