Loan Against Property (LAP) & LTV Engine
Determine your maximum credit line based on property market valuation and institutional Loan-to-Value (LTV) limits across Residential (75%), Commercial (65%), and Industrial (50%) asset classes.
Loan Against Property (Mortgage) Underwriting Standards
Loan Against Property (LAP) offers business promoters and property owners access to long-tenure, high-quantum liquidity at interest rates substantially below unsecured commercial debt. The facility is secured against clear-titled residential, commercial, or industrial real estate. Institutional credit committees determine sanctions based on two independent parameters: the physical valuation audit by approved chartered valuation engineers, and legal chain-of-title verification dating back 30 years.
LTV thresholds reflect underlying collateral liquidity: residential self-occupied properties command up to 75% LTV due to strong resale velocity; commercial shops and office suites command up to 65% LTV; and specialized industrial sheds or factory land are capped at 50% LTV.
Frequently Asked Financial Questions
In a reducing-balance loan, interest is calculated solely on the outstanding principal balance at the end of each month. As you repay, the interest burden drops steadily. In contrast, flat-rate loans calculate interest on the full original principal throughout the entire tenure, effectively doubling the real interest rate.
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