Loan against property — unlock its value, keep the ownership
A loan against property (LAP) lets you raise funds against your residential, commercial or industrial property while you continue to own it. Biz Corp Solutions helps individuals, professionals and business owners secure LAP for business expansion, working capital, debt consolidation, education, medical needs and other requirements.
- Against
- Residential, commercial & industrial
- Ownership
- Stays with you
- Lenders
- Banks, NBFCs & FIs
- Support
- End-to-end
What we offer
Unlock the value of your residential, commercial, or industrial property to meet your personal or business financial requirements.
Our Loan Against Property solutions provide substantial funding while allowing you to retain ownership of your property.
Ideal for
- Business Expansion
- Working Capital Requirements
- Debt Consolidation
- Education Expenses
- Medical Emergencies
- Personal Financial Needs
Benefits
- Higher loan amounts
- Competitive interest rates
- Flexible repayment options
- Quick processing
- End-to-end loan support
From enquiry to disbursement
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01
Share your requirement
Tell us about the property, the amount you need and its purpose.
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02
Eligibility and options
We assess eligibility based on your income and the property, and compare options from suitable lenders.
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03
Application and documents
We prepare and submit the application, help with property and income documents and keep you updated.
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04
Valuation, sanction and disbursement
The lender values the property, sanctions the loan and disburses it as per the agreed terms.
Documents you will typically need
LAP lenders check your income and the property's title and value. These are the documents most applications need, and we help you put them together.
- Identity and address proof (PAN, Aadhaar)
- Income proof — salary slips or ITRs and financials
- Bank statements for recent months
- Property title documents and previous chain of agreements
- Approved building plan and occupancy certificate, where applicable
- Latest property tax receipts and society NOC, where applicable
- Statements of any existing loans
Note: the exact list, loan amount and loan-to-value ratio are decided by each lender.
See the full document checklist: Loan against property document checklist
Loan against property questions
What is a loan against property?
It is a secured loan where you pledge a residential, commercial or industrial property you own to raise funds, while retaining ownership of the property.
What can a loan against property be used for?
Business expansion, working capital requirements, debt consolidation, education expenses, medical emergencies and other personal financial needs.
Which properties can be used?
Residential, commercial or industrial property, subject to the lender's assessment of title and value.
Do I keep ownership of my property?
Yes. The property is mortgaged to the lender as security, but you continue to own and, in most cases, use it.
Why apply through Biz Corp Solutions?
We compare options across multiple lenders, help with documentation and keep you updated on your file from submission to approval.
Who decides the interest rate and loan amount?
The lender, based on its assessment of your income, credit profile and the property's value.
Read before you apply
Loan against property in Thane and Badlapur: which properties qualify?
Which properties in Thane and Badlapur qualify for a loan against property: title, OC, society NOC, 7/12, NA rules, MIDC/CIDCO leasehold, and costs.
Loan against property vs lease rental discounting: which is right for you?
Loan against property and lease rental discounting both raise funds from property you own. How they differ, who each suits and what lenders look at.
Why loan applications get rejected — and how to fix the file
Why business and property loan applications get rejected — credit report errors, overdues, high EMIs, income gaps, property issues — and how to fix and reapply.
Term loan vs cash credit vs overdraft: which business loan fits which need?
Term loan, cash credit, overdraft or WCDL? How each works, how interest and drawing power are worked out, security, renewal and RBI's 2026 account rules.
Run the numbers first
Home loan & LAP eligibility (FOIR + RBI LTV)
Maximum loan sanction tested against both FOIR income servicing capacity and RBI's tiered Loan-to-Value (LTV) ceilings (90% / 80% / 75%).
LAP vs LRD side-by-side comparison
Compare maximum loan eligibility, interest rate (1.00%–1.50% lower on LRD), monthly EMI and total interest cost on a leased commercial asset.
Maharashtra MODT, Notice of Intimation & CERSAI
0.3% mortgage stamp duty (Article 6), ₹1,000 Notice of Intimation filing fee (Section 89B), CERSAI registration and bank processing/legal charges.
Lease rental discounting: how much can I borrow?
Net rent after TDS and owner's outgoings, escalation and residual lease, then the tests banks publish: % of rent, present value, EMI cover and LTV.
Often arranged together
Need funds against your property?
Share your details and our advisor will call you to check your eligibility and options.
Biz Corp Solutions arranges funding through partner banks, NBFCs and financial institutions. Sanction, interest rates and terms are decided by the lender. Last reviewed 5 October 2026.