Loan Against Property (LAP) is the fund obtained by mortgaging either the residential, commercial or industrial property. The loan is available at your disposal in critical financial situations like:
- Debt consolidation
- Expansion of business in the manufacturing, trading or service sectors
- Maintain working capital for regular cash flow
- Higher Education for your son or daughter
LAP< is known by several variants like Term Loan, Secured Loan, and the Mortgage Loan. It is a multipurpose loan that also provides an easy funding route in conditions like planning higher education of your child or marriage or to grab an opportunity that is worth every rupee.
If you want to reduce the rate of interest of your existing LAP, Joy Loan is here to help. Along with loan transfer, you can get a top-up at high LTV (loan to property value ratio), which can be as high as 100% of your property value. For a top-up, your repayment track record and other income assessment methods can work beneficial for you e.g. liquid income assessment and average bank balance, etc.
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Flexible Options on Loan Against Property
Joy Loan is the premium property loan agency and consultants in Delhi, NCR. We have several years of experience in managing and arranging property loans on a short call.
Whether you need a loan against residential property, industrial property, or commercial property, Joy Loan will help you to avail it on attractive ROI. We have every resource to offer you loan against property on flexible interest rates and tenure. Basis of your need, LAP has a Flexi loan facility, which is advantageous for you to make a withdrawal from available pre-sanctioned loan. And the more exciting part is that you always have the option to repay the loan on property before the completion of tenure.