🏦 RBI Registered DSA Agent | Serving Andhra Pradesh & Telangana
📞 +91 97053 17513 💬 WhatsApp Us
Loan Against Property · AP & Telangana

Loan Against Property
Up to ₹5 Crores.
Approved in 48–72 Hours.

Mee residential or commercial property meeda lowest rates lo loan teesukondi. Business expansion, daughter wedding, medical emergency, debt consolidation — property unna prathi avasaraniki funds. Property ownership maaruthundi kaadu, mee daggare untundi.

  • Interest rates starting from 8.75% p.a.
  • Loan amount ₹5 Lakhs – ₹5 Crores
  • Tenure up to 15–20 years
  • Up to 70% of property market value
  • Zero hidden charges — we guide you for free
₹50Cr+
LAP Loans Done
700+
Happy Customers
72hr
Avg Approval
25+
Bank Options

⚡ Quick Apply — Loan Against Property

🔒 Safe & secure. Agent calls within 30 mins.

The smartest way to get a Loan Against Property in AP & TG

Mee property meeda best deal kavali — manam 25+ banks tho compare chesi, mee ki best loan match chestaamu, ee running around levvi.

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25+ Bank Options

SBI, HDFC, ICICI, PNB, Axis Bank, Canara Bank — we compare all LAP products and find your best matching lender.

48–72 Hour Approval

With clear property documents, sanction can be done within 2–3 working days, disbursal soon after.

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Lowest Rates — From 8.75%

Secured loan means lower interest than personal/business loans. We negotiate the best rate for your property profile.

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100% Free Service

We never charge customers a single rupee. Banks pay us commission — you get expert guidance at zero cost.

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Doorstep Service

No branch visits required. Agent collects property documents from your home/office and handles everything for you.

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Ownership Stays Yours

Property remains in your name and use throughout the loan tenure — only mortgaged as security, not transferred.

Loan Against Property — Key Details

Everything you need to know about LAP products across AP & Telangana.

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Loan Amount

Minimum to maximum range

₹5 Lakhs – ₹5 Crores
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Interest Rate

Secured loan special rates

8.75% – 13% p.a.
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Loan Tenure

Flexible repayment period

5 – 20 Years
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Processing Time

From apply to disbursal

48 – 72 Hours
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Processing Fee

One-time fee charged by bank

0.5% – 1.5% of loan
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Loan-to-Value (LTV)

Against property market value

Up to 70% LTV
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Repayment Mode

Flexible EMI options

ECS / NACH / Auto-Debit
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Age Limit

Maximum age at loan maturity

Up to 65–70 Years

Who can apply for Loan Against Property?

Simple eligibility norms for salaried, self-employed, and business owners who own clear-titled property.

👔 Salaried Applicants

  • 🎂

    Age

    23 to 65 years at loan maturity

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    Work Experience

    Minimum 2 years total, 1 year in current organisation

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    Minimum Income

    ₹25,000/month net salary preferred

  • 📊

    CIBIL Score

    700 or above preferred for best rates

💡 Co-applicants (spouse / family member) can be added to increase loan eligibility amount. Agent will guide on the best combination.

🏢 Self-Employed / Business Owners

  • 🎂

    Age

    25 to 70 years at the time of application

  • 📅

    Business Vintage

    Minimum 3 years of business / professional practice

  • 💰

    Minimum Turnover / Income

    ITR-based income assessment, ₹2 Lakhs+ annual income preferred

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    CIBIL Score

    680 or above preferred (lower scores also considered case-by-case)

💡 NRI Property Owners are also eligible with additional documentation. Agent will confirm exact requirements for your case.

Keep these documents ready

Clear property documents speed up sanction significantly. We collect digitally or from your home/office.

🆔 Identity & Address Proof

  • Aadhaar Card (mandatory)
  • PAN Card (mandatory)
  • Passport / Voter ID / Driving Licence
  • Recent utility bill for address proof

🏠 Property Documents

  • Sale Deed / Title Deed (original)
  • Property tax receipts (latest)
  • Approved building plan / occupancy certificate
  • Encumbrance Certificate (EC) — 13/30 years

💰 Income Documents

  • Last 3 months salary slips (salaried)
  • Last 6 months bank statement
  • Last 2–3 years ITR with financials (self-employed)
  • GST returns / business proof (if applicable)

📸 Photographs & Others

  • 2 recent passport-size photographs
  • Signed application form
  • Existing loan statements (if any)
  • Co-applicant documents (if applicable)

📱 Initial documents can be shared digitally via WhatsApp — agent visits for property document verification.

Which properties qualify for LAP?

Most clear-titled, fully constructed properties with proper approvals are eligible.

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Residential House / Flat

Self-occupied or rented independent house, villa, or apartment with clear title.

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Commercial Property

Office space, shop, showroom, or commercial building used for business purposes.

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Industrial Property

Factory sheds, warehouses, and industrial plots with valid approvals and clear title.

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Plot with Construction

Residential or commercial plots with completed construction and approved building plan.

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Rented-Out Property

Property currently on rent is also eligible — rental income can boost your loan eligibility.

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NA-Converted Land

Agricultural land converted to non-agricultural (NA) use with clear documents, bank-dependent.

Get your Loan Against Property in 5 easy steps

From enquiry to money in your account — DSA Loan Agent handles everything for you.

1

Apply Online or Call

Fill the form below or WhatsApp Agent. Share property type and loan requirement.

2

Free Eligibility Check

Agent checks your income, property value, and CIBIL — selects the best matching bank for you.

3

Property Valuation & Legal Check

Bank's empanelled valuer & legal team verify your property — agent coordinates the entire visit.

4

Sanction & Mortgage Documentation

Agent submits to the right bank, follows up daily, and assists with mortgage paperwork at registrar office.

5

Money in Your Account

Loan disbursed directly to your bank account — usually within 48–72 hours of final sanction.

Why Loan Against Property is the smart choice

LAP gives you the highest loan amount at the lowest interest rates among all secured & unsecured loan options.

📉 Lowest Interest Rates

Since property is pledged as security, LAP offers rates starting from 8.75% p.a. — much lower than personal or business loans.

💰 Highest Loan Amounts

Borrow up to ₹5 Crores or more depending on property value — ideal for large expenses like business expansion or weddings.

🏠 Continue Using Your Property

You retain full ownership and use of the property — it's only mortgaged as collateral, not sold or transferred.

📆 Long Tenure — Up to 20 Years

Repay comfortably over up to 20 years. Longer tenure means lower EMI, keeping monthly cash flow comfortable.

🔄 Flexible End-Use

Use funds for business expansion, education, medical emergencies, wedding, or debt consolidation — no restrictions.

📈 Top-Up Facility Available

Existing LAP customers can avail additional top-up loans later based on repayment track record and property appreciation.

What can you expect on your LAP?

Indicative figures based on property type and applicant profile — agent gives you exact figures after eligibility check.

🏠 Residential Property

  • Loan up to 65–70% of market value
  • Rate: 8.75% – 11% p.a.
  • Tenure: up to 20 years
  • Amount: ₹5L – ₹3 Crores

🏢 Commercial Property

  • Loan up to 55–65% of market value
  • Rate: 9.5% – 12% p.a.
  • Tenure: up to 15 years
  • Amount: ₹10L – ₹5 Crores

🏭 Industrial / Plot

  • Loan up to 50–60% of market value
  • Rate: 10% – 13% p.a.
  • Tenure: up to 10–12 years
  • Amount: ₹10L – ₹3 Crores

📊 Processing & Charges

  • Processing fee: 0.5% – 1.5% of loan
  • Legal & valuation charges apply
  • Pre-payment: usually nil for floating rate
  • Stamp duty as per state mortgage rules

Frequently Asked Questions

Loan Against Property lo common doubts — honest answers.

Generally property market value lo 50% to 70% varaku loan vastaadi (LTV ratio), property type batti vary avutuundi. Residential property ki higher LTV, commercial/industrial ki konchem takkuva. Exact valuation bank's empanelled valuer chestadu — agent full process lo help chestadu.
Ledu! Property ownership meeku same gaa untundi. Loan tీసుకున్నప్పుడు property mortgage (collateral) gaa register avutundi, kaani title meeru already untారు. Loan full repay chesina taruvata mortgage release avutundi — property meedha full rights meeku already untaayi.
Avunu! Rented property kuda eligible — chala banks rental income ni kuda eligibility calculation lo add chestaayi, ఇది మీ loan amount ni inka penchutundi. Tenant agreement & rent receipts documents lo submit cheyyali.
Property title clear gaa undali — pending litigation, unclear succession, or missing approvals unte bank reject chese chance ekkuva. Agent mీ property documents pre-check chesి, emaina gaps unte fix cheyyadaniki guide chestadu, appudu apply chestadu — ఇది approval chance ni penchutundi.
LAP loan multi-purpose — business expansion, child education, wedding expenses, medical emergency, debt consolidation, home renovation — almost any legitimate purpose ki use cheyyochu. Bank end-use proof ఎప్పుడైనా అడగొచ్చు, kaani strict restrictions levvu personal loan la కాకుండా.
Property documents clear gaa unte, valuation & legal verification complete ayyaka, sanction generally 48–72 hours lo vastundi. Documents lo emaina missing unte konchem time ekkuva padutundi. Agent process speed up cheyyadaniki andariki coordinate chestadu.
Absolutely zero! Customers ki memu emi charge cheyyadam ledu. Banks DSA agents ki commission pay chestaayi — meeru free gaa expert guidance teesukuntaaru, better rate tho loan vastaadi.
Avunu! Existing LAP customers, good repayment track record tho, top-up loan teesukogalaru — especially property value penchindi ante. Agent eligibility check chesi best top-up offer find chestadu.

Real customers, real property loans

★★★★★

Naa shop business expand cheyyadaniki ₹40 Lakhs kavali ayyindi. DSA Loan Agent naa commercial property meeda HDFC LAP ki apply cheyyadaniki help chesadu — 9.5% rate lo 3 days lo money account lo undi. Excellent guidance!

SR
Srinivasa Rao
LAP ₹40L · Hyderabad
★★★★★

My house was rented out and I wasn't sure if it would qualify. Agent explained that rental income could be added to my eligibility and got me ₹65 Lakhs at 8.9% from SBI. Much smoother than I expected.

PD
Padmavathi Devi
LAP ₹65L · Vijayawada
★★★★★

Daughter wedding ki urgent gaa ₹25 Lakhs kavali ayyindi. Property documents konchem complex unna, agent legal team tho coordinate chesi 3 days lo sanction తీసుకొచ్చాడు. Chala thanks DSA Loan Agent!

VK
Venkateswara Rao
LAP ₹25L · Guntur

Ready to unlock the value of your property?

One call. Best rate. 48–72 hour disbursal. Completely free service across AP & Telangana.

📋 Apply Now — Free 💬 Chat on WhatsApp 📞 Call Agent Now

Let's get your Loan Against Property approved

Fill the form and Agent will call you back within 30 minutes — compare 25+ lenders and get the best LAP deal for your property.

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Phone / WhatsApp

+91 97053 17513
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Working Hours

Mon – Sat: 9:00 AM – 7:00 PM

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Serving Area

Andhra Pradesh & Telangana

📋 Apply for Loan Against Property — Free

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