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Loan Against Property
Piramal Capital & Housing Finance Ltd is a leading NBFC in India, known for flexible underwriting and high-value secured lending. Head Office: Mumbai, Maharashtra. Widely trusted by MSMEs and professionals.
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🏠 Piramal Capital Loan Against Property
Unlock high-value funding from your property with Piramal Capital—smartly applied via PoketCare
Piramal Capital Loan Against Property helps you raise a substantial secured loan by mortgaging your residential or commercial property—without selling it. Ideal for business expansion, working capital, education, medical needs, or debt consolidation.
🧱 Types of Piramal Capital Loan Against Property
| 🏷️ LAP Type | 🧩 Suitable For | 🎯 Typical Usage |
|---|---|---|
| 🏠 Residential LAP | Self-occupied or rented homes | Personal or business needs |
| 🏢 Commercial LAP | Offices, shops, showrooms | Business growth |
| 🌍 Site / Plot Mortgage | Non-agricultural plots | Capital requirements |
| 🏬 LRD (Lease Rental Discounting) | Rented commercial property | Loan based on rental cash flows |
| 🔄 LAP Balance Transfer | Existing LAP borrowers | Lower EMI & better terms |
✅ PoketCare Pro Tip 💡
If your property has stable rental income, LRD can unlock higher eligibility than regular LAP.
📊 Piramal Capital LAP – Features & Loan Details
| 🔍 Feature | 📌 Details |
|---|---|
| 🔁 Interest Rate Type | Floating Interest Rate |
| 📉 Interest Rate | Risk-based, competitive for strong profiles |
| ⏳ Maximum Tenure | Up to 15–20 years |
| 📈 Loan to Value (LTV) | Up to 70% (property & profile dependent) |
| 💰 Loan Amount | ₹10 lakh to ₹5 crore+ |
| 🏠 Eligible Properties | Residential, Commercial, Plot, LRD |
| 🔄 Balance Transfer | Available with top-up options |
| ⚡ Approval Speed | Faster with pre-verified documents |
✅ PoketCare Pro Tip 💡
Higher LTV sounds attractive—but ensure EMI comfort. PoketCare structures loans for cash-flow safety, not just approval.
🛡️ Loan Protection Insurance (Strongly Recommended)
Safeguard your family and property by covering your LAP liability against uncertainties.
Recommended Insurance Options:
✔ ICICI Prudential Credit Protect
✔ HDFC Life Loan Secure
✔ Tata AIA Loan Care
✅ PoketCare Pro Tip 💡
Loan insurance ensures your property remains protected even if income stops unexpectedly.
👥 Ideal Borrowers & Eligibility Criteria
✔ Who Can Apply?
- 👨💼 Salaried professionals
- 🧑💻 Self-employed professionals
- 🏢 Business owners & MSMEs
- 👨👩👧 Co-applicants: spouse, parents, earning children
📋 Eligibility Snapshot
- Minimum Fixed Income:
- Salaried: ₹25,000/month+
- Self-employed: Stable & documented income
- Age: 21–65 years (at loan maturity)
- CIBIL Score: 700+ preferred
- Property: Clear title, approved & marketable
💡 Other income such as rent, spouse income, or business profit can be clubbed to enhance loan eligibility.
✅ PoketCare Pro Tip 💡
Adding a co-applicant with clean credit can reduce interest rate and increase loan amount.
Documents Checklist
🧾 Salaried Applicants
- PAN & Aadhaar
- Last 3–6 months salary slips
- Last 6 months bank statements
- Form 16 / ITR
🧾 Self-Employed Applicants
- PAN & Aadhaar
- Last 2–3 years ITR with computation
- Business proof / GST (if applicable)
- Bank statements (12 months)
🏠 Property Documents
- Sale deed / conveyance deed
- Approved plan & occupancy certificate
- Latest property tax receipt
- Encumbrance / title clearance documents
✅ PoketCare Pro Tip 💡
Property documentation quality decides approval speed more than income—get it checked before applying.
💸 Piramal Capital Loan Against Property Charges
🔹 Pre-Disbursement Charges
| 💼 Charge Type | 💰 Indicative Amount |
|---|---|
| Processing Fee | 1% – 2% of loan amount + GST |
| Legal & Valuation | As per actuals |
| Login / Admin Fee | As applicable |
🔹 Post-Disbursement Charges
| 🧾 Charge Type | 📌 Details |
|---|---|
| Prepayment / Foreclosure | As per lender policy |
| EMI Bounce Charges | Applicable per instance |
| Late Payment Penalty | As per agreement |
| MOD / Stamp Duty | State-specific |
✅ PoketCare Pro Tip 💡
Always ask for sanction letter fee breakup—that’s where hidden costs show up.
🌟 Benefits of Piramal Capital Loan Against Property
- 🏦 High LTV for eligible properties
- ⏱️ Long tenure for manageable EMIs
- 🔄 Easy balance transfer options
- 💰 Large loan amount for MSMEs
- 🧾 Flexible end-use of funds
- 🔐 Transparent & structured lending
Useful Links for Borrower
👉 Apply for Loan Against Property:
https://www.poketcare.com/loan-against-property
👉 Check CIBIL Score:
https://www.poketcare.com/cibil-credit-score
👉 Use EMI Calculator:
https://www.poketcare.com/emi-calculator
✅ PoketCare Pro Tip 💡
Multiple random applications hurt CIBIL. PoketCare applies only where approval chances are highest.
🧠 Conclusion
Piramal Capital Loan Against Property is a powerful solution for borrowers seeking high-value funding with flexible eligibility. With PoketCare, you don’t just apply—you apply strategically, save on interest, and protect your property long term.
🏡 Convert your property into growth capital—without selling it.
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