A Loan Against Property (LAP), also known as a mortgage loan, is one of the most powerful financial tools available today. It allows property owners to unlock the value of their residential or commercial property to meet high-value financial needs.

What Is a Loan Against Property?

A mortgage loan is a secured loan where you pledge your owned property as collateral to avail funds. Since the loan is secured, interest rates are lower and repayment tenures are longer compared to personal loans.

Who Can Apply for a Mortgage Loan?

• Salaried individuals

• Self-employed professionals

• Business owners

• Property owners with clear title

The property can be residential, commercial, or even land in certain cases.

Uses of Loan Against Property

One of the biggest advantages of LAP is flexibility. Funds can be used for:

• Business expansion

• Working capital

• Education expenses

• Medical emergencies

• Debt consolidation

• Real estate investments

Key Benefits

• High loan amount eligibility

• Lower interest rates

• Longer tenure (up to 15–20 years)

• Flexible end-use

• OD facility options available

OD Facility Against Property

Many lenders offer Overdraft (OD) facility against property, where interest is charged only on the amount used. This is ideal for businesses and developers who need flexible cash flow.

Documents Required

• Property documents

• Income proof

• Bank statements

• Identity & address proof

Legal verification of property is mandatory before approval.

Why Choose Ace Kapital Loans for Mortgage Loans?

Ace Kapital Loans specializes in high-value mortgage funding, OD facilities, and customized LAP solutions in Bangalore and Mysore. Our experts ensure:

• Maximum loan eligibility

• Faster legal clearance

• Best interest rates

• Structured repayment plans