Loan Against Property
Loan Against Property – Unlock the True Value of Your Property
A Loan Against Property (LAP) is one of the smartest ways to raise large funds at lower interest rates by leveraging your residential, commercial, or industrial property. At DigitalLoanDost, we help you unlock the hidden potential of your property to meet your personal or business financial needs efficiently.
Why Choose Loan Against Property?
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Higher Loan Amounts – Get up to ₹5 crores or more depending on property valuation and eligibility.
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Low Interest Rates – Starting from just 8.5% p.a., much lower than personal loans.
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Flexible Tenure – Repayment period of up to 20 years.
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Use for Any Purpose – No restrictions on end use – perfect for both personal and business needs.
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Quick Processing – Fast approvals and disbursals with DigitalLoanDost’s smooth process.
Who Can Apply?
- Salaried professionals working with MNCs, Govt., or private firms
- Self-employed individuals, entrepreneurs, or professionals (Doctors, CAs, Architects)
- Property owners with clear title deeds and sufficient repayment capacity
Documents Required
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Identity Proof – Aadhaar, PAN, Passport
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Address Proof – Utility bills, Voter ID, Driving License
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Income Proof – Salary slips or ITRs for last 2–3 years
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Property Documents – Title deed, approved plan, latest tax receipts
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Bank Statements – Last 6 months
How to Apply at DigitalLoanDost?
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Check your eligibility in 2 minutes
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Fill out the online application with basic details
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Upload required documents securely
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Get approval and disbursal within 48–72 hours
Why DigitalLoanDost?
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Trusted partners with top banks & NBFCs
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100% digital & secure processing
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Fast turnaround time with minimal paperwork
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Dedicated loan advisor support
Apply Now for Loan Against Property at DigitalLoanDost
Tap into your property’s value and fund your goals with confidence. Get the lowest rates, fastest disbursal, and maximum value — only at DigitalLoanDost.
Frequently Asked Questions
What is the minimum credit score required for a personal loan in India?
Most lenders prefer a credit score of 750 or above for easy approval. However, some NBFCs may offer loans for scores as low as 600 with higher interest rates.
Can I get a loan without a salary slip or income proof?
It’s difficult but not impossible. Some lenders offer loans against gold, property, or fixed deposits, which don’t require income proof. DigitalLoanDost focuses on salaried/self-employed individuals with minimal documentation.
How long does it take to get a personal loan approved?
With platforms like DigitalLoanDost, loan approvals can be instant, and disbursal may happen within 24 hours after verification.
Is it safe to apply for loans online in India?
Yes, applying for a loan online is safe if done through trusted and RBI-regulated platforms like DigitalLoanDost. Always verify the lender’s credentials.
What happens if I default on my loan EMI?
Missing EMIs can lead to late fees, damage to your credit score, and even legal action in extreme cases. Always inform the lender in advance if facing financial difficulty.
Do I need collateral for getting a personal loan?
No, personal loans are unsecured, meaning they don’t require any collateral like property, gold, or assets.
Which type of loan is best for small business owners?
Business Loans or MSME Loans are tailored for small business needs. They offer easy eligibility, minimal paperwork, and fast disbursal, especially for GST-registered or Udyam-certified businesses.
Are there any tax benefits on loans?
Yes, certain loans like home loans and education loans come with tax benefits under sections 80C, 24(b), and 80E of the Income Tax Act.