Loan Against Property

Overview

Borrow against what you already own.

A Loan Against Property (LAP) is one of the most cost-effective ways to raise large sums — because the lender is secured by your asset, the rates are materially lower than unsecured business or personal loans, and the tenure is longer.

At SHF we evaluate your property's realisable value, match the loan-to-value offered by different lenders, and structure the facility — term loan, overdraft or combination — to fit your cash-flow pattern.

Residential, commercial & industrial property accepted
End-use flexibility — personal or business
Longer tenure than an unsecured business loan

Get a LAP Quote

Key Features

Why LAP With SHF

Lower Cost Than Unsecured

Because the loan is secured, rates are materially lower than a business or personal loan of similar size.

Flexible Structure

Choose a term loan, overdraft, or combination — matched to whether your need is lump-sum or running.

Property-Agnostic

Self-occupied home, rented flat, shop, office, warehouse, factory — we structure against all.

Balance Transfer + Top-Up

Existing LAP at a higher rate? Switch and often take a top-up in the same transaction.

Longer Tenure

Stretches comfortably — easier on monthly cash-flow than a short-tenure business loan.

No End-Use Restriction

Business expansion, education, wedding, debt consolidation, working capital — your call.

FAQs

LAP — Commonly Asked

It depends on the lender's loan-to-value policy, the property's realisable value (not the market rate you think it's worth), and your income-based servicing capacity. We run all three numbers before giving you a realistic range.

Yes. LAP has no end-use restriction (except speculative activities). Using it for business expansion or working capital is common and often cheaper than an unsecured business loan.

As with any secured loan, consistent default can lead the lender to enforce its security. That said, LAP lenders are typically willing to restructure in cases of temporary hardship — and we're on your side in any such conversation.