Loan Against Property
Home >> Products >> Loan Against Property
₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Convert Property Value Into Funding Opportunities
Aadhya Financial Consultancy helps individuals, professionals, and businesses unlock funding solutions against residential and commercial properties through a strong network of banks and NBFCs across India. Backed by deep financial expertise, we help clients secure suitable funding structures, optimise capital savings wherever possible, and manage the complete process from consultation and documentation to final disbursement.
Loan Against Property Eligibility
Loan Against Property solutions are available for salaried individuals, self-employed professionals, business owners, companies, LLPs, and partnerships with residential or commercial property ownership. Aadhya Financial Consultancy helps assess your financial profile, property strength, and eligibility to identify suitable funding solutions with smooth processing and complete end-to-end support.
Age
Applicants should typically be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Individuals – Stable monthly income preferred
- Self-Employed Individuals – Consistent business income and financial track record
Employment
- Salaried: Minimum 2–3 years work experience
- Self-Employed: Minimum 3 years of business continuity
Types of Loan Against Property
LAP for Salaried Individuals
Funding solutions for salaried individuals who own residential or commercial property and require access to structured financial support. We help clients secure suitable funding structures with simplified processing, documentation support, and repayment planning aligned with their income profile.
LAP for Self-Employed & Business Owners
Designed for self-employed professionals, entrepreneurs, proprietors, and business owners looking for funding support for business growth, working capital, expansion, or investment opportunities. Our team helps structure the right funding solution based on financial strength, business profile, and property value.
LAP for Business Entities
Structured property-backed funding solutions for companies, LLPs, and partnerships using owned residential or commercial properties. Through strong banking relationships and strategic financial structuring, we help businesses secure suitable funding solutions with complete execution support from documentation to final disbursement.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ||
| 3 | Election /Voters identification card | ✔ | ✔ | |
| 4 | Job card issued by NREGA | ✔ | ||
| 5 | Letter issued by the National Population Register | ✔ | ||
| 6 | Proof of possession of Aadhaar Number | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months’ Salary Slips | |||
| Last 6 months’ Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months’ Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
Documents Required for Loan Against Property
Documentation requirements vary based on applicant profile, property type, and funding structure. Our team provides complete assistance with document preparation, profile assessment, and lender coordination to ensure a smooth and well-structured application process. From verification and documentation to sanction and final disbursement, Aadhya Financial Consultancy manages the complete journey with end-to-end support.
Loan Against Property Calculator
Use our LAP Eligibility Calculator to understand the estimated funding eligibility available against your property. Simply enter your property details, financial profile, and existing obligations to gain better clarity on your funding potential and repayment planning before beginning the formal application process.
Discover The Funding Potential Of Your Property.
Connect with Aadhya Financial Consultancy for a free consultation and personalised funding guidance. Our team helps assess your profile and property, identify suitable funding solutions, optimise capital savings wherever possible, and manage the complete process with smooth end-to-end support.
