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Financial emergencies often come knocking, unannounced. Whether it is with regards to meeting an urgent business requirement or simply for professional scaling and use -- you can always avail large sums of money against a fully constructed freehold residential/commercial/industrial property. Not only is it one of the easiest, most secure and safe loans to avail but you can even avail such loans against plots, which qualify for a Loan Against Property by law.
If you are in dire need of large sums of money in one-go and need to use the money at the disposal, a LAP could be your solution. Whether you need to raise capital, repay debts, cater to a financial emergency or simply scale your venture, you can use a LAP as per your wishes.
Business professionals love LAP loans as there is no restriction on the end use of the large sum availed. Which may not always be the case with a Home Loan. Taking out a Loan Against Property (LAP) allows borrowers to use the money for various business purposes, such as setting up ventures or expanding their venture to meet working capital requirements.
LAP features a far lower interest rate as compared to unsecured loans.
This ensures that there is lesser monthly burden on the borrower.
In the case of a mortgage taken out on your property or home, you will not be expected to move out of your home, apartment or flat. You can continue to stay wherever you are as per your wishes while fulfilling the repayment or pre-payment requirements.
This loan is relatively easily available as lenders get a surefire guarantee for their money. Financial experts strongly suggest that a loan against property is one of the most secured loans and carries a lower interest rate compared to other options for this very reason.
IDFC FIRST Bank also provides LAP with an overdraft facility. In this way, you only use the required amount of money from your sanctioned credit limit, and pay interest only for the amount you have utilized. Maximum savings, guaranteed!
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.