About Us

We bring to you a secured loan pledged against your property as collateral or security. These customized property loans are equally beneficial for self-employed as well salaried individuals.

Also known as mortgage loans, their interest rates are as low as 8% per annum*. Whether it's your unforeseen medical expenses, personal expenses such as weddings, or crucial ones like your child’s education, we enable you to do it all.

We also offer you a simple application process online. Our dedicated team of professionals will facilitate the process for your further convenience.

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Rurash Loan Against Property

Features & Benefits

Process To Apply For Loan Against Property

Who can apply?

Documents Required For Salaried Employees:

Documents Required For Self-Employed Individuals


LAP as we call it is a secured loan against residential or commercial property. These loans are usually offered at a lower interest rate as compared to a personal loan or business loan. Banks, housing finance companies and NBFCs are the major providers for loans against property.

Flats, common apartment, residential house or any other self-occupied residential property

Office buildings, malls, shops, complexes, and other constructed commercial property

No, it's important to insure the property to be used as collateral. Moreover, the insurance cover has to provide protection against calamity and fire-caused damages.

Borrowers can get up to 55% off the commercial properties market value and 60% of the residential properties market value. But it is advisable to speak to a customer representative since conditions are applied.
The repayment period usually commences the very next month after the loan disbursal month. However, you should speak to the customer care representative for full details.
The loan eligibility is calculated based on the borrower’s repayment capacity. That depends on factors like age qualification income, co-applicant’s income, and others.
No, borrowers do not get any tax deduction for a LAP. As per regulations, GST will also be charged as applicable.

You can apply for a joint loan with another earning co-applicant for increased eligibility and loan amount

High LTV on the market value of both residential and commercial properties

Transparent and convenient process promising maximum speed and great customer support

Personalized and tailor-made according to your individual needs

Serves as an option for multi-purpose usages such as business expansion, child education, personal expenses like vacations or weddings, or a medical emergency

Lower interest rates compared with personal or other types of loans.

Offers tax benefit under section 37 (1) of the income tax act 1961

Ensures maximum utilization of property by allowing borrowers to avail loans up to 50-70% of the value of the property

Ownership of your property remains with the borrower

Quick approval process

Prompt disbursement

Easier process for foreclosure.

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