Unlock the Value of Your Property Smart Finance, Big Possibilities
If you own property (residential, commercial, or industrial) and are looking to free up liquidity for business expansion, investment, personal goals or debt consolidation — our secured loan product allows you to tap into that equity. With a Loan Against Property (LAP) from Nihal Finserv, you keep ownership of your asset while gaining access to significant funds.
Why Choose Nihal Finserv for Your Personal Loan?
Who Is Eligible?
Typical eligibility criteria for a LAP at Nihal Finserv:
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You must be a property owner (holding a clear title) of residential/commercial real estate in India.
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A stable income or business cash flow to service the EMIs and the loan.
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Acceptable credit history and manageable existing obligations.
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Age typically between 25-65 years at loan maturity (varies by lender).
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Documents: property title deed, KYC (identity/address), income proof (salary/business), bank statements, valuation reports (as required) etc.
Leverage your asset, retain ownership
You pledge your property as collateral yet you continue to retain and use it (subject to lender terms).
Higher amounts, longer tenure
Because the loan is secured, you can access larger funds and choose extended repayment terms.
Competitive Interest
Secured nature allows more attractive rates compared to many unsecured options.
One-stop efficient process
Simplified documentation, property valuation, verification and prompt communication.
Flexible Use
Whether for business growth, debt consolidation, higher education, medical/capital expense or personal goals — the fund is yours to utilise.
Supportive advisory
Our team at Nihal Finserv helps you understand value, tenure, EMI and repayment implications so you make an informed decision.
How the Process Works
A Few Things to Consider
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While this is a secured loan (you pledge property), your liability is still binding — missed EMIs can lead to legal recovery under security laws.
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Choose a tenure and EMI you are comfortable with — consistent servicing is key.
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Consider your income stability, business/earnings outlook and future cash flows before committing.
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Understand all charges — processing fees, valuation charges, legal/mortgage registration costs, pre-payment charges (if any), late payment penalties.
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Maintain clear property documentation and keep track of your EMI schedule to protect both your credit and asset.
Key Features at a Glance
Loan Amounts
Up to a significant proportion of the market value of the property (subject to eligibility, property type, location & valuation).
Repayment Tenure
Longer tenure possibilities (e.g., 5-15 years) to reduce EMI burden (actual tenure depends on lender policy and borrower profile).
Competitive Interest Rates
At Nihal Finserv, the Competitive rates for secured product (lower compared to unsecured loans) — exact rate subject to profile & property.
Property Types Accepted
Residential & commercial properties, ready-possession or completed, sometimes even acceptable under-construction (depending on lender policy).
Use of Funds
The loan which approved by Nihal Finserv is for Business expansion, capital expenditure, major purchase, personal goals, debt consolidation or other lawful purpose.
Ownership Continuity
You continue to use or lease your property (subject to lender’s conditions) while loan is working; title remains with you subject to hypothecation/mortgage. Nihal Finserv will help in all the ways.
types of Property against which LAP
Self-owned Residential Property
Use your owned residential property to access funds without selling it. Ideal for individuals looking to leverage their property’s value for personal or business needs.
Self-owned and Self-occupied Residential Property
Get a loan on your home while continuing to live in it. Nihal Finserv ensures flexible terms so you can unlock liquidity without disrupting your lifestyle.
Self-owned but Rented Residential Property
Earn rent and raise capital at the same time. Avail a LAP against your rented home and continue receiving rental income throughout the loan tenure.
Self-owned Piece of Land
Utilize the market value of your owned plot or land parcel to secure funding for business expansion, construction, or personal goals — without selling the asset.
Self-owned Commercial Property
Leverage your office, shop, or other business premises to meet working capital needs or expansion plans, with attractive rates and longer tenures.
Self-owned but Rented Commercial Property
Raise funds against your income-generating commercial property. Continue earning rental income while using the loan for business growth or other financial objectives.