LAP / Mortgage Loans

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Unlock the Value of Your Property

Empowering Business Growth with Tailored Financial Solutions

At ProCap, we help you leverage the power of your assets to secure financing for your business expansion, working capital needs, or personal financial goals. Our Loan Against Property (LAP) & Mortgage Loan Solutions provide flexible funding options at low-interest rates, enabling you to unlock your property’s value while continuing to own and use it.

1. Secured Mortgage Loans

A mortgage loan is a secured financing solution where you pledge your residential, commercial, or industrial property as collateral to access high-value funding at lower interest rates.

Loan Amount – Up to 60-70% of property market value

Low-Interest Rates – More affordable than unsecured loans

Flexible Tenure – Long repayment period for easy EMIs

Multi-Purpose Usage – Business, education, wedding, etc.

Who Can Apply?

Business owners, professionals, salaried individuals
Property owners looking for liquidity
Individuals needing funds for large expenses

2. Loan Against Residential, Commercial, or Industrial Property

Pledge your existing property and raise capital for various financial needs with our Loan Against Property (LAP).

Funds for Business or Personal Use – No restriction on end-use
Quick Processing & Higher Loan Amounts
Competitive Interest Rates – Lower than unsecured loans
Long Repayment Tenures – Up to 15-20 years

Best For:

Business Expansion & Working Capital

Home Renovation & Personal Needs

Medical & Educational Expenses

Debt Consolidation & Refinancing

3. Lease Rental Discounting (LRD)

Own commercial property? Use your future rental cash flows to secure a loan with Lease Rental Discounting (LRD).

Loan Based on Rental Earnings – Ideal for commercial property owners
High LTV Ratio – Up to 80% of rental cash flow value
Lower Interest Rates – Compared to traditional loans
Structured Repayment – Aligned with rental inflows

Who Can Apply?

Commercial property owners with tenants

Individuals earning rental income

Builders with lease agreements

4. Overdraft (OD) / Dropline Overdraft (DOD)

A secured OD/DOD facility that gives you flexible access to funds as needed against property.

Flexible Credit Line – Borrow what you need

Pay Interest Only on Usage – No fixed EMIs

Revolving Facility – Reuse funds

Higher Limits & Lower Costs

Best For:

Business owners with fluctuating cash flow
Emergency liquidity needs
Low-cost financing for investors

5. Commercial Property Purchase Loan

Planning to buy a commercial space? Our loan helps you acquire real estate with structured financing.

Loan Up to 70-80% of Property Value
Long Tenures & Low EMIs
Fast Processing & Approval

Best Suited For:

Investors

Business Owners

Developers

Why Choose ProCap for LAP & Mortgage Loans?

High Loan Amounts – Get maximum value from your property
Flexible Repayment Terms – Customize EMIs as per cash flow
Competitive Interest Rates – Lower than personal or business loans
Quick & Hassle-Free Processing – Minimal paperwork
Expert Advisory – Tailored loan solutions for your goals

Apply for Your Mortgage Loan Today!

Need funds for business expansion, working capital, or personal financial goals? ProCap is here to help! Our experts will assist you in finding the best LAP & Mortgage Loan to suit your needs.