Monetize Property Equity with
Loan Against Property (LAP)
Unlock substantial working capital or personal liquidity by pledging residential, commercial, or industrial properties. Enjoy rates significantly lower than unsecured debt and tenures up to 20 years.
Residential Real Estate
Unlock capital against self-occupied or rented residential homes, builder floors, duplexes, and multi-unit buildings.
Commercial & Office Spaces
Monetize commercial showrooms, retail shops, corporate office floors, and warehousing facilities at competitive interest.
Business Expansion & Debt Consolidation
Replace multiple expensive unsecured business loans or credit cards into a single affordable, long-term monthly EMI.
Why Choose LAP with CoverMantra?
Retain complete operational control, physical possession, and rental yields of your real estate while accessing high-ticket capital from regulated institutional lenders.
High Loan Quantum Up to ₹10+ Crores
Access multi-crore ticket sizes tailored for large-scale enterprise expansions or personal wealth management.
Extended Repayment Tenure Up to 20 Years
Significantly longer repayment horizons compared to unsecured business loans (typically capped at 3-5 years).
Retain 100% Property Possession & Usufruct
Continue living in or renting out your property; title deeds are securely held in escrow until repayment.
Substantially Lower Interest Rates
Secured asset backing allows partner banks to offer interest rates far lower than standard personal loans.
Priority Launch Access
Get maximum property valuation & institutional concession rates.
High-Value Institutional Capital Without Surrendering Ownership
CoverMantra operates as a digital technology bridge connecting borrowers with Scheduled Commercial Banks and RBI-regulated Housing Finance Companies. Title deeds and mortgage covenants are executed under statutory legal guidelines with zero upfront cash fees.