Need large funds for personal needs but want lower interest rates and flexible repayment terms? A Personal Loan Against Property (LAP) could be the ideal solution for you. Backed by your owned property, a LAP offers high-value funding from ₹10 Lakhs up to ₹2 Crores — without the high EMIs of unsecured loans.

Whether it’s for your child’s education, a family wedding, medical emergency, home renovation, or even debt consolidation, a LAP lets you tap into your property's value without selling it.

Let’s explore how you can benefit from a Personal Loan Against Property with high loan amounts and smart terms.

What is a Personal Loan Against Property?

A Personal Loan Against Property is a type of secured loan where you mortgage your residential or commercial property to get a large sum of money. The “personal” part refers to your freedom to use the loan amount for any purpose — unlike home or car loans, which are tied to specific assets.

This makes LAP one of the most versatile and affordable financial solutions available.

Key Highlights of LAP from ₹10L–₹2Cr

Feature	Details
Loan Amount	₹10 Lakhs to ₹2 Crores (or higher for eligible applicants)
Interest Rate	Starting from as low as 8% p.a.*
Tenure	Up to 15 years
Collateral	Residential or commercial property
Usage	No end-use restrictions – business, education, healthcare, etc.
Approval Time	Fast-track processing with minimal documentation

When Should You Consider LAP?

To fund overseas or higher education
To manage a medical emergency
To finance a wedding or major life event
To start or grow a business
To renovate your home
To consolidate high-interest loans

A LAP gives you the freedom to use funds your way — without financial strain.

Who Can Apply?

Both salaried and self-employed individuals can apply for a Loan Against Property.

Eligibility Criteria

For Salaried Applicants:

Age: 21 to 60 years
Minimum 2 years of work experience
Stable monthly income and credit score

For Self-Employed Applicants:

Age: 25 to 65 years
Minimum 3 years of business operations
Valid income proof and property ownership

Required Documents

PAN Card & Aadhaar Card
Income proof (salary slips or ITRs)
Bank statements (last 6 months)
Property ownership documents
Address proof (utility bills, passport, etc.)

How to Apply Online for LAP

Visit SwipeLoan or your lender’s LAP portal
Fill in basic personal & property details
Upload required documents
Get instant eligibility check and loan quote
Complete verification and property assessment
Loan gets disbursed directly into your bank account

The process is fast, digital, and fully secure — with expert support every step of the way.

Why Choose a LAP over a Personal Loan?

Feature	LAP	Personal Loan
Loan Amount	₹10L to ₹2Cr+	Up to ₹25L
Interest Rate	Lower (8–11%)	Higher (12–20%)
Tenure	Up to 15 years	Up to 5 years
Collateral	Required	Not required
EMI	Lower	Higher

If you own property, LAP is a smarter and more affordable borrowing option for big-ticket expenses.

Apply Now & Get Funded Confidently

With SwipeLoan, getting a Personal Loan Against Property is simple, secure, and fast. Enjoy the benefits of:

Low interest rates
Higher loan eligibility
Long-term repayment flexibility
No hidden charges
Trusted personal banking experience

SwipeLoan – Where Your Property Works for You

Personal Loan Against Property (LAP) up to ₹10L–₹2Cr