Key Highlights

Comprehensive Insights of Vital Details for a Holistic Overview of Our Loan Offerings

Interest Rate

Starting from 9% p.a.

Tenure

Upto 20 years

Processing Fee

0.25% to 3%

Loan Amount

Upto ₹25 Crores

Eligibility Criteria

At Finfinity, we believe in making financial opportunities accessible to all. Our Eligibility Criteria serve as the gateway to unlocking tailored financial solutions for your unique needs.

Applicant Type

Resident Indians

Loan Purpose

Begin by selecting from a diverse range of financial products that align with your specific requirements and financial goals.
Applying for a loan with Finfinity is quick and easy. Just click 'Apply Now' and tell us about your needs. No paperwork needed at this stage.

Forget long application forms and confusing processes. At Finfinity, getting a loan is as simple as 1-2-3. Just click 'Apply Now', chat with our representative, and we'll handle the rest.
A friendly RM will be in touch quickly to chat about your needs and help gather any necessary documents. They'll then champion your case for lightning-fast disbursal! We're all about streamlining the process and getting you the funds, you need ASAP.
We're happy to help you wherever you are in India! We have multiple physical locations, conveniently spread across the country, as you can see from the map.

For those outside our physical reach, we're also available digitally pan-India. So, whether you're in bustling Mumbai or serene Srinagar, we're just a click or call away!
Once you submit your Channel registration form, here's what happens next:

1. KYC Checks:

We'll need to verify your identity and business information to comply with regulations. This usually involves submitting official documents like IDs and bank statements.

2. Payout Discussion:

Our team will get in touch to discuss your preferred payout methods and terms. This ensures you receive your earnings conveniently and efficiently.

3. Formal Contract Signing:

Once everything is agreed upon, we'll send you a formal contract to review and sign. This protects both parties and outlines the terms of our partnership.

4. Login Access:

After the contract is signed and KYC cleared, you'll receive your login credentials to access our platform and start logging cases!

Frequently Asked Questions

Unveiling Insights for Your Financial Journey, Answers to all the Most Common Financial Questions.

Apply Now

Explore All Products

How it Works?

What You Are Looking For?

Begin by selecting from a diverse range of financial products that align with your specific requirements and financial goals.

Application Form

Complete a simple application form by providing essential details. Our team will conduct necessary checks to tailor the best-suited offer for you.

Offers

Explore a selection of specifically curated offers tailored to your unique needs. Choose the one that best fits your financial requirements and preferences.

Request Submission

Once you've made your selection, submit the application along with the required documents. Our streamlined process ensures a hassle-free submission experience.

Apply Now

Loan against Property

From bricks to business breakthroughs. As your trusted financial advisor, we empower you to leverage your property for strategic LAP solutions (₹1 lakh - ₹25 crore). No income docs? No roadblocks. We negotiate flexible EMIs (up to 20 years) and optimize interest costs with innovative overdraft facilities. Focus on building your empire, we'll handle the loan landscape. Partner with us and unlock your property's power.

Apply Now

Other Related Products

Begin by selecting from a diverse range of financial products that align with your specific requirements and financial goals.

What You Are Looking For?

Complete a simple application form by providing essential details. Our team will conduct necessary checks to tailor the best-suited offer for you.

Application Form

Explore a selection of specifically curated offers tailored to your unique needs. Choose the one that best fits your financial requirements and preferences.

Offers

Once you've made your selection, submit the application along with the required documents. Our streamlined process ensures a hassle-free submission experience.

Request Submission

What is a Loan against Property (LAP)?

A LAP is a secured loan that allows you to borrow money by using your property as collateral. Think of it as unlocking the value tied up in your property and using it to meet your financial needs.

How is the Loan Amount Determined?

Your loan amount depends on three key factors:

- Your income and repayment capacity: Lenders want to ensure you can comfortably repay the loan, so they will assess your income and existing financial commitments.
- The value of your property: An independent valuation will determine the market worth of your property. Typically, lenders offer up to 75% of the property's value as a loan amount.
- Loan-to-Value (LTV) ratio: This is the percentage of the property's value that a lender is willing to offer as a loan. Banks may have different LTV policies based on the type of property, so comparing offers is crucial.

Does Credit Score Affect LAP Approval?

Absolutely! Your credit score plays a vital role in your LAP approval and even the interest rate you receive. A good credit score (ideally above 700) indicates your responsible financial history and makes you a more attractive borrower to lenders, potentially securing you a lower interest rate.

Is LAP offered to Salaried Individuals?

Yes, salaried individuals with a stable income are eligible for LAPs. Your salary helps demonstrate your repayment capacity and strengthens your loan application.

What type of properties are acceptable for availing LAP?

Most lenders accept both residential and commercial properties as collateral for LAPs. Some may even consider industrial properties under specific conditions. However, older properties, those with disputed titles, or those deemed unsuitable for the requested loan amount might face limitations.