Loan Against Property (LAP) vs Personal Loan: Kyun LAP Hai 50% Zyada Faydemand?

Bada Paisa Chahiye? Personal Loan Lene Ki Galti Mat Kijiye

Jab logon ko medical emergency, business expansion, bacho ki videsh padhai ya debt consolidation ke liye ₹15 Lakhs se ₹1 Crore tak ke fund ki zaroorat hoti hai, toh woh aksar multiple personal loans lene lagte hain.

Yeh ek financial trap hai! Kyunki personal loans par 13% se 18% ka heavy interest lagta hai aur tenure sirf 3 se 5 saal ka hota hai, jisse monthly EMI bojh ban jaati hai.

Iska sabse smart aur economical alternative hai — Loan Against Property (LAP)!

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⚖️ LAP vs Personal Loan: Seedha Muqabla

| Feature | Personal Loan | Loan Against Property (LAP) | | :--- | :--- | :--- | | Interest Rate | 12.5% - 18.0% | 8.50% - 10.25% | | Max Loan Amount | ₹20 - ₹30 Lakhs | ₹25 Lakhs se ₹5 Crore+ | | Repayment Tenure| 3 - 5 Saal | Up to 15 Saal | | Monthly EMI Burden| Bahut Zyada | Bahut Kam & Manageable | | Collateral | None | Residential / Commercial Property |

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🏠 Kaunsi Property Par LAP Mil Sakta Hai?

1. Self-Occupied Residential House / Flat: Registry aur sanctioned map clear hona chahiye.
2. Rented Residential Property: Rental income se eligibility aur badh jaati hai.
3. Commercial Shops & Office Spaces: Market value ka 50% se 65% tak loan.
4. Industrial Land & Shed: Clear industrial title aur environmental approvals ke saath.

Property aapke naam par hi rehti hai aur aap uska normal istemaal karte rehte hain — bank sirf safe mortgage create karta hai. Sanction hone par aapko saste rate par long-term capital mil jata hai.