A Loan Against Property (LAP) from NatrajPlus helps you unlock the value of your residential or commercial property to meet large financial requirements. Whether you need funds for business expansion, education, medical emergencies, debt consolidation, or personal needs, LAP offers a cost-effective borrowing solution with lower interest rates and longer repayment tenures compared to unsecured loans.
With predictable EMIs and transparent terms, NatrajPlus LAP is designed to give you financial flexibility while you continue to retain ownership of your property.
Key Features
- Loan secured against residential or commercial property
- Lower interest rates compared to personal loans
- Higher loan amount eligibility
- Longer repayment tenure for manageable EMIs
- Fixed interest structure for better financial planning
- Transparent processing with no hidden charges
Interest Rate
- 5% per annum (Fixed Interest)
- Interest calculated on a flat basis for the agreed tenure
Loan Amount & Tenure
- Loan amount: ₹10 lakh up to ₹2 crore*
- Tenure: Up to 20 years
*Loan amount eligibility depends on property value, income profile, and credit assessment.
Eligibility Criteria
- Salaried or self-employed individuals
- Business owners, professionals, and entrepreneurs
- Minimum age: 25 years
- Stable income and repayment capacity
- Clear and legally compliant property documents
Acceptable Properties
- Self-owned residential property
- Commercial property (shop, office, warehouse)
- Property must be free from major legal or ownership disputes
Documents Required
- Identity and address proof
- Income proof (salary slips / ITR / business financials)
- Bank statements for the last 6 months
- Property ownership and title documents
- Latest property tax receipts
How You Can Use the Funds
- Business expansion or working capital
- Education expenses
- Medical emergencies
- Debt consolidation
- Personal or family requirements
Why Choose NatrajPlus for LAP?
NatrajPlus focuses on clarity, trust, and long-term customer relationships. Our Loan Against Property comes with structured repayment plans, consistent EMIs, and dedicated support throughout the loan lifecycle. From application to disbursement, our process is simple, transparent, and customer-centric.
EMI & Repayment
Your EMI remains fixed throughout the loan tenure, allowing you to plan your monthly finances with confidence. You can calculate your EMI instantly using the NatrajPlus EMI Calculator and select a repayment plan that aligns with your cash flow.
Disclaimer
Loan approval, interest rate, tenure, and disbursement are subject to NatrajPlus internal credit policies, legal verification of property, and regulatory requirements. Terms and conditions apply.