If you own a property and need access to a large sum of money — whether it’s for expanding your business, managing a medical emergency, funding your child’s education, or even upgrading your home — a Loan Against Property (LAP) might be your best bet. But one question that always comes up is:

“How much loan can I actually get against my property?”

Let’s break it down in a simple, human way — no jargon, just facts.

💡 What Is Loan Against Property?

A Loan Against Property is a secured loan where you pledge your residential, commercial, or industrial property as collateral to get funds. Because it’s backed by a physical asset, lenders like Suvidha Finance can offer you higher loan amounts at lower interest rates compared to personal loans.

💰 Factors That Determine Your Loan Amount

The amount you can borrow against your property isn’t a fixed number. Several factors come into play:

1. Market Value of the Property

This is the most crucial factor. Generally, lenders offer up to 50%–70% of the current market value of your property. For example, if your property in Hisar, Haryana is valued at ₹1 crore, you could be eligible for a loan ranging from ₹50 to ₹70 lakhs.

2. Type of Property

Residential properties tend to get higher loan-to-value (LTV) ratios than commercial ones. Also, fully constructed properties are favored over under-construction ones.

3. Your Income & Repayment Capacity

Your monthly income and other financial obligations help determine how much EMI you can comfortably pay. This plays a role in fixing your loan eligibility.

4. Credit Score

A good CIBIL score (700 and above) improves your chances of getting a higher loan amount and better interest rates.

5. Documentation & Legal Clearances

Properties with clear titles, proper approvals, and updated tax records are eligible for higher loans.

📍 LAP in Hisar, Haryana – Why Suvidha Finance?

At Suvidha Finance, we understand the value of your hard-earned assets. Our team offers personalized LAP solutions across Hisar and nearby regions with:

• Quick processing

• Transparent documentation

• Competitive interest rates

• Customized repayment options

We guide you at every step — from property evaluation to disbursal.

📞 Ready to Know Your Eligible Amount?

Don’t rely on guesswork. Connect with us for a free property evaluation and find out exactly how much you can borrow.

📱 Phone: +91 83970 44041
📧 Email: info@suvidhafinance.com
🌐 Website: www.suvidhafinance.in