Loan Against Property
Unlock the equity in your property for any financial need.
Residential or commercial property — leverage your asset to access large loan amounts at lower interest rates compared to unsecured loans.
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Interest Rate
70%
Max LTV
15 Yrs
Max Tenure
₹5 Cr
Max Loan
Why Choose LAP Through Kozynex?
Lower Interest Rates
Secured against property, LAP offers significantly lower rates compared to personal loans or unsecured business loans.
Large Loan Amounts
Access up to 70% of your property value — up to ₹5 crore — for business expansion, education, or any major expense.
Residential & Commercial
Both residential and commercial properties accepted as collateral, subject to lender approval and valuation.
Longer Tenure
Repayment tenures up to 15 years keep your EMI manageable even for large loan amounts.
Continue Using Property
You retain possession and use of your property throughout the loan tenure.
Zero Borrower Fees
Our service is completely free for borrowers. We are compensated by the lender, not by you.
Eligibility Criteria
- Indian resident, aged 25–70 years
- Clear and marketable title to the property
- Salaried or self-employed with stable income
- CIBIL score of 700 or above preferred
- Property should be free from encumbrances
- Property valuation by lender-approved valuer
Documents Required
- PAN Card and Aadhaar Card
- Income proof (salary slips / ITR for 2 years)
- Last 12 months bank statements
- Property documents (title deed, sale deed, encumbrance certificate)
- Property tax receipts
- Approved building plan (if applicable)
Frequently Asked Questions
What types of properties are accepted for LAP?
Most lenders accept self-occupied residential properties, rented residential properties, and commercial properties. Agricultural land is generally not accepted.
Can I take a LAP on a jointly owned property?
Yes, but all co-owners must be co-applicants on the loan application.
What is the maximum LTV for LAP?
Lenders typically offer up to 60–70% of the property's market value as assessed by their approved valuer.
Does Kozynex charge any fee?
No. Our services are completely free for borrowers. We are compensated by the lender as a registered DSA/LSP.
Unlock Your Property's Value Today
Get a free consultation and find the best LAP offer for your property — no fees, no obligations.