Mortgage Loan (LAP)

Unlock the value already sitting in your property.

A Loan Against Property lets you borrow against a residential or commercial property you already own — at rates well below unsecured credit, with the property continuing to be yours to use.

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Up to ₹5Cr

Loan range

9%+

Starting rate

15 Yrs

Max tenure

60–70%

Of property value

Why choose this with us

Benefits built around the borrower.

A short list of what actually changes when you apply through Financeway instead of walking into a branch.

Secured, so cheaper

Rates well below personal or business loans, because the property backs the credit.

Residential & commercial accepted

Self-occupied, rented or vacant property — most title types are considered.

Higher loan amounts

Borrow up to 60–70% of property value, useful for larger funding needs.

Legal & valuation handled for you

We coordinate the property checks so you're not chasing lawyers and surveyors yourself.

Longer repayment window

Tenures up to 15 years keep the EMI manageable relative to the loan size.

Property stays yours

You retain full ownership and use of the property throughout the loan tenure.

Loan Instrument

See your EMI before you apply.

Move the sliders — the split between principal and interest updates in real time.

Loan Amount ₹2,500,000

Interest Rate (p.a.) 10.20%

Tenure 120 months

Apply at this EMI →

Estimated Monthly EMI

₹21,494

● Principal
₹10,00,000

● Interest
₹2,89,640

Mortgage Loan (LAP)

What you'll need

Keep these ready to speed up your application.

Documents Required

Keep these ready — our representative collects them at your doorstep.

Property title deed & ownership documents
PAN & Aadhaar Card
Last 6 months' bank statement
Income proof (salary slips / ITR)
Property tax receipts
Existing loan statements, if any

Eligibility Criteria

A quick self-check before you apply.

Clear and marketable property title
Age between 25–65 years
Stable income, salaried or self-employed
Property free of existing high-value encumbrance
Credit score of 700+ preferred

Questions

Frequently asked questions

There's no restriction on end-use — business expansion, education, medical expenses or debt consolidation are all common reasons.

Yes, most banks accept rented residential or commercial property, provided the title and documentation are in order.

Typically 60–70% of the assessed market value, depending on the bank, property type and location.

As with any secured loan, prolonged default can lead to recovery proceedings against the property — we always recommend borrowing within a comfortable EMI range.