Unlock large, lower-cost funds against your residential or commercial property — for business needs, with longer tenure. We prepare your file.
A Loan Against Property (LAP) lets you borrow a substantial amount by mortgaging your residential or commercial property, typically at lower interest and longer tenure than unsecured loans — useful for larger business needs, consolidation or expansion, while you retain ownership and use of the property.
How GovYapar helps: as Chartered Accountants, we prepare the financial documents banks actually want — clean ITRs, GST records, bank-statement analysis, CMA data, projections and a Detailed Project Report (DPR) where needed — and package a strong, well-documented loan file. A well-prepared file meaningfully improves your chances and terms. We don’t guarantee approval (no one honestly can), but we give your application its best shot and connect you with the right lender.
A real Chartered Accountant handles the filing end-to-end.
We review income, property & eligibility.
Financials & documentation readied.
LAP application submitted; valuation coordinated.
Support through legal/valuation to disbursement.
Yes — residential or commercial property can be mortgaged. You retain ownership and use; the property is security. We advise on suitability.
LAP usually offers larger amounts, lower interest and longer tenure because it’s secured — suited to bigger needs. We help you weigh it up.
Title deed, prior chain, tax receipts and approvals — which the lender verifies via legal and valuation checks. We help you organise them.
Yes — loan interest rates, amounts and tenure vary by lender, scheme and your profile, and government scheme limits are revised periodically. We help you compare current offers and confirm the latest rules — we don’t quote fixed rates because they differ for every borrower.