Finance Against Property

Finance Against Property (also known as Loan Against Property) is a secured financial product that allows property owners to unlock the value of their real estate without selling it. The borrower pledges a residential, commercial, or industrial property as collateral, and in return, the lender provides a loan based on a percentage of the property’s market value—typically ranging from 50% to 70%.

This form of financing is highly flexible and can be used for business expansion, working capital, education, medical expenses, or debt consolidation. Since the loan is backed by tangible collateral, it usually comes with lower interest rates and longer repayment tenures compared to unsecured loans.

The ownership of the property remains with the borrower, while the lender holds the legal right to it until the loan is fully repaid. Proper documentation, valuation, and clear title of the property are key requirements for approval.