The property stays in your name
You are not selling the asset. The lender takes a charge, and release follows their closure process.
Home Loan Against Property
Property-backed credit, placed with the right lender.
A larger secured facility against residential or commercial property that stays in your name. VAP Money prepares the file and coordinates it with banks and NBFCs.
Overview
A loan against property, matched to the title.
Owners who need more than an unsecured loan use this facility when a house, flat, or commercial unit can stand as security. Common uses include business funding, a family commitment, or consolidating borrowing. The property remains in your name, subject to the lender’s charge.
A larger secured facility
Where an unsecured limit is not enough, lenders look at title, value, and income together.
The decision stays with the lender
Amount, interest, fees, and tenure are quoted after legal, technical, and income checks. VAP Money coordinates that application.
Features and benefits
What the arrangement is meant to do.
Lenders that fund against property
The title set and income papers can be discussed with banks and NBFCs that sanction loans against property.
Title before the application
Chain of title, ownership, and income papers are gathered before the lender’s lawyer starts.
A person on the file
The VAP team stays with the application through legal and technical checks, until the lender sanctions or declines.
Repayment on the lender’s terms
EMI and release of the charge follow the sanction letter. We do not quote a rate until a lender has assessed the property.
Eligibility and documents
What lenders usually ask to see.
These are the checks banks and NBFCs commonly apply to a loan against property. The final criteria, including loan-to-value and title, are theirs.
Eligibility
- Ownership of a residential or commercial property the lender will accept.
- A clear title, or a title the lender’s lawyer is willing to rely on.
- Income and banking that can support the proposed EMI.
- A use — business, family, or consolidation — that matches the profile.
Documents
- KYC of the owners and any co-applicants.
- Title papers, chain documents, and the latest tax receipt the lawyer asks for.
- Income papers and bank statements for the period the lender specifies.
- Existing loan statements, if the property or the borrower already has a facility.
How to apply
Three steps from enquiry to the lender’s desk.
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01
Requirement
Share your name, mobile number, and what the loan is for. Use the form on this page.
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02
Papers
We tell you which KYC, income, and banking documents the matched lenders expect.
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03
Decision
The bank or NBFC verifies the file and decides sanction, rate, fees, and when funds are released.
Enquiry now
Tell us the loan against property you need.
Submit the form and the enquiry is emailed to info@vapmoney.com. You can also call +91 98110 52842 or write to info@vapmoney.com.