Need funds but don’t want to sell your property? A Loan Against Property (LAP) could be your ideal solution. It lets you unlock the value of your residential, commercial, or industrial property to raise large funds for both personal and business needs. With flexible repayment terms of up to 20 years and financing of up to 85% of your property’s market value, LAP is a secure, cost-effective way to achieve your goals — all while retaining ownership.
Many lenders also provide Lease Rental Discounting (LRD), enabling you to borrow against future rental income from tenants. Whether you’re planning to scale your business or meet personal obligations, LAP offers attractive interest rates and a smart way to make your property work harder for you.
Enjoy lower interest rates compared to unsecured loans, reducing your overall borrowing costs
Access up to 75% of your property’s market value, providing significant funds for your needs.
Use the loan for any purpose, from business expansion to personal expenses.
Benefit from extended repayment periods, easing the burden of monthly EMIs.
Retain ownership and use of your property while securing the loan.
Potential tax deductions if the loan is used for business purposes.
Boost your credit score with timely repayment of the loan.
Enjoy lower monthly payments due to favorable interest rates and long tenure.
Get faster access to funds with streamlined loan approval.
Duvanta helps in fulfilling all types of your home loan needs.
This loan is tailored for purchasing ready-to-move-in properties, under-construction homes, or pre-owned/resale properties. It also supports buying a residential plot with the option to build a house within a set timeframe.
Perfect for those aiming to buy a plot and construct a house on it. The initial loan disbursement covers the plot purchase, with future payments aligned with the construction stages.
Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.
This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.
Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.
A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property. Interest Saver Loan: A home loan overdraft that links to the borrower’s bank account. Any extra funds deposited beyond the EMI are treated as prepayments, reducing the overall interest.
Offers lower EMIs in the initial years, with the flexibility to increase payments over time. This loan is particularly suitable for young professionals early in their careers.
Access financing from ₹20 lakh up to ₹7.5 crore — based on your property’s market value and overall eligibility.
Get up to 85% of your property’s value as a loan, allowing you to unlock maximum capital without giving up ownership.
Choose a loan term of up to 15 years, designed to help you repay at your pace with manageable EMIs.
Take advantage of competitive interest rates that make your loan affordable and reduce your overall cost of borrowing.
Apply with ease through a smooth, low-paperwork process — no long forms, no unnecessary back-and-forth.
Customize your EMI plan and benefit from extended tenures — helping you stay financially stress-free over the long run.
Home loan borrowers can enjoy significant tax savings under various sections of the Income Tax Act. Here are the key tax benefits on your home loan EMIs:
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ITR Section
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Tax Deduction
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Maximum deductible amount for taxation
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Want to offer this tool to your clients? Partner with Duvanta
Reduce FTNR; fewer reeworks
Files reach credit faster, few delays
Transparent margins and ownership
Refinance triggers, long-term value
Duvanta has completely changed how I manage my home loan clients. The automation tools save me hours every week, and my conversion rates have never been better.
We used to spend a lot of time chasing incomplete applications. With Duvanta, we now receive clean, verified files that are ready for approval — it’s made a huge difference to our turnaround times.
The entire loan process was seamless and stress-free. I got updates on WhatsApp, uploaded my documents from my phone, and didn’t have to visit the bank even once.
As someone new to the DSA business, Duvanta gave me the confidence and tools to get started quickly. Their support and platform are outstanding.
“Duvanta’s real-time tracking and automated follow-ups have helped us cut down on manual effort and reduce loan processing delays. It’s a game-changer for any lending team.
I’ve worked with many platforms, but Duvanta stands out for its simplicity and power. The AI-driven eligibility checks are incredibly accurate and fast.
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