Loans

Loan Against Property

Leverage your residential or commercial property to raise long-term funds for business or personal needs.

10,000+ Happy Clients Across Northeast India
Fast Approval Flow
AI Processed
Interest Rate
8.75%
Min Amount
₹5,00,000
Max Amount
₹10,00,00,000
Tenure
5 to 20 years

Why Loan Against Property Matters

Unleash the value of your property. Loans against residential or commercial real estate with long tenures. Shani Finserve provides customized, AI-driven assistance matching you with the leading lenders and AMCs across Northeast India to guarantee the lowest processing fees and competitive rates. Our platform ensures seamless, paperless execution with priority routing.

Key Product Highlights

Discover the cutting-edge features that make our loan against property solution the best choice for your financial goals.

Lower ROI

High Loan Values

Multi-Purpose Use

Why Choose Us for Loan Against Property

Lower interest rate than Personal Loan

High disbursal amount

Continue occupying property

Interactive EMI Planner

Simulate your future cash outflows with our real-time smart visualizer.

Loan Amount ₹10,00,000
Interest Rate (p.a) 10.5%
Time Period (Years) 5 Years
Estimated Monthly EMI

₹21,494

Principal Amount ₹10,00,000
Total Interest ₹2,89,637
Total Value ₹12,89,637

Eligibility Criteria

  • Age: 21–65 years
  • CIBIL score: 680+
  • Commercial or residential property title

Documents Required

  • Property papers
  • Income certificate / ITR
  • PAN & Aadhaar Card

Interest Rates & Product Charges

100% transparent pricing with zero hidden fees. Compare our parameters below.

Parameter Product Value
Expected Rate / Returns 8.75% – 14% p.a.
Processing / Entry Fee 0.5% – 2%
Minimum Amount ₹5,00,000
Maximum Amount ₹10,00,00,000
Time Horizon 5 to 20 years

Frequently Asked Questions

Got questions? We've got answers. Explore our knowledge base for quick clarifications.

Can I use a self-occupied home for LAP?

Yes, residential, commercial, or industrial properties are eligible.

Built for Northeast India

Shani Finserve bridges the gap between global financial solutions and local MSMEs, tea garden entrepreneurs, and emerging investors across Assam and the Northeast. Your trusted regional partner for wealth and capital.

Guwahati Dibrugarh Tezpur Jorhat Tinsukia Sivasagar
24-Hour Express Review

Ready to unlock your potential?

Fill out this secure application. Our certified financial planners will review your profile and match you with the best available terms instantly.

  • Bank-grade 256-bit security
  • No impact on CIBIL score to check
  • Dedicated private advisor
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