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Best LAP Offers

Bank Loan Amount Range Interest Rate Range Processing Fee Range Tenure Range Loan Features
100000 - 2000000 14.5 - 23%
Floating
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required
    • Conditional pre-closure and part payment - only after 12 months

Documents


           KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

      • Bank Statement /The Passbook - ( Last 6 months )


Fees & Charges

    • Age at least 23 and less than 60 at the time of loan maturity for Salaried
    • Age at least 23 and less than 65 at the time of loan maturity for Self-Employed
    • Minimum Monthly Income Rs.30,000

Eligibility Criteria


    •  Drop line overdraft loan against property facility can be offered to Indian residents only 

      •  Minimum net profit as per latest year ITR / financials of Rs. 150,000 

      •  Minimum age at which this drop line overdraft loan can be sanctioned is 23 years and maximum age is 65 years.


Perks

    • Door step service
    • Part-payment available
    • No guarantor required
    • E-approval
    • Top-up loan available
    • Balance transfer

RBL Bank:- RBL Bank is one of India’s fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business Banking, Agribusiness Banking, Development Banking and Financial Inclusion, Treasury and Financial Markets Operations. It currently services over 3.15 million customers through a network of 246 branches and 388 ATMs spread across 20 Indian states and Union Territories.

300000 - 20000000 8.8 - 12%
Floating
%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee on floating rate loan 

Documents

     
     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

      For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month)
       (b) Form-16 -( Last 2 year)
       (c)  Bank Statement - ( Last 6 months )



Fees & Charges



Eligibility Criteria


      Salaried individuals :
      • Any individual who is in permanent service in the government or a reputed company.

      • The applicant should be above 24 years of age at the time of loan commencement and upto the age of superannuation

    Self-employed individuals :
      • Any individual filing Income Tax returns can apply

      • The applicant should be above 24 years of age at the time of loan commencement and upto 65 years at the time of maturity

    Self Employed Professionals :
      • Professionals (ie, doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, and management consultants only) can apply .

      • The applicant should be above 24 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity .


Perks

    •  Door step service
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer 

Axis Bank:- Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The bank has a large footprint of 3,304 domestic branches (including extension counters) and 14,163 ATMs across the country as on 31st March 2017. The overseas operations of the Bank are spread over nine international offices with branches at Singapore, Hong Kong, Dubai (at the DIFC), Colombo and Shanghai; representative offices at Dhaka, Dubai, Abu Dhabi and an overseas subsidiary at London, UK. The international offices focus on corporate lending, trade finance, syndication, investment banking and liability businesses. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The share holding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003.

100000 - 2000000 11.49 - 18%
Floating
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No part payment fee                         

Documents


     KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

      • Bank Statement ( last 3 months)  /The Passbook - ( Last 6 months )

      •   Latest Salary Slip with Form 16

      • Education Qualifications Certificate

      • Business Existence


Fees & Charges



Eligibility Criteria

     • Age group- A person whether salaried or self employed with a minimum age of 21 years can apply for LAP. 

      • However, the maximum age for a salaried individual is set at 70 years and for self-employed at 70 years. 


Perks

    • Door step service
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer

ICICI Bank:- ICICI Bank is India's largest private sector bank with total consolidated assets of Rs. 9,860.43 billion (US$ 152.0 billion) at March 31, 2017 and profit after tax of Rs. 98.01 billion (US$ 1.5 billion) for the year ended March 31, 2017. ICICI Bank currently has a network of 4,850 Branches and 13,917 ATM's across India. History  ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary.

500000 - 20000000 8.7 - 0%
Floating
0.25%
Fixed
12 - 360 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee    

Documents


           KYC Documents:

      • Loan Application

      • Passport sized Photographs (3)

      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

      • Bank Statement /The Passbook - ( Last 6 months )


Fees & Charges



Eligibility Criteria

     An individual who is; An Employee or

      •  Professional, self-employed or an income tax assesses or NRIs (Who has residential property or commercial properties in his own name or in the name of spouse / children/parent/sibling)

      •   Minimum net monthly income of Rs. 25000/- (or Rs. 3 lacs per annum)

      •  Loan under LAP should be liquidated before eldest borrower attain the age of 70 years.


