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Capital Corp > Loan Against Property

Loan Against Property

Features and Benefits

Capital Corp, as a trusted bank channel partner, offers Loan Against Property (LAP) solutions that help you unlock the value of your existing assets without selling them. You can mortgage your residential, commercial, or industrial property and access funds for various purposes such as business expansion, working capital needs, education expenses, marriage, medical requirements, or consolidation of existing debts.

Through our partner banks, we facilitate access to high-value loans based on the market value of your property, with flexible repayment tenures of up to 15 years. Since LAP is a secured loan, interest rates are typically more economical than unsecured borrowing options, making it a cost-effective financing choice.

As your banking intermediary, we provide end-to-end support, including doorstep service, faster coordination with banks, and continuous follow-ups, ensuring a smooth and hassle-free funding experience.

Application Process

Applying for a Loan Against Property through Capital Corp is simple, structured, and transparent.

Our dedicated advisors begin by understanding your financial needs and the type of property you wish to mortgage. Based on this, we recommend suitable loan options from our partner banks and assist you with preparing the required documentation.

The bank then conducts a professional property valuation and performs legal verification to ensure clear ownership and regulatory compliance. Once approved, you will receive a formal sanction letter detailing the loan amount, interest rate, and repayment tenure.

After you accept the terms and sign the loan agreement, the loan amount is disbursed directly to your bank account by the lender. Throughout the process, Capital Corp acts as your single point of contact, keeping you informed at every stage.

View Detailed Documentation Required

Frequently Asked Questions

  • A Loan Against Property is a secured loan where you mortgage your residential, commercial, or industrial property to borrow funds for personal or business needs while retaining ownership and usage of the property.

  • Salaried individuals, self-employed professionals, business owners, and NRIs can apply for LAP, subject to income stability, credit profile, and property eligibility.

  • You can use LAP funds for: • Business expansion • Working capital • Education expenses • Wedding expenses • Medical emergencies • Debt consolidation • Investment needs • Home renovation or extension

  • Yes. You continue to own and use your property. The bank only holds a legal charge over it as collateral until the loan is fully repaid.

  • Typically, approval takes 7–15 working days, depending on documentation, property valuation, and legal verification by the bank.