Loan Against Property
Turn your property into powerful capital.
- Loan amountUp to 80% of property value
- Interest rateFrom 7.50%* p.a.
- TenureUp to 20 years
About this product
Why clients choose Viva Capital for LAP.
Loan Against Property (LAP) lets you borrow against the value of your real estate — keeping the title, while the asset works for you. We structure approvals for difficult profiles other intermediaries pass on.
What we offer
Key features
- High loan-to-value ratio (up to 80% of property value)
- Tenures up to 20 years with flexible EMIs
- Approvals for self-employed, salaried, and professional profiles
- Top-up and balance-transfer options
Who can apply
Basic eligibility
- Indian resident, age 21 — 70
- Salaried, self-employed, or professional
- Property: residential, commercial, or industrial
- Co-applicant accepted (spouse / family)
Keep ready
Documents required
- PAN, Aadhaar, recent address proof
- Last 6 months bank statements
- ITR + computation (self-employed) or salary slips + Form 16 (salaried)
- Property title chain + sale deed
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
