Not everyone wants to live the routine life, not everyone feels happy slogging 10 hours in an office. Some people enjoy working for themselves, they dream of creating things and products they will be remembered for. Unfortunately, setting up one's own business is no easy task - a great idea is a must, but you also need working capital to ensure your idea reaches people.
If you need funds to enter the world of entrepreneurship, a Loan Against Property can help you realize your dreams.
A Loan Against Property is a type of secured loan under which a borrower pledges their property as collateral. This property could be commercial or residential or even a piece of land that you own. The property pledged must have a clear title and should be free of disputes. The lender will assess the value of your property and sanction anywhere between 60% to 70% of the property's market value as a loan. Like in the case of any other loan, once the loan tenor begins, you will repay the loan in the form of EMIs. However, you will get ample time due to the flexible repayment tenor associated with Loans Against Property to repay the loan, making the whole process easier and completely stress-free.
The question is, when there are so many loans options available in the market, why should one opt for a loan against property for business growth. Let us look at 5 reasons why this loan tool is the ideal choice for aspiring entrepreneurs.
5 Reasons You Should Choose Loan Against Property to Start Your Own Business
1. Low Interest Rates
Loans Against Property are secured loans. They involve collateral and therefore, the risk involved for the lender in lending the borrower money is quite low as the lender can sell the property for loan recovery. Lenders, therefore, sanction these very low loans at low-interest rates starting at 9.75%* p.a. for good credit scores. In fact, Loans Against Property are the second cheapest loans after Home Loans. On the other hand, loans, such as gold loans and personal loans, draw a very high rate of interest and are, therefore, not a feasible or affordable choice for anyone starting a new business.
2. Flexible Repayment Tenor
Most unsecured loans must be repaid over a period of 5 to 7 years. Such a short tenor leads to high EMIs, leading to the loan becoming unaffordable for the borrower. Loans Against Property come with a long repayment tenor stretching up to 17 years. Thus, a borrower can even avail of a hefty sum and pay it off slowly in the form of small, affordable EMIs.
Also Read: Pick the Right Loan Against Property Tenor
3. Substantial Loan Amount
Starting your own business means you must have access to a decent amount of money. While a personal loan will give you immediate access to a small sum falling in the range of Rs.15 to Rs.25 Lakh, it is quite likely that this money won't be enough to take care of your needs. Under a Loan Against Property, lenders offer 60% to 70% of a property's value as a loan. As an example, if the property you are pledging as collateral is valued at Rs.1 Crore, you will easily get access to anywhere between Rs.60 Lakh to Rs.70 Lakh as a loan. Thus, under Loans Against Property, borrowers can get access to a much higher sum. In fact, with a lender like Bajaj Housing Finance, one can get access to a sum as high as Rs.5 Crore* or more, based on eligibility.
4. Quick Approval and Continued Usage of Property
When it comes to Loans Against Property, lenders are quite cautious about who they are lending money to. They take their time to check whether the property being pledged as collateral has a free lien and is free of any kind of dispute. Thus, when you apply for a Loans Against Property, your lender will hire a legal expert to check the property being pledged as well as assess its value. These things take time, but lenders try their best to wrap up the whole process within a week or two. In fact, there are some lenders in the market who sanction and disburse loans within 72 hours* of document submission and approval. So, if you need money urgently, you can go to a lender known for speedy approval.
Yet another reason why you should take a loan against property to take care of your business needs is that a LAP allows a borrower to unlock the value locked in a property while giving them full rights to continue using the property as they like. In other words, you can still inhabit your home or rent out the shop against which you have taken a loan.
5. It's Safe and Convenient
Lastly, you should opt for a Loan Against Property because these loans are safe and convenient. Though they involve collateral, your lender has no rights over your property if you continue to pay your EMIs on time. However, since Loans Against Property involve collateral, borrowers must borrow these loans after proper financial planning and borrow only as much as they can easily repay.
Final Words
If you are someone who dreams of starting their own venture but lacks the funds to do so, a Loan Against Property can be the answer to all your problems.
Also Read: Why Loan Against Property can be a Good Credit Option for a Startup Business?
*Terms and conditions apply.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
[N][T][T][N][T]
Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
[N][T][T][N][T]
Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
[N][T][T][N][T]
Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
[N][T][T][N][T]
Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
[N][T][T][N][T]
Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
[N][T][T][N][T]
Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
[N][T][T][N][T]
Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
[N][T][T][N][T]
Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
[N][T][T][N][T]
What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?