Exux Group · Loan Against Property
Unlock the Latent Value in Your Property — Without Giving It Up
Tenure up to 15 years. Lower rates than unsecured credit. Full ownership retained.
Pledge your residential, commercial or industrial property as collateral and access substantial, long-tenure financing at significantly more competitive rates than unsecured options — while retaining full ownership and usage rights.
What it covers
Eligible properties — and where the funds can go
LAP suits high-value, long-term needs — business expansion, overseas education, medical procedures or consolidating high-cost debt into one manageable obligation.
Key Advantages
Why borrowers choose Exux Group
Prepayment Flexibility
Reduce interest burden with part-payments — minimal/no penalty on floating rates.
Lower Interest Rates
Backed by a tangible asset — significantly cheaper than unsecured credit.
Higher Loan Quantum
Larger credit line tied to the registered market value of the pledged property.
Tenure up to 15 Years
Lower monthly EMIs and reduced financial strain over the long term.
Broad End-Use Freedom
Business, education, medical, debt consolidation — any legitimate need.
Smoother Approval
Secured nature simplifies risk assessment and speeds up processing.
Plan with clarity
EMI calculator & rate benchmarks
EMI Calculator
Estimate your monthly outflow in seconds.
Monthly EMI
₹40,480
₹30,00,000
₹18,57,660
₹48,57,660
Indicative Rate Bands
Interest spreads across lender categories (% p.a.)
Who is eligible?
Indian nationals — salaried in reputed organisations, or self-employed with regular professional/business income — who own pledgeable property.
- Salaried: 21 – 60 years
- Self-employed: 21 – 65 years
- Indian nationality
- Demonstrable income source
- Clear, mortgageable property title
Salaried Applicants
- Latest salary slips & 3 months' salary bank statements
- Aadhaar Card and PAN Card
- Address and identity documents
- Property documents to be mortgaged
- Form 16 or Income Tax Return
Self-Employed Applicants
- Last 6 months' bank statements
- Voter ID, utility bill, PAN and Aadhaar
- Property documents to be pledged
- Business proof and financial statements
- Latest ITR & computation of income
Curated Lender Network
Our Banking Partners
We compare offers across India's leading public sector banks, private banks and NBFCs — so you get the best rate, eligibility-fit and disbursal speed in one place.
Convert your property's equity into working capital.
Without selling what you have built — talk to Exux Group's LAP specialists and structure a facility that fits your goals.