DCT Multiservices LLP - Your Trusted Financial Partner
Office no 101,102 1st Floor,Mittal chamber building , jm road Shivaji Nagar 411005
manasbaranwal@gmail.com +91 8600143860

Loan Against Property

Unlock Property Value

Transform Your Property into Instant Capital

Need substantial funds for business expansion, education, medical emergencies, or personal requirements? DCT Multiservices LLP offers Loan Against Property (LAP) solutions that help you leverage your residential or commercial property to access instant liquidity without selling your valuable asset.

A Loan Against Property is a secured loan where you mortgage your owned property as collateral to obtain substantial funding at competitive interest rates. You retain complete ownership and can continue using the property while accessing the funds you need. With flexible repayment options and multipurpose usage, LAP is the ideal financial solution for those with property assets.

Loan Up to 75% of Property Value
Interest Rates Starting from 9%
Tenure Up to 20 Years
Multipurpose Usage Freedom
Loan Against Property

Apply for Loan Against Property

Fill out the application form below to unlock the value of your property. Our loan specialists will contact you within 24 hours with customized loan options.

Key Features & Benefits

Discover why Loan Against Property is the preferred choice for accessing substantial funds

High Loan Amount

Access loans up to 75% of your property's current market value, with amounts ranging from ₹5 lakhs to ₹10 crores or more, depending on property valuation and your repayment capacity.

Competitive Interest Rates

Enjoy interest rates starting from 9% per annum - significantly lower than unsecured loans. Being a secured loan, LAP offers much better rates compared to personal loans or credit cards.

Extended Repayment Tenure

Benefit from flexible repayment options with tenure extending up to 20 years. Longer tenure means lower monthly EMIs, making repayment comfortable and manageable for your budget.

Multipurpose Usage

Unlike home loans, LAP funds can be used for any purpose - business expansion, working capital, education, medical emergencies, wedding expenses, debt consolidation, or personal needs.

Retain Property Ownership

You continue to own and use your property while the loan is active. The property is only mortgaged as security - you can live in it or rent it out as before.

Multiple Property Types Accepted

Mortgage residential, commercial, industrial properties, or even vacant land. Both self-occupied and rented properties are eligible for loan against property.

Quick Processing

Fast approval and disbursement process with minimal documentation. Get your funds within 7-10 working days after property verification and documentation completion.

Flexible Prepayment

Most floating rate LAP loans offer zero or minimal prepayment charges. Pay off your loan early whenever you have surplus funds to save on interest costs.

Tax Benefits

If the loan is used for business purposes, the interest paid is tax-deductible as a business expense. Consult your tax advisor for specific deductions applicable to your case.

Balance Transfer Facility

Transfer your existing high-interest LAP from another lender to avail better interest rates and terms. Save significantly on your monthly EMI and overall interest outgo.

Types of Loan Against Property

Different LAP options available based on property type and loan purpose

LAP on Residential Property

Mortgage your residential property including apartments, independent houses, villas, or row houses to access funds.

  • Self-Occupied: Property where you currently reside
  • Rented Property: Property given on rent to tenants
  • Vacant Property: Unoccupied residential property
Loan Amount: Up to 60-65% of property value
Interest Rate: Starting from 9.5% p.a.
Tenure: Up to 15-20 years
LAP on Commercial Property

Use your commercial properties like offices, shops, showrooms, warehouses, or commercial complexes as collateral.

  • Self-Occupied: Property used for your own business
  • Rented Out: Commercial property leased to businesses
  • IT Parks/Malls: Units in commercial complexes
Loan Amount: Up to 50-60% of property value
Interest Rate: Starting from 9% p.a.
Tenure: Up to 15 years
LAP on Industrial Property

Mortgage industrial properties including factories, manufacturing units, warehouses, or industrial sheds.

  • Manufacturing units and factories
  • Industrial warehouses and storage facilities
  • Industrial plots with or without structures
Loan Amount: Up to 50-60% of property value
Interest Rate: Starting from 10% p.a.
Tenure: Up to 10-15 years
LAP on Vacant Land/Plot

Even vacant land or plots can be mortgaged to get loans, though the loan-to-value ratio is typically lower.

  • Residential plots in approved layouts
  • Commercial plots in developed areas
  • Agricultural land (select lenders only)
Loan Amount: Up to 40-50% of plot value
Interest Rate: Starting from 10.5% p.a.
Tenure: Up to 10-15 years
Important Note

The loan amount, interest rate, and tenure vary based on property type, location, age, and your repayment capacity. Multiple properties can also be clubbed together to get higher loan amounts. Contact our loan experts for personalized advice based on your specific property and requirements.

Eligibility Criteria for Loan Against Property

Understanding eligibility requirements helps you prepare your application better

For Salaried Individuals
  • Age: 25 to 65 years
  • Minimum Income: ₹25,000 - ₹40,000 per month
  • Work Experience: Minimum 3 years (1 year in current company)
  • Employment: With reputed organizations or MNCs
  • Credit Score: 650 or above (700+ preferred)
For Self-Employed Professionals
  • Age: 25 to 70 years
  • Minimum Income: ₹3-4 lakhs annual net profit
  • Business Vintage: Minimum 3-5 years in practice
  • Profession: Doctors, CAs, Engineers, Architects, etc.
  • Credit Score: 650 or above (700+ preferred)
For Self-Employed Business Owners
  • Age: 25 to 65 years
  • Minimum Income: ₹4-5 lakhs annual turnover
  • Business Vintage: Minimum 3 years of operations
  • Business Type: Proprietorship, Partnership, Pvt Ltd
  • Credit Score: 650 or above (700+ preferred)
Property Eligibility
  • Property Age: Maximum 40 years old
  • Title: Clear and marketable title
  • Approved: Municipal/government approved property
  • Location: Within city limits or approved areas
  • Legal: Free from litigation and encumbrances
Loan Amount Calculation Factors

The loan amount you're eligible for depends on multiple factors:

Property Value: Current market valuation by bank-approved valuers
Income Level: Higher income increases loan eligibility
FOIR: Fixed Obligation to Income Ratio (should be below 50-60%)
Credit Score: Better scores enable higher loan amounts
Age Factor: Younger applicants get longer tenure options
Property Location: Prime locations get better valuations
Tips to Improve Eligibility
  • Maintain good credit score (750+)
  • Clear existing debts before applying
  • Add co-applicant with income
  • Choose property in prime location
  • Maintain stable income source
  • Keep all property documents ready
  • Show additional income sources
  • Maintain healthy bank account

Required Documents

Keep these documents ready for hassle-free loan processing

Identity & Address Proof

Identity Proof (any one):

  • PAN Card (mandatory for all)
  • Aadhaar Card
  • Passport
  • Voter ID Card
  • Driving License

Address Proof (any one):

  • Aadhaar Card
  • Passport
  • Utility bills (not older than 3 months)
  • Ration Card
  • Registered rent/lease agreement
  • Property tax receipt
Income Proof - Salaried
  • Last 3 months salary slips
  • Form 16 for last 2-3 years
  • Bank statements (last 6-12 months)
  • Employment certificate/ID card
  • Appointment letter
  • IT Returns for last 2-3 years
Business Documents - Self Employed
  • Business registration certificate
  • GST registration & returns (6 months)
  • Audited financial statements (2-3 years)
  • ITR with computation (2-3 years)
  • Bank statements (12 months)
  • Partnership deed/MOA-AOA
  • Business profile and proof of existence
Property Documents
  • Original property documents (sale deed)
  • Title deed and chain of documents
  • Approved building plan
  • Occupancy/Completion certificate
  • Encumbrance certificate (last 13 years)
  • Property tax receipts (last 3 years)
  • Society NOC (if applicable)
  • Current property valuation report
Additional Documents (if applicable)
  • Co-applicant documents (all of the above)
  • Existing loan statements
  • Loan closure letter (if any previous loan)
  • Rent agreement (if property is rented)
  • Rent receipts (last 6 months)
  • Processing fee payment receipt
  • Passport size photographs
  • Power of attorney (if applicable)
  • Society maintenance receipts
Document Submission Guidelines
  • Submit both original and self-attested copies
  • All documents should be current and valid
  • Ensure documents are legible and complete
  • Property documents must show clear title
  • Bank statements should reflect regular income
  • All pages of documents should be submitted
  • Aadhaar-PAN linking is mandatory
  • Our team assists with document verification

Frequently Asked Questions

Find answers to common questions about Loan Against Property

Loan Against Property (LAP) is a secured loan where you mortgage your residential, commercial, or industrial property to obtain funds. The lender holds the property documents as collateral while you continue to own and use the property. You receive a lump sum amount (typically 50-75% of property value) and repay it through EMIs over a tenure of 5-20 years. Upon full repayment, the property documents are returned to you. This is an ideal way to access substantial funds without selling your property.

Yes, one of the biggest advantages of LAP is that you can use the funds for multiple purposes including business expansion, working capital requirements, purchasing another property, children's education, medical emergencies, wedding expenses, debt consolidation, or any personal needs. Unlike home loans which are restricted to property purchase/construction, LAP offers complete flexibility in fund usage. However, you must declare the purpose while applying.
DCT Multiservices LLP - Your Trusted Financial Partner

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Office no 101,102 first floor Mittal chamber building near Panchali hotel jm road Shivaji Nagar 411005

+91 8600143860

+91 7030143860

manasbaranwal@gmail.com

sales@dctfinmultiservices.com

backoffice@dctfinmultiservices.com

manas@dctfinmultiservices.com

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