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Turn your property into a powerful financial asset-whether through a mortgage or loan against property, unlock new opportunities with the value you already own.
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Unlock the value of your property with professional assistance for Mortgage Loans and Loan Against Property (LAP). HIVA Professionals provides complete support in eligibility evaluation, documentation preparation, and bank coordination to ensure smooth and timely loan approval.
A Mortgage Loan is a secured loan where immovable property is pledged as collateral to obtain funds from a bank or financial institution. Loan Against Property (LAP) is a type of mortgage loan that allows individuals or businesses to raise funds by mortgaging residential, commercial, or industrial property while retaining ownership.
This is the most common type of mortgage loan where a residential or commercial property is pledged as collateral to obtain funds. Banks usually provide loans up to a certain percentage of the property’s market value.
In this facility, the borrower receives a credit limit based on the property value and can withdraw funds whenever required. Interest is charged only on the amount used, making it suitable for businesses with fluctuating financial needs.
A top-up loan is an additional loan provided over an existing LAP. It can be obtained from the same bank or after transferring the loan to another lender, depending on eligibility and property value.
Under this type, a loan is provided against the rental income generated from a property. Banks assess the rent agreement and cash flow from rental income before approving the loan amount.
This facility allows borrowers to transfer their existing LAP to another bank offering better interest rates, lower charges, or improved loan terms. It may also provide an option for an additional top-up loan.
Mortgage Loan or Loan Against Property (LAP) can be applied through banks or financial institutions by pledging residential or commercial property as collateral.
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