Unlock the potential of your property’s value with our comprehensive Loan Against Property (LAP) services. At Ram Associates, we understand that your property is an asset that can work for you. Our LAP solutions are designed to provide you with the financial flexibility to meet various needs.


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  • Property as Collateral: Use your residential or commercial property as collateral to secure a loan. This allows you to tap into the equity built in your property for various financial requirements.
  • Flexible Loan Amounts: Tailor the loan amount based on the market value of your property and your specific financial needs. Whether it’s for business expansion, education expenses, or other personal requirements, our LAP offers versatility.

Secured Loan

Secured loans are loans backed with something of value that you own. This is called collateral. Common examples of collateral include your vehicle or other valuable property such as jewelry.If you’re approved for a secured loan, the lender will hold the title or deed to the collateral or places a lien on the collateral until you pay the loan off in full.

Serves Variety of Needs

You can use the loan amount to fulfill all your needs that fall under legal demands. There are not many restrictions as to how to utilize the funds when it comes to LAP. However, most people borrow against property in situations of huge funding requirement such as for education, medical costs, purchasing new house, travel plans, setting up a business, marriage etc.

Cheaper Loan Option

Loan against property is the cheaper loan compared to unsecured loans and thus, an effective way to meet your monetary demands during the times of financial need.

Flexible Loan Tenure

Loan duration is longer in this case. Thus loan against property is a good option, with the tenure extending to around 20 years, in case, the loan amount is high.

Loan Based on EMI or Overdraft Facility

You get the benefit of paying the loan either through equated monthly installments or overdraft facility, whichever is suitable. It is the evaluation of the property along with your account history, which confirms the overdraft limit.

Comfortable EMI Routine

Mostly, LAP tenure is longer (say up to 10 to 30 years or lesser), than other loans. Thus, you have to pay smaller EMIs if you choose a longer tenure. If you do not mind a larger outstanding loan amount because of longer loan term, and are comfortable paying in installments, then LAP is the best choice as a loan type.

Borrowing against Different Property Types

You can take LAP on commercial and residential property. The property in question must be owned by you so as to get the loan sanctioned. It can be taken on a piece of land you own and even in few cases properties that are under construction. Banks will consider a lot many factors, especially property valuation, legal clearances to it, before sanctioning the loan amount.

“We went to our bank and usual sources but as usual they said no. After speaking to a friend who had used Sharon before, we contacted her for some advice at first about what to do. She gave us some great options and within a day had got us a plan of action.!”


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