Our Loan Against Property Options
Seven ways to unlock funds from property you already own — or finance a new purchase.
LAP — Residential
Raise funds against a residential property you own, for business expansion, education, medical needs, or any large expense.
LAP — Commercial
Leverage a commercial property such as a shop, office, or warehouse to access larger loan amounts at competitive rates.
LAP — Industrial
Financing against industrial land, factories, or manufacturing units to support business growth and working capital needs.
Loan Against Plot
Access funds against a vacant residential or commercial plot without needing to sell it.
NRI Loan Against Property
Property-backed financing designed for Non-Resident Indians, with remote-friendly documentation support.
LAP Balance Transfer
Move your existing loan against property to a better rate, and access additional top-up funds if needed.
Commercial & Industrial Property Purchase
Finance the outright purchase of commercial or industrial property — offices, shops, warehouses, or factory premises — to grow your business.
Dropline Overdraft Facility
For borrowers who don't need to keep the full loan amount in use at all times, a Dropline Overdraft against property offers a flexible credit line: withdraw funds as required and pay interest only on the amount actually utilised, while the sanctioned limit reduces gradually over the tenure.
Who Can Apply
- Owners of residential, commercial, or industrial property with clear title
- Salaried or self-employed, typically 21–65 years
- Property should be free of legal disputes and adequately valued
Documentation Required
- KYC for Individuals: PAN Card, Aadhaar Card, passport-size photographs
- Firm KYC:
- Proprietorship: GST registration, Udyam
- Partnership: GST registration, Udyam, Partnership Deed, Form C (if applicable)
- Company: GST registration, Udyam, COI, MOA, AOA, List of Directors and Shareholders
- Trust: Trust Deed, Trust Registration, List of Trustees
- Income proof (salaried): last 3 months' salary slips, Form 16 (2 years), bank statements (6 months)
- Income proof (self-employed): last 3 years' ITR with computation, Balance Sheet & P&L, Audit Report
- GST returns for last 12 months, PDF bank statements (12 months)
- Property documents: Title deeds, approved building plan, latest property tax receipt, jamabandi or any other relevant property document
- Loan Sheet and Sanction Letter/Schedule/SOA of all running loans
This list is indicative. Additional documents may be requested based on your profile. Your relationship manager will share the final checklist.
EMI Calculator for Loan Against Property
Estimate your monthly EMI, view the full repayment schedule, or download it.
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Total Payment: ₹0
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Note: This is an indicative calculator. Final EMI may vary as per lender policy and applicable charges.
⚠️ Important Regulatory Notice
Fynmate acts as a loan facilitator and does not itself sanction, underwrite or disburse loans. We are not a bank or an NBFC. Loan approval, sanctioned amount, interest rate and terms are entirely at the sole discretion of the lending bank/NBFC, based on their independent credit appraisal of your application.
As per RBI's Key Fact Statement (KFS) requirement, lenders are required to provide a standardised summary disclosing the Annual Percentage Rate (APR) and all applicable charges for retail and MSME loans. Please review the KFS carefully before accepting any loan offer.