No physical checks

Know your property value,
Instantly!

Enter property details for instant valuation in under 15 secs - powered by 4L+ data points.

Instant valuation icon
Instant
valuation
No documentation icon
No documentation
required
85% accuracy icon
85%
accuracy
Calculator Icon

Check Your Property Value

Unlock Your Property Value To Grow Your Business

With Optimo loans, you can get upto 60% of your property value as loans. Know how much loan can you avail by providing a few more details.

Why Optimo Capital?

Interest Rate Icon
Interest rates as low as 1.5%/month
Loan Disbursal Icon
Loan disbursal in just 4 days
Calculator Icon

Check Eligibility

* I Authorize Optimo Capital to Send Notification Via SMS/RCS/Whatsapp/Email/Call
T&CThis is an in-principle sanction based on the property value and income provided. It is non-binding and does not guarantee final approval. The final loan amount and terms will depend on additional checks like your CIBIL score, technical and legal evaluations, and other internal assessments.

Frequently Asked Questions

+

What is a Loan Against Property (LAP)?

A Loan Against Property (LAP) is a secured loan where you pledge your property as collateral. It can be used for personal or business needs like expansion, education, or debt consolidation. Your property remains with you, but acts as security until the loan is repaid.

+

What are the benefits of taking a LAP?

LAP offers high loan amounts at competitive interest rates, thanks to the secured nature of the loan. It also comes with flexible tenures and can be used for multiple financial purposes—ideal for asset-rich individuals and businesses.

+

Who is eligible to apply for a LAP?

You must be an Indian citizen aged 21 or above with a stable income—either salaried, self-employed, or a business owner. A minimum of 2–3 years of income continuity and clear ownership documents for the pledged property are required.

+

What types of properties are eligible for LAP?

Residential, commercial, and industrial properties are generally eligible, as long as they have a clear legal title and are free from disputes or existing mortgages. For jointly owned properties, all co-owners must be co-applicants.

+

What can be used as collateral in a LAP?

You can pledge self-owned residential homes, apartments, commercial offices, or industrial units—provided they are free of legal or financial encumbrances and have valid ownership documents.