Loan against Property
Unlock the True Value of Your Property with Smart Financing
Loan against Property
Your property is more than just a place — it’s a valuable financial asset. With RKD Finance, you can unlock the hidden potential of your residential or commercial property and access substantial funds for your personal or business needs.
A Loan Against Property (LAP) is one of the most effective ways to secure high-value funding at lower interest rates. Whether you need funds for business expansion, education, medical emergencies, or personal goals, RKD Finance provides flexible and affordable solutions tailored to your needs.
What is a Loan Against Property?
A Loan Against Property is a secured loan where you pledge your property (residential, commercial, or industrial) as collateral to avail funds. Since the loan is backed by an asset, it typically comes with lower interest rates and higher loan amounts compared to unsecured loans.
At RKD Finance, we make the process simple, transparent, and fast — ensuring you get the funds you need without hassle.
Key Features of RKD Finance LAP
- Loan Amount: ₹5,00,000 to ₹5 Crore (based on property value)
- Loan Tenure: Up to 15–20 years
- Attractive Interest Rates: Lower compared to unsecured loans
- High Loan-to-Value (LTV): Up to 60–75% of property value
- Quick Approval: Fast processing and minimal delays
- Flexible Usage: Funds can be used for multiple purposes
- Balance Transfer Option: Transfer existing LAP for better rates
Why Choose RKD Finance?
High Loan Value
Unlock large amounts of funds based on your property’s market value.
Lower Interest Rates
Enjoy affordable rates due to secured nature of the loan.
Flexible Repayment
Long tenure allows for comfortable EMI planning.
Transparent Process
No hidden charges or confusing terms.
Fast Disbursal
Quick approvals and timely fund release.
Expert Assistance
Dedicated support throughout the process.
How Can You Use Loan Against Property?
LAP offers flexibility to use funds for various needs:
- Business expansion or working capital
- Higher education expenses
- Medical emergencies
- Wedding or personal events
- Debt consolidation
- Home renovation or upgrades
Types of Properties Accepted
- Residential Property (House/Flat)
- Commercial Property (Office/Shop)
- Industrial Property (Case-specific)
How It Works
Step 1: Apply Online
Fill in your basic personal and property details.
Step 2: Document Submission
Upload KYC and property-related documents.
Step 3: Property Evaluation
Your property is assessed for market value.
Step 4: Loan Approval
Loan is approved based on eligibility and valuation.
Step 5: Disbursal
Funds are credited directly to your bank account.
- Indian citizen
- Minimum age: 21 years
- Salaried or self-employed
- Stable income source
- Ownership of property
- Clear property title
- PAN Card
- Aadhaar Card
- Address Proof
- Income Proof (Salary slips / ITR)
- Bank Statements
- Property Documents (title deed, agreement, etc.)
Interest rates depend on your income, property value, and credit profile.
Charges may include:
- Processing Fees
- Legal & Valuation Charges
- Late Payment Charges
- Prepayment Charges (if applicable)
All charges are disclosed upfront.
Benefits of Loan Against Property
Access to Large Funds
Get higher loan amounts compared to personal loans.
Lower Interest Rates
Save on interest costs due to secured loan structure.
Longer Tenure
Extended repayment period reduces EMI burden.
Retain Property Ownership
Continue using your property while it is pledged.
Unlock the Value of Your Property Today
Turn your property into a powerful financial resource with RKD Finance.
Faqs
Most Popular Questions
You can get up to 60–75% of your property’s market value depending on eligibility.
Yes, you can continue to live in or use your property while the loan is active.
Yes, your property is used as collateral for the loan.
Loan approvals are usually processed quickly after property evaluation.
Yes, prepayment options are available as per terms.
Residential and commercial properties are commonly accepted.
Yes, prepayment options are available as per loan terms.
Failure to repay may result in legal action or property possession as per agreement.
