Loan Against Property (LAP)
Unlock the hidden equity in your real estate assets. Leverage your commercial, residential, or industrial properties to secure high-value capital with competitive interest rates and flexible tenures up to 15 years.
- High sanction limits up to 70% of property market value
- Lowest interest rates starting at 9.00% p.a.
- Repayment terms up to 180 months (15 Years)
High Sanction Limits
Secure funding ranging from ₹20 Lakhs to over ₹50 Crores, depending on the commercial value, layout approvals, and clear titles of your real estate asset.
Long Term Repayments
Access flexible tenures stretching up to 15 years. Lower EMIs mean minimal stress on your business cash flows and operational reserves.
Refinance & Top-up
Transfer your existing high-cost commercial mortgage or home loan to top banks with lower interest rates and get additional top-up funds for expansion.
Unlock the Value of Your Property Assets
A Loan Against Property (LAP) is a secured mortgage product that permits business owners and individuals to tap into the market value of their real estate. Instead of seeking high-interest unsecured loans, you leverage residential, commercial, or industrial land/buildings as security.
At Crestpoint Venture, we handhold you through property valuation, legal searches, layout checks, and direct integration with top Indian banks & NBFCs to secure the lowest possible rates, processing fees, and valuation margins.
Accepted Collateral Types:
- Commercial Properties: Retail shops, corporate office complexes, warehouses, or commercial land.
- Residential Properties: Self-occupied or rented residential homes, flats, or residential plots.
- Industrial Properties: Registered manufacturing plants, industrial plots, or factory sheds.
Required Documents Checklist
Your Loan Disbursal Journey
Our experienced mortgage advisors manage everything from initial valuation checks to final escrow disbursal.
Instant Eligibility check
Submit your details online. We run a quick check of your financial statements, credit rating, and property eligibility.
Property Audit
Government-registered property evaluators perform technical measurement and verify legal titles & tax records.
Multi-Bank Offers
We present your file to top banks/NBFCs to negotiate the lowest ROI, processing fees, and top-up limits.
Disbursal to Account
Receive your sanction letter, sign the agreement, and get the loan amount credited directly into your bank account.
Frequently Asked Questions
We accept a wide range of properties as collateral, including residential properties (self-occupied or rented flats, independent villas, or bungalows), commercial properties (office units, retail shops, warehouses, or commercial buildings), and industrial properties (registered factory sheds, industrial land, or manufacturing units). All properties must have a clear title and be free from litigation.
Typically, lenders offer up to 60% to 70% of the fair market valuation for residential property. For commercial property, the loan amount usually ranges between 50% and 60% of the market valuation, and for industrial land, it is generally around 40% to 50% depending on the location and usability of the site.
Yes. If the property is co-owned, all co-owners must join the loan application as co-applicants. This is a mandatory legal requirement for all commercial mortgage products in India to ensure clean legal title execution.
A Home Loan is taken strictly to purchase a new residential property or construct a house, where the property being bought acts as security. A Loan Against Property (LAP) allows you to mortgage an existing property that you already own to unlock cash for any personal or business purpose, like expansion, machinery purchase, or working capital.
Absolutely. Crestpoint specializes in debt refinancing. We help you transfer your high-cost mortgage loan to top lenders with interest rates starting at 9.00%, along with an additional top-up loan option to meet your growing capital needs.
Get an Eligibility Assessment
Our senior mortgage specialists will evaluate your property value, match it against major bank criteria, and calculate your maximum borrowing limit. Speak to our advisors today for a zero-cost consultation.
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