A Loan Against Property (LAP) is a powerful financial tool that allows you to unlock the value of your property to access substantial funding for personal or business needs. At BiggPocket, we offer a comprehensive suite of financing solutions, including Dropline Overdraft (DOD), Cash Credit (CC), Overdraft (OD), and Bank Guarantee (BG). These versatile financial products enable you to leverage your property for high-value financing while retaining full ownership and usage rights. With competitive interest rates, flexible repayment options, and expert guidance, we ensure that you have the financial support needed to achieve your ambitions.
Loan Against Property
Purpose
The primary purpose of a Loan Against Property is to provide substantial capital for a wide range of personal or business objectives, offering both flexibility and affordability. Whether you’re looking to expand your business, invest in personal ventures, or consolidate existing debts, this secured loan offers a cost-effective solution.
Ideal Uses Include:
Business Expansion: Fund new ventures, infrastructure development, or market growth.
Personal Investments: Finance property purchases, higher education, or other long-term goals.
Debt Consolidation: Combine multiple debts into a single manageable repayment.
Working Capital: Maintain steady cash flow for day-to-day operations.
Bank Guarantee (BG): Secure business obligations and trade commitments.
With BiggPocket’s flexible financing options, you can access high-value funds while maintaining ownership of your property, ensuring long-term financial stability.
Eligibility
To qualify for Loan Against Property (LAP) or other secured financial solutions such as DOD, CC, OD, or BG, applicants must meet the following criteria:
Property Ownership: The applicant must own commercial, residential, or industrial property that is legally approved and free of disputes.
Income Stability: A consistent and verifiable source of income or business revenue is essential to demonstrate repayment capacity.
Credit History: A healthy credit score and a positive financial track record improve approval chances and loan terms.
Business or Personal Profile: Open to salaried individuals, self-employed professionals, and business entities with a proven financial background.
Our transparent eligibility criteria ensure that those with genuine financing needs can easily access high-value funds.
Limits
BiggPocket offers customized loan limits designed to cater to your specific funding requirements. Loan amounts are determined by evaluating the market value of your property, financial profile, and repayment capacity.
Loan-to-Value (LTV) Ratio: Financing available for up to 70%–80% of the property’s market value.
Flexible Tenure: Choose repayment periods ranging from 5 to 20 years, based on your financial preferences.
High-Value Funding: Access substantial funds without the need to sell or liquidate your property.
Structured Repayment: Flexible repayment schedules aligned with cash flow and financial goals.
Our loan limits are designed to provide maximum financial leverage, ensuring that you can meet immediate capital needs while maintaining liquidity.
How to Apply for Loan Against Property / DOD / CC / OD / BG ?
Applying for high-value financing with BiggPocket is simple, efficient, and transparent.
Check Eligibility: Assess your property’s value and your financial profile to determine loan eligibility.
Document Preparation: Gather essential documents, including property ownership papers, KYC proofs, income statements, and financial records.
Submit Application: Complete the streamlined application process through our user-friendly platform.
Approval and Evaluation: Our team evaluates the property valuation, creditworthiness, and repayment capacity.
Funds Disbursement: Once approved, funds are disbursed promptly to meet your financial requirements.
Our efficient process ensures you can access funds without delays, helping you achieve your goals seamlessly.
Why Choose BiggPocket for Loan Against Property / DOD / CC / OD / BG?
At BiggPocket, we are committed to providing comprehensive financial solutions tailored to meet diverse business and personal financial needs. Our Loan Against Property (LAP) and other secured financing options offer a unique blend of flexibility, affordability, and reliability.
Tailored Financial Solutions: Customized loans that align with your financial goals.
Competitive Interest Rates: Affordable rates designed to minimize borrowing costs.
High Loan Value: Unlock significant capital based on your property’s market value.
Quick Approvals: Streamlined processes for faster fund availability.
Transparent Policies: No hidden charges or complex terms — ensuring complete clarity.
Expert Financial Guidance: Dedicated support from financial professionals to guide you through the process.
At BiggPocket, we believe that your property is more than just an asset — it’s an opportunity to achieve your financial goals. Our Loan Against Property (LAP), DOD, CC, OD, and BG facilities provide the flexibility to fund growth, meet financial obligations, and capitalize on new ventures without compromising ownership.
Leverage your property with BiggPocket — Where Financial Potential Meets Opportunity.
