Loan Against Property

inquiry@purefinance.in

Welcome to RKPF

“Get Your Loan Against Property – With Minimal Paperwork and Maximum Trust”

“Leverage your property to access high-value funds for business or personal needs — with fast approvals, flexible repayment, and complete transparency.”

About Loan Against Property

Your property can do more than just stand as an asset — it can power your growth. RKPF’s Loan Against Property (LAP) enables you to unlock funds by mortgaging your residential, commercial, or industrial property — without selling it.

Whether you are a business owner seeking working capital, planning to purchase commercial space, converting rental income into liquidity through Lease Rental Discounting (LRD), or a salaried professional looking for higher eligibility through Salaried LAP, we offer solutions tailored to every need.

Enjoy quick processing, flexible tenures, competitive rates, and transparent terms — all backed by RKPF’s trusted financial expertise.

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Key Features

Attractive Interest Rates

Enjoy competitive interest rates starting at just 15% p.a., making your LAP more affordable than most unsecured loans.
Flexible Repayment Options

Choose loan tenures up to 15 years with easy EMIs. You can make part-prepayments or full prepayment anytime, with a nominal 4% charge as per policy.
High Loan Amounts

Avail up to 75% of your property’s value, ensuring access to substantial funds when you need them most.
Retain Property Ownership

Continue to own and occupy your property while enjoying the loan benefits — no disruption to your lifestyle or business.
No Usage Restrictions

Use your LAP funds for business expansion, debt consolidation, inventory funding or personal needs.
Balance Transfer Facility

Transfer your existing LAP from another lender to RKPF for better rates, lower EMIs, and improved flexibility.
Top-Up Loan Option

Top up your existing LAP quickly without extensive documentation or property revaluation.

LAP Process Flow

Apply Loan

Submit your application online quickly and securely in just a few minutes.

KYC Verification

Complete digital KYC and OTP verification for seamless identity confirmation.

Property Valuation & Eligibility

We evaluate your property and determine your personalized eligibility criteria.

Loan Approval & Sanction

Receive in-principle approval within 1 day and a transparent sanction letter.

E-Sign & Disbursal

Digitally sign documents and receive funds in your bank account within 2 working days.

Post-Disbursal Support

Track your loan, manage EMIs, foreclose, or make part-payments with ongoing support.

Who Can Benefit

1. Self-Employed Professionals

Doctors, architects, chartered accountants, and consultants seeking funds for expansion or working capital.
2. SALARIED INDIVIDUALS

Working professionals with stable income can leverage their property to access funds for personal needs, debt consolidation, or major expenses.
3. Business Owners & Entrepreneurs

Those looking to grow or stabilize their businesses using property as collateral.
4. Property Owners

Individuals owning Gram Panchayat, Industrial, Rented Residential, Plot, SOCP & SORP who wants to unlock its value.
5.Borrowers with Existing Loans

Customers wanting to transfer their existing LAP to RKPF for better interest rates or take a top-up loan on the same property.

Eligibility Criteria

General Information

Age: 25 to 65 years (at the time of loan maturity)
Ownership: Must own the property offered as security
Business Stability: Business should be active for at least 1 year
Income Requirement: Must have stable income or healthy business turnover

Documents Required

Identity Proof : Aadhaar Card, PAN Card, Passport, or Voter ID
Address Proof: Aadhaar Card, Utility Bill, Passport, or Driving License
Business Proof: GST certificate, business registration, partnership deed (if applicable)
Income Proof: ITR for last 2 years / bank statements (last 12 months)
Property Documents: Sale deed, title deed, property tax receipts, approved building plan

Calculate Your EMI

Frequently Asked Questions (FAQs)

What is a Loan Against Property (LAP)?

A secured loan where you mortgage your property to raise funds for business or personal use.
Who can apply for a LAP?

Self-employed individuals, business owners, and professionals who own property can apply.
What types of properties are eligible?

Residential, commercial, or industrial properties with clear ownership and valid documentation are accepted.
How much loan amount can I get?

You can get up to 75% of your property’s market value, depending on eligibility and valuation.
How long does it take for approval and disbursal?

For complete and accurate documents, in-principle approval and documentation can be completed within 48 hours, and funds are disbursed within 7 working days.
What is the interest rate for LAP?

Interest rates start from 15% p.a., subject to eligibility and property profile.
Can I continue using my property after taking the loan?

Yes, you retain ownership and can continue using or residing in the property during the loan tenure.
What is the tenure of a Loan Against Property and Can I repay the loan early?

The maximum tenure is up to 15 years based on borrower profile and repayment capacity and also you can prepay your loan partly or fully anytime, with a nominal 4% prepayment charge as per policy.
Is there a processing fee?

Yes, a processing fee of 1.25% applies, with an upfront ₹5,000 (adjusted against the total fee).
What is the minimum and maximum loan amount offered?

You can avail a minimum loan of ₹25 lakhs and a maximum of up to ₹2.74 crore, depending on the property value and eligibility.
What happens to the property documents if the borrower or property owner passes away?

In the unfortunate event of the borrower’s or property owner’s demise, Ramkrishna Pure Finance Pvt. Ltd. (RKPF) will hand over the original property documents to the legal heir(s) after completion of the required verification process. The legal heir must submit valid legal heir proof, identity documents, and other required documents as per RKPF policy. Once verification is completed and all loan obligations are cleared, the property papers will be released to the rightful legal heir.
Can I transfer my existing LAP from another lender?

Yes, RKPF offers Balance Transfer with lower rates and better repayment flexibility.
Can I apply for a Top-Up Loan?

Yes, existing LAP customers can get a Top-Up Loan for additional financial needs without fresh property evaluation.