In times of urgent financial need, selling your assets isn’t your only option. A Loan Against Property (LAP) is a smart and effective way to raise large funds without letting go of your hard-earned property. At Shubham Housing Finance, we understand the value of your property and offer personalized LAP solutions that work for India’s real economy.
Whether you need money for your child’s education, medical expenses, business expansion, or debt consolidation, a LAP can provide a significant amount at lower interest rates compared to personal loans. And with Shubham, you also get the benefit of a human-centric, transparent, and inclusive lending process.
What is a Loan Against Property (LAP)?
A Loan Against Property is a secured loan where you pledge your residential or commercial property as collateral to avail a loan. The loan amount is determined based on the market value of the property and your repayment capacity.
At Shubham Housing Finance, our LAP product is designed especially for individuals who have:
- Limited or no formal income proof
- No prior credit history
- Unregistered or informal income sources
We evaluate applicants not just through documents but through ground-level verification and personal interviews to ensure that deserving borrowers are not left behind.
Why Choose LAP from Shubham Housing Finance?
1. Inclusive Lending for Real India
Our focus is on serving self-employed individuals, small traders, kirana store owners, auto drivers, tailors, and others who often get ignored by traditional lenders. Shubham’s unique underwriting model allows us to understand informal incomes and offer fair loans.
2. High Loan Value with Competitive Interest Rates
Borrow up to a substantial percentage of your property’s value with attractive interest rates and long tenures, making repayment easy and affordable.
3. Flexible Repayment Options
Choose a tenure that suits your cash flow—whether 5 years or up to 15 years. Our team works with you to create an EMI plan that fits your financial reality.
4. Easy Documentation
You don’t need piles of paperwork. Shubham accepts alternative documents like utility bills, rent receipts, and even photos of your business or workplace to evaluate your income and stability.
5. Quick Processing and Disbursement
Once verified, your loan can be disbursed within a few working days. Our team ensures a seamless process with minimal hassles and maximum clarity.
6. Use for Any Purpose
Funds received through a LAP can be used for a wide range of needs:
- Children’s higher education
- Health emergencies
- Home renovation
- Business working capital
- Marriage or travel expenses
There are no restrictions—your property can work for you without being sold.
Empowering Through Financial Literacy
We believe a borrower who understands finance is a more confident borrower. That’s why we offer counseling, EMI planning, and repayment guidance—ensuring our customers never feel lost in the loan journey.
Final Thoughts
A Loan Against Property is a powerful tool that turns your property into a source of opportunity, not just shelter. At Shubham Housing Finance, we don’t just lend—we uplift, we include, and we empower.
If you’re looking to unlock the value of your property for a better future, talk to us. With personalized service, flexible options, and zero judgment, Shubham is here to help you turn life’s challenges into milestones.
