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Products

Loan Against Property(LAP)

Overview

Convert Your Property
Equity into Growth Capital

Convert your Property Equity into Growth Capital With GEV Focus Capital Loan Against Property, leverage your residential, commercial or industrial property for your immediate financial needs
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Smart Features for Smarter Financing

Loan Feature Cards
Loans up to ₹1 Crore at
affordable terms
flexible repayment plans with realistic repayment schedules suiting your plans
Competitive interest rates
Speedy approvals
through score evaluation
Convenient doorstep
support

Loans up to ₹1 Crore at affordable terms

Flexible repayment plans with long tenures

Competitive interest rates for every borrower

Speedy approvals through score evaluation

Convenient doorstep support for all customers

Eligibility

Salaried Individuals:

  • Salaried employee of public/private limited companies, Business organizations/Employed for a minimum of 3 years,
  • Minimum salary of Rs.3.00 lacs p.a.
  • Minimum age at the time of sanction 23 years, Maximum age: 60 years or retirement age.

Self Employed individuals/ Professionals, Sole Proprietorship firms, partnership firms, and private Limited Companies:

  • Minimum age at the time of sanction 23 years, ‘Maximum age 65 years (Maximum age at loan maturity: 75 years)
  • Minimum annual income of Rs.3 lacs

For Salaried:

(i) Latest 1 year IT return /Form 16 issued by employer

(ii) Latest 3 months salary slips

(iii) Latest 6 months bank statement showing the salary credit

For Self Employed Professionals: 

(i) Latest IT Assessment and financials for last 3 years (Audited Balance sheet , P&L a/c and schedules)

(ii) Last 12 months Bank account statement of all applicants

(iii) Latest GST Returns

(iv) Professional qualification certificate and degree certificate for professionals

(v)  Business Continuity Proof- Any one document dated 3 years old ( Bank statement/sales tax challan/ IT returns/ Shot &Est Certificate/Partnership deed

For partnership firm/Pvt Limited Companies:

(i) Latest IT Assessment  and financials for last 3 years (Audited Balance sheet , P&L a/c and schedules)

(ii) Latest 12 months Bank account statement

(iii) Latest GST Returns

(iv) Partnership deed 

(v) COI/MOA/AOA/Latest share holding pattern/Board resolution for Pvt Limited companies

Financial Documents

Ready to Take the Next Step?

Whether you’re expanding your business, unlocking your
property’s value, or seeking short-term liquidity — we’re here to
help.

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TESTIMONIALS

Hear from our clients

GEV Focus Capital made my loan process simple and stress-free. Their team was transparent, supportive, and quick to respond. With their help, I expanded my business smoothly and on time. A truly reliable financial partner!
  • R. Srinivasan
  • Chennai
GEV Focus Capital made my loan process simple and stress-free. Their team was transparent, supportive, and quick to respond. With their help, I expanded my business smoothly and on time. A truly reliable financial partner!
  • R. Srinivasan
  • Chennai
FAQ'S

Frequently Asked Questions

GEV Accordion
A Loan Against Property is a secured loan where you mortgage your residential, commercial, or industrial property as collateral to borrow funds. You retain ownership and usage of the property . Funds can be used for any purpose, such as business expansion, education, medical expenses, weddings, or debt consolidation.
LAP is secured (lower risk for lender), lower interest rates, higher amounts, and longer tenures than unsecured personal/business loans.
Indian resident
- Age: 23-65 years (75 years at loan maturity).
- Salaried, self-employed professionals, or business owners with stable income.
- Credit score: Preferably 650+.
- Clear property title, free from disputes
Residential, commercial, or industrial properties. Properties must be legally owned, marketable, and not agricultural land, gram panchayat, or unauthorized constructions
KYC: PAN, Aadhaar, passport/Voter ID.
- Income proof: Salary slips/ITR/bank statements (6-12 months).
- Property documents: Title deed, encumbrance certificate, approved plans, tax receipts.
- Photographs and application form
The applicant borrower can get a maximum loan amount of 60% of the market value of the property as assessed by the company approved valuer, subject to availability of adequate cash flow for meeting the repayment obligations within the stipulated period.
Rates typically range from 14% to 21% p.a.(floating), depending on profile, property type
Typically 5-15 years
We offer score based assessment model, quick in approval of the loan.
Often faster, 3-7 days due to streamlined processes. Involves property valuation, legal verification, and credit check.
Processing fees: 2-4% of loan amount.
- Prepayment/foreclosure: 0-4%
- Valuation/legal charges, stamp duty.
At GEV Focus Capita, we offer top-up loans on existing LAP. Balance transfer allows switching from your existing lender to GEV Focus Capital for a lower rate, generally with additional loan amount
14. How to apply for GEV Focus Capital Loan Against Property? Apply online/offline via our website or branch.(our website address: gevfocuscapial.com. You may also call at + 91 8110000056
At GEV Focus Capital we offer faster approval, flexible eligibility, higher LTV, and customized products.

Finance That Moves
You Forward

Explore lending options designed for entrepreneurs and individuals who want to grow with confidence. Discover how GEV Focus Capital provides simple, transparent, and reliable financial support.
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+91 8110000056

Email Us

support@gevfocuscapital.com

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