Skip to content

Put your property to productive use

Loan against property in Pune

Unlock the value of residential or commercial property for business or personal needs.

About this facility

A Loan Against Property (LAP) is a secured loan where residential, commercial or industrial property is mortgaged to the lender. Because it is secured, lenders may offer longer tenures than unsecured loans; the amount depends on the property's assessed value and your repayment capacity.

We help you check title and document readiness early, understand loan-to-value expectations and compare how different lenders treat your property type.

Loan Against Property

Who it suits

  • Business owners seeking funds for expansion or working capital
  • Self-employed professionals with owned property
  • Salaried individuals with clear-title property
  • Those consolidating higher-cost borrowings (after careful evaluation)

General eligibility considerations

  • Clear and marketable title of the property
  • Property type and location acceptable to the lender
  • Stable income and repayment capacity
  • Satisfactory credit history

Indicative only. The lender's policy and the official rules prevail.

Indicative documents

  • KYC: PAN and Aadhaar of applicant(s), photographs, address proof
  • Income tax returns with computation for the last 2 to 3 years
  • Bank statements of all operative accounts for the last 6 to 12 months
  • Complete property chain documents, sale deed and approved plan
  • Latest property tax receipt and society NOC (where applicable)
  • Business proof and financials for self-employed applicants
Documents Required

How we help

  1. 1

    Understand your requirement, business profile and repayment capacity in a free initial discussion.

  2. 2

    Share an indicative document checklist and help you organise financial records.

  3. 3

    Explain suitable facility types and lender options so you can decide with clarity.

  4. 4

    Assist with application preparation and coordination with the lender you choose.

  5. 5

    Keep you informed until the lender communicates its decision.

Frequently asked questions

How much can I borrow against my property?

Lenders typically lend a percentage of the property's assessed market value (loan-to-value), subject to your income and their policy. The exact figure is decided by the lender after valuation.

Can I use the property while it is mortgaged?

Yes, you continue to own and use the property; the lender holds a charge on it until the loan is repaid.

Serving Pune, Pimpri Chinchwad & nearby

From our Rahatani office we help businesses and families across PCMC, the Hinjewadi IT corridor and the Chakan, Bhosari and Talegaon industrial belts.

Abhigamyah Fins is a loan consultancy. We are not a bank or lender. All lending decisions, interest rates and terms are decided solely by the relevant lender. Loan approval is not guaranteed.

Discuss your requirement with us

Share a few details and our team will call you back to understand your requirement. No obligation.