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Need Funds? Use Your Property to Get a Low-Interest Loan
Get a high-value loan at low interest by leveraging your property today!
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Let Your Property Work for You: Loan against Property,
Do you own a house, shop, or office? Great news — you can use it to get a big loan with low interest! This is called a Loan Against Property, and it’s one of the smartest ways to borrow money when you need it
At Shani Finserve, we make this process super easy and stress-free. Whether you need money for your business, your child’s education, a medical emergency, or even a wedding — we’re here to help. Let’s break it down, so you can understand it in the easy way
What Is a Loan Against Property?
A Loan Against Property (also called LAP) is when you take a loan by using your property as security (or collateral). It could be:
You borrow the money, use it for your business, and then pay it back in small amounts every month (with a little interest).
What Is a Loan Against Property?
Unlock your property's value while keeping ownership - get funds for your business needs
Property-Backed Financing
A Loan Against Property (LAP) lets you borrow money by using your property as collateral while retaining full ownership.
Higher Loan Amounts
Lower Interest Rates
Longer Tenure
Tax Benefits
Eligible Property Types
Residential
Houses, ApartmentsCommercial
Offices, ShopsLand
Plots, AgriculturalIndustrial
Factories, WarehousesHow It Works
- Get your property valued by our experts
- Receive approval for up to 60-70% of property value
- Use funds for any business or personal need
- Repay through easy EMIs while keeping property ownership
Smart Financing
Why Choose a Mortgage Loan?
Unlock your property's value while keeping ownership - the smart way to fund your ambitions
Key Benefits
Big Loan Amounts
Get up to 70% of your property's value
Lower Interest Rates
Better rates than unsecured loans
Long Repayment
Flexible tenure up to 15 years
Keep Your Property
Continue using it as before
Who Can Apply?
•
Salaried Individuals
•
Self-Employed Professionals
(Doctors, CAs, Architects, etc.)
•
Business Owners
•
Companies & Firms
All you need is steady income and property ownership
Flexible Usage
Business Growth
Education
Medical Needs
Home Renovation
Debt Consolidation
Ready to unlock your property's potential?
Get competitive rates and flexible repayment options
Calculate EMI Talk to ExpertWhy Choose Shani Finserve for Loan Against Property?
At Shani Finserve, we make borrowing simple, secure, and stress-free. Here’s why people trust us:
High Loan Value
Get up to 70% of your property’s market value — more money, quickly and easily.
Low Interest Rates
Enjoy lower interest than personal loans for lower EMIs and better peace of mind.
Flexible Repayment
Choose a loan tenure between 5 to 15 years — tailor your loan to fit your needs.
Quick Process
Fast approvals with simple steps — we value your time and make it easy.
Minimal Documentation
Just your basic ID, income proof, and property documents to get started — no hassle.
Support That Cares
Friendly experts to guide you every step of the way — online or in person.
Who Can Take a Loan for Business?
Almost anyone who runs a business can apply for our Business Loan
Shop Owners
Retail stores, boutiques, and local shop owners
SMEs
Small and Medium Enterprises
Startups
New businesses with growth potential
Traders & Wholesalers
Wholesale distributors and traders
Freelancers & Consultants
Independent professionals and consultants
Professionals
Doctors, CAs, Architects, and other professionals
Service Providers & Manufacturers
Service businesses and manufacturing units
Whether you have a small store or a growing company
We have loan solutions that fit your business needs
Talk to Our Loan Expert
Business Growth
What Can I Use the Loan For?
Fuel your business ambitions with flexible financing solutions
Buy Stock/Inventory
Keep your shelves full and business running
Pay Salaries/Rent
Manage operational expenses smoothly
Upgrade Equipment
Modernize your tools and machinery
Marketing & Ads
Boost your brand visibility
Open New Branch
Expand your business footprint
Buy Delivery Vehicle
Enhance your logistics capability
Shop Renovation
Refresh your business space
Expand Services
Diversify your offerings
Whatever your business goal is - we're here to help you reach it
Discuss Your NeedsFrequently asked questions
Do I need to give security or property?
Not really. We offer unsecured loans so you don’t have to worry about any collateral.
How fast will I get the money?
You will get the money real fast with us- usually within 48 hours of document approval.
Can a new business or startup apply?
Yes, you can! If you have a business idea or a few months of work, you can apply.
What is the interest rate?
It depends on your profile but is always fair and competitive.
Is it safe to apply online?
Totally! Our online application is secure and trusted by thousands of users.
Have any question?
Ask us anythisg.Do you have a love question you want us to answer?