Perks

    • Door step service
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer

State Bank Of India:- State Bank of India welcomes you to explore the world of premier bank in India. In this section, you can access detailed information on Overview of the Bank, Technology Upgradation in the Bank, Board of Directors, Financial Results and Shareholder Info. The Bank is actively involved since 1973 in non-profit activity called Community Services Banking. All our branches and administrative offices throughout the country sponsor and participate in large number of welfare activities and social causes. Our business is more than banking because we touch the lives of people anywhere in many ways. Our commitment to nation-building is complete & comprehensive

200000 - 100000000 9.05 - 19%
Floating
999 - 2%
Floating
12 - 360 Months Show Details   

What you'll love

    • No Guarantor required   

Documents

     

     KYC Documents:
      • Loan Application
      • Passport sized Photographs (3)
      • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )
      •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )
      • Bank Statement /The Passbook - ( Last 6 months )

         For Salaried Individuals:
      • Proof of Income :

       (a) Salary slip  - (Latest 2 month)
       (b) Form-16 -( Last 2 year)
       (c)  Bank Statement - ( Last 6 months )

        For Self Employed Individuals( Professional ):
      • Proof of Income :

        (a)  Bank Statement - ( Last 6 months )
        (b)  Balance sheet - (Last 3 years)
        (c)  IT- Returns - (Last 3 years)
        (d)   Profit /Loss Statement -(Last 3 years)


Fees & Charges

    • Preclosure fee = 2%


Eligibility Criteria

    Following salaried individual are eligible for a loan against property:

       Individuals employed in a Multi-National Company, Public Limited Company, large Private Limited Company, State Government, Central Government or PSUs can apply for the loan from Tata Capital 

      •  The minimum age at the time of loan application should be 25 years and the maximum age at the time of maturity of the loan should not be more than 60 years
      •  The individual must be earning at least Rs. 2.4 lakh per annum
      •  The individual must be working for at least last 3 years 

    For Self-employed Professionals:
     

    Doctors, architects or Chartered Accountants can avail the loan under this category.
      • The minimum age at the time of loan application should be 25 years and the maximum age at the time of maturity of the loan should not be more than 60 years
      •  The individual must be earning at least Rs. 2.5 lakh per annum
      •  The individual must be working for at least the last 3 years 

    For self-employed Non-Professionals:
     
    Traders, Retailers and Wholesalers can avail of the loan under this category
      •  The minimum age at the time of loan application should be 25 years and the maximum age at the time of maturity of the loan should not be more than 60 years
      •  The individuals must be earning at least Rs. 2.5 lakh per annum
      •  The individuals must be working for at least the last 3 years 

    Others:
     
      • Firms, private limited companies and public companies can also avail a Loan against Property from Tata Capital if they have an income of at least Rs. 3 lakh every year and the business is at least 3 years old and is showing profit since the last two years.


Perks

    •   Door-step service
    • Part-payment available 
    • Top-up loan available 
    • No guarantor required 
    • Balance transfer 

TATA Capital:- Tata Capital Ltd., a subsidiary of the legendary Tata Sons Limited established in 2007 with the sole aim of providing focused and transparent financial solutions to help people realize their dreams. The interest brought forth Tata Capital Financial Services Limited, a one-stop monetary specialist co-op that takes into account the assorted needs of retail, corporate and institutional clients crosswise over organizations. Enrolled with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Non Banking Financial Company (NBFC), the organization works crosswise over different ranges of business to be specific the Commercial Finance, Infrastructure Finance, Wealth Management, Consumer Loans and dispersion and promoting of Tata Cards. Today, Tata Capital Financial Services Limited is 100 branches old and tallying.

100000 - 2000000 %
Fixed
%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee 

Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs (3)

    • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

    •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

    • Bank Statement /The Passbook - ( Last 6 months )


    For Salaried Individuals:

    • Proof of Income :

    (a) Salary slip  - (Latest 3 month)

    (b) Form-16 -( Last 2 year)

    (c)  Bank Statement - ( Last 6 months )


    For Self Employed Individuals( Professional ):

    • Proof of Income :

    (a)  Bank Statement - ( Last 12 months )

    (b)  Balance sheet - (Last 3 years)

    (c)  IT- Returns - (Last 3 years)

    (d)   Profit /Loss Statement -(Last 3 years)

    • Education Qualifications Certificate

    • Business Existence


    For Self Employed Individuals( Non-Professional /Businessman):

    • Proof of Income :

    (a)  Bank Statement - ( Last12months )

    (b)  Balance sheet - (Last 3 years)

    (c)  IT- Returns - (Last 3 years)

    (d)  IT- Returns - (Last 3 years) of profession

    (e)   Profit/Loss Statement -(Last 3 years)

    • Business proof such as VAT/ service tax registration, incorporation details in case of companies,  copy of partnership deed .

    • Education Qualifications Certificate


    Property documents

    • Registered Sale Deed/ Conveyance/ Lease Deed

    • Past Sale Deeds Chain (each transaction in respect of this property since first allotment

    • Latest House Tax Return/ Receipt

    • Approved Building Plan from Municipal Corporation

    • Business Existence

    • Business profile




Fees & Charges

    • Preclosure fee = 0
    • Part payment fee = 0


Eligibility Criteria


    Salaried:

    •  Minimum Income – Rs.3 Lacs Per Annum.

    • Minimum Age – 23 Years, if income of the applicant / co-applicant is considered, 21 years & if income of the applicant / co-applicant is not considered

    • Maximum Age - 60 Years, if income of the applicant / co-applicant is considered & 70 years, if income of the applicant / co-applicant is not considered

    • Experience – 6 months in current employment, 3 years in total employment

    Self Employed

    • Minimum Income – Cash Profit of Rs.4 Lacs Per Annum

    • Minimum Turnover – Rs. 15 Lacs per annum for service providers / commission income, Rs.10 Lakhs per annum for doctors, Rs.60 Lacs for non service providers

    • Minimum Age – 23 Years, if income of the applicant / co-applicant is considered & 21 years, if income of the applicant / co-applicant is not considered

    •  Maximum Age - 65 Years, if income of the applicant / co-applicant is considered & 70 years, if income of the applicant / co-applicant is not considered

    • No of years in business / profession – minimum 3 years


Perks


    • Door step service
    • E-approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer

Yes Bank:- YES BANK has been recognized amongst the Top and Fastest Growing Banks in various Indian Banking League Tables by prestigious media houses and Global Advisory Firms, and has received several national and international honours for our various Businesses including Corporate Investment Banking, Treasury, Transaction Banking, and Sustainable practices through Responsible Banking. YES BANK is steadily evolving as the Professionals’ Bank of India with the long term mission of “Building the Finest Quality Bank of the World in India” by 2020.



If you need some fast cash,the best way to get it is by mortgaging your property with a bank or a financial organization to get a loan. Termed as loan against property, the interest rates for these loans are considerably lower when compared to other loans.


Why Go for LAP?

  • Flexibility of transaction in your loan account based on your cash flow
  • A credit line to reduce the EMIs with interest being paid only on the amount utilized
  • Limitless pre-payments allowed within a day
  • Principal amount to be paid only at the end of the tenure
  • EMIs are low as they comprise of only the monthly interest amount
Antworks Money Bank Corporate Loan

Finding the Best LAP Offers

Come join hands with Antworks Money and we help you find the best LAP deal based on your requirements and your financial commitments.

Our comparison table helps you compare the LAP deals offered by various renowned banks in the country. With all the essential details displayed in the table, making the comparisons and choosing the most suitable LAP is easy.