Loan Against Property (LAP)
Vittodaya Financial Services Private Limited
At Vittodaya Financial Services Private Limited, we offer structured and reliable lending solutions designed to meet the diverse financial needs of individuals and businesses. Our products are built on transparency, flexibility, and strong banking partnerships to ensure long-term value for our customers and partners.
Loan Against Property (LAP)
Unlock the value of your property to meet big financial goals
Loan Against Property (LAP) is a secured lending solution that allows you to unlock the value of your residential or commercial property to meet significant financial requirements. Whether for business growth, working capital, or long-term financial planning, our LAP solutions provide high-value funding with flexible repayment options.
Backed by a strong network of banks and NBFC partners, Vittodaya ensures competitive interest rates, smooth processing, and timely disbursement through a transparent and compliant process.
Eligible Properties
We offer Loan Against Property solutions against:
Residential Properties (Self-Occupied or Rented)
Commercial Properties (Offices, Shops, Buildings)
Industrial property (subject to lender policy)
Key Features
Loan Amount: Up to 60–70% of property market value
Interest Rates: Lower than personal & business loans
Tenure: Up to 15–20 years
End Use: Business, education, debt consolidation, personal needs
Ownership: You retain property ownership
Income Type: Income & Non-income (assessed basis)
Eligibility Criteria
Stable income or business cash flow
Clear property title
Good credit profile
Total changes required:
✔ Business Loan section add
✔ LAP details align with client inputs
✔ Eligibility section add
✔ Exact numbers (60–70%, 15–20 yrs) add
✔ Intro & CTA optimize
✔ Better structure & scannability
How It Works
Submit your loan application
Property and eligibility assessment
Credit evaluation and approval
Documentation and legal verification
Loan disbursement