LAP · 6 min read · 2 Jul 2026
When a loan against property is the cheaper path
LTV, legal due diligence, and why LAP beats stacking personal loans for business expansion.
If you need more than ₹10–15 lakh and own a clear-title home in Bangalore, LAP rates are usually well below unsecured business loans.
The trade-off is time: legal and technical valuation add 7–15 days versus a personal loan.
Never pledge the only house for speculative trading. Use LAP for assets or business cash flows that can service the EMI.
Ask for a dropline OD if you want to draw and repay like a current-account limit rather than a fixed term loan.
