Specialised Loans
Use property you already own to fund a larger goal — expansion, education, a business need or debt consolidation.
When a personal loan is too small and a fresh home loan does not fit, the property on your balance sheet can do the work. Finbridge structures loan against property, home-equity and commercial-property funding — matching lender, loan-to-value and tenure to why you actually need the money.
What You Get With Specialised Loans
Larger Ticket, Longer Tenure
Property-backed loans go well beyond personal-loan limits, at secured-loan rates and tenures.
End-Use Flexibility
Business working capital, expansion, education, a medical need, or consolidating costlier debt.
Residential Or Commercial
Fund against a house, a shop, an office or an industrial unit you own.
Valuation You Can Trust
We set realistic expectations on eligible value before you apply, so there are no surprises.
Your Path To A Sanctioned Loan
Loan Against Property (LAP)
Who it’s for Owners of a residential or commercial property who need a large, long-tenure loan for a legitimate purpose.
Borrow against a property you own by mortgaging it to the lender. LAP unlocks a much larger amount than an unsecured loan, at a lower rate and over 10–20 years, in exchange for the property staying charged until the loan is repaid.
- Funds can be used for business, education, medical or consolidating costly debt
- Both self-occupied and rented properties are usually eligible
- Existing home loan on the property may still allow a top-up
- Funding50–70% of market value
- TenureUp to 15–20 years
- PropertyResidential or commercial
Home Equity
Who it’s for Existing home-loan borrowers whose property value has grown well past the outstanding loan.
A top-up that draws on the equity in your current home — the difference between its present market value and what you still owe. It is quicker than a fresh loan because the lender already holds your papers.
- Typically priced close to your home-loan rate
- Useful for renovation, a second property margin, education or business
- No fresh mortgage formalities if it is with your existing lender
- BasisCurrent value − outstanding
- WithExisting or new lender
Commercial Property Loan
Who it’s for Business owners and investors buying, building or refinancing commercial premises.
Funding for a shop, office, clinic or other commercial space — for your own use or to let out. Lenders assess the property, your business cash flow and, for investors, the expected rental yield.
- Available to salaried, self-employed and business entities
- Construction and refinance, not only ready-property purchase
- Rental income can support eligibility for investor cases
- Funding60–75% of value
- ApplicantSalaried / SE / entity
Specialised Loans — Questions People Ask
How Is LAP Different From A Personal Loan?
Can I Get LAP On A Property That Still Has A Home Loan?
What Can The Money Be Used For?
Apply For Specialised Loans
Get guidance tailored to your goals at every stage of the loan.