At FinNext, we understand that your property is more than just an asset — it’s also a powerful financial tool. With our Loan Against Property (LAP) solutions, you can unlock the true value of your residential or commercial property to meet a wide range of financial needs. Whether it’s for business expansion, working capital, education, medical expenses, debt consolidation, or personal requirements, our LAP services provide you with the funds you need at competitive interest rates.
We work with leading banks and NBFCs to offer high-value loans with longer repayment tenures and lower EMIs, making them one of the most cost-effective borrowing options. Our team provides end-to-end guidance, from assessing your eligibility and property valuation to completing documentation and securing quick approvals. With our support, you can utilize your property’s value while continuing to own and use it.
At FinNext, our focus is on delivering transparent, hassle-free, and customized loan solutions that align with your goals. By combining our expertise with strong financial networks, we ensure you get the best deals, flexible terms, and complete peace of mind. With us, your property works for you — helping you achieve both personal and business milestones with confidence.
Aadhar card, Pan card, Photo
Passport, Aadhar card, Voter ID, Driving license
Aadhar card, Rental agreement, Utility bills, Voter ID
Latest 3 months salary slip, Form 16 and income tax returns for the last 2-3 years
income tax returns for the last 3 years, Profit & Loss statement, Balancesheet, Business Registration Proof
For Salaried - Latest 6 months bank statement
For Self Employed - Latest 1 year bank statement
Coapplicant 2 photos KYC
Loan account statement
No-objection certificate (NOC), Property valuation report,Legal opinion on the property
A Loan Against Property is a secured loan that allows you to borrow funds by mortgaging your residential, commercial, or industrial property, while still retaining ownership and usage rights.
You can use LAP for business expansion, working capital, higher education, medical expenses, weddings, debt consolidation, or any other personal or professional financial requirement.
Salaried employees, self-employed professionals, and business owners who own a property with clear title and repayment capacity are eligible.
The loan amount depends on the market value of your property, income profile, and lender’s eligibility criteria. Typically, lenders provide 50%–70% of the property’s current market value.
At FinNext, we provide high-value loans at competitive interest rates, longer repayment tenures, flexible EMIs, quick processing, and transparent guidance with no hidden charges.
No, you remain the legal owner of your property. It is only mortgaged as security until the loan is repaid.