Loan Against Property (LAP)

Loan Against Property in Surat

If you own a house, shop, office or commercial property, it can fund what comes next — at a lower rate and over a longer tenure than a personal or unsecured business loan. You keep using the property; it is mortgaged to the lender only until the loan is repaid.

What a LAP is used for

• Business expansion or working capital
• Children’s higher education or a wedding
• Medical expenses
• Replacing expensive loans with one lower EMI

Property that is usually accepted

• Self-occupied or rented residential property
• Commercial property — shops, offices, showrooms
• Industrial property, depending on the lender

Documents typically required

• PAN card and Aadhaar card
• Passport-size photograph
• Proof of current address
• Income proof — salary slips or ITR with financial statements
• Twelve months of bank statements
• Complete property chain documents, approved plan and latest tax receipt

How Gatiman Global Finance Corp helps

The loan amount depends on both the property’s value and your income. We check both upfront, identify lenders whose property and income norms your case actually meets, and manage valuation and legal checks so the file moves without surprises